Wondering why dividend and interest crediting rates are still low after three years of rising interest rates? I explain why in this article.
life insurance
34 posts
As you think about putting your money to work in two places at one time by using The Double Play, you may find yourself wondering, “How much can I borrow from my Life Insurance policy?” The purpose of this article is to answer that question. I want to show you […]
Have you ever wondered how Life Insurance Dividends work? Or where the money comes from for Life Insurance Dividends? Or how are Dividends calculated? The goal of this article is to answer these questions. Basics Before I explain how Life Insurance Dividends work, it’s important to understand some of the […]
The simple answer is yes, you can have more than one life insurance policy. Multiple policies allow you to put more money into maximum over-funded policies as your income grows. It’s quite common and often recommended to have multiple policies, especially when using permanent cash value life insurance as part […]
Have you ever heard the expression: “life insurance is not an investment” or that “you should keep your life insurance and your investments separate“. Its hard to do due diligence into leveraging life insurance without coming across people saying this. The goal of this article is to show you that […]
In this post I’m going to be discussing the concept of “Buy Term and Invest the Difference“. If you’ve been researching permanent Life Insurance you’ve likely found people who advocate for this approach. Financial pundits like Susie Orman and Dave Ramsey often tell their listeners to avoid buying permanent life […]
Are you curious about the seemingly paradoxical concept of your life insurance cash value growing while you have an outstanding policy loan? In this post we'll unravel the mystery and shed light on why your policy's cash value can continue to earn dividends or interest crediting while you have a policy loan.
The goal of this post is to explain why you DO NOT want to use a single premium life insurance policy for investing in real estate
The purpose of this article is to discuss a common interest rate arbitrage mistake that newbies make. Both newbie policy owners (and agents!) tend to get excited when they realize that the expected growth rate on the cash value of an index universal life is higher than the policy loan rate. This can lead to some dangerous financial decisions.
The goal of this post is to show that the insurance company does not keep the cash value in a life insurance policy when you die.