There are some really sordid tales about how Indexed Universal Life Insurance (IUL) is compared to Participating Whole Life Insurance (PWLI) as being almost her identical sister, merely because they can develop such high cash values and both have certain guarantees. But the poignant chronicles of those who have owned, and survived owning, an IUL …

Continue reading “The Sordid Tale of Two Sisters”

Nearly 12 years ago, when first looking into participating whole life insurance as a financial asset and tool to manage my own investments, it was difficult to find any information on what participating whole life insurance was. It was even more difficult to locate any life insurance companies that still sold participating whole life insurance …

Continue reading “Five Dangers Associated with Using Cash Value Life Insurance”

We live in Henderson, NV which is located just outside of Las Vegas and is ranked #1 on the 2017 list of safest cities to raise a family, partly because of it’s routinely low crime rates. A couple weekends ago a few of us were out riding ATVs in BLM land behind our home. The …

Continue reading “Avoiding Risk”

I turned the key in the ignition switch but nothing.  What was going on?  Then it dawned on me.  I had been waiting for my son to get out of his appointment with the ignition off, but my lights were on.  Swoosh, there went all the reserves in my battery.  Just when I thought everything …

Continue reading “Need a Jump?”

It used to be said that “All Roads Lead to Rome.”  And at one time, that statement was probably true.  But that was centuries ago. Belief in such a statement today could land you in trouble. The same is true about whole life insurance.  It used to be said that whole life insurance cost more …

Continue reading “3 Things You Need to Know About Life Insurance”

Over 4 million people will retire this year.  That’s nearly 11,000 per day!  And nearly 9 out of 10 of them all have the same worry: “Will I out outlive my money?”[i]  Many accountants and financial planners run financial models to assure their clients that they will have the money they need to meet future …

Continue reading “The Number 1 Retirement Worry of Today”

Nothing is more heart breaking than to hear of someone passing who leaves unpaid bills and loved ones poorly provided for.  And literally, here in the United States, it happens every day; 6,912 people die every day leaving bills unpaid and loved ones inadequately provided for.[i] But it doesn’t have to be that way. Today …

Continue reading “Heart Breaking News”

It is reported that when Hillary Clinton diverted from her scripted speech and spoke from her heart saying, “…you could put half of Trumps supporters into what I call the basket of deplorables,” that one of her closest advisors texted a friend, “With that statement, Hillary just lost the race.”  And today we know that …

Continue reading “The “Grouping Effect””

We live in an abundant world where we have the potential to accumulate many things, many of which become detrimental rather than beneficial to our well being. This plain fact, again, was pressed upon my mind this past weekend.  We were visiting some near relatives who are consummate hoarders.  From the exquisitely expensive to the …

Continue reading “The Clutter of Life”

Life insurance does get more expensive the older you get. But just because you are a grown up doesn’t mean you can no longer benefit from owning participating whole life insurance. Unlike all other types of life insurance participating whole life insurance is the only product that provides you with a guarantee that your premiums …

Continue reading “For Grandparents And Others Who Think “Am I Too Old?””