1. Now’s the time to apply: “Life Insurers will start turning business away” but there is a caveat!

    NEVER THOUGHT I'D SAY IT! Life Insurance Companies are beginning to turn business away. COVID-19 and the resulting crash in interest rate are causing Life Insurers to rethink their projections.  Life Insurers pool premiums which increases capital reserves and hence helps mitigate risk.  That is th…Read More

  2. Need Income? The Market Might Not Be Your Best Bet!…. Understanding Sequence of Returns

    I hear a lot of clients talk about how well the stock market has been doing since the crash of 2008.  "Oh, yeah! Ive made all the money back and then some!"... the same ole story.  But let me ask you this:  What if you were having to take income during those down years?  What would that have loo…Read More

  3. Are you looking for a safe CD Alternative with MORE interest?!?!?!

    Hot New Multi-Year Guarantee Annuities are a great CD alternative with a guaranteed interest rate of 2.9% for 2 years, or 3.85% for 5 years. I would like to point out that a 1-year CD is paying a mere 2.00% and a 3-year CD is paying is paying 2.55% (Source: www.bankrate.com).  Now I want to talk ab…Read More

  4. And in Health News…..10 Amazing Health Benefits to Eating Hot Peppers [Scientifically Proven]

    Eat Hot Peppers... The Hotter, The Better!! The documented health benefits from hot peppers continues to grow at a break-neck speed, similar to the increasing popularity of consuming hot foods in various forms. The heat and health benefits comes from a chemical called capsaicin. Historically, spicy…Read More

  5. Early Withdrawal Penalties for Traditional and Roth IRAs

    Most professionals would all be on the same page that it is rarely a good idea to take an early withdrawal from a traditional or Roth IRA. Mainly due to the substantial cost an early withdraw can cost (not to mention losing out on years of potential earnings). Early distributions from IRAs (that is,…Read More

  6. Collateral Assignment of Life Insurance to Get A LOAN!!

    A collateral assignment of life insurance is a conditional assignment appointing a lender as the primary beneficiary of a death benefit to use as collateral for a loan. If the borrower is unable to pay, the lender can cash in the life insurance policy and recover what is owed. Businesses readily a…Read More

  7. Premium Financing for Life Insurance for the Wealthy

    Wealthy clients looking to use life insurance in their estate plans may find that funding their policies with a loan makes sense, especially as interest rates are still relatively low. The goal is to exploit low interest rates to get a cheap loan, which funds premium payments for a cash-value life i…Read More

  8. When are Annuities a Good Investment?

    Annuities are a good investment if you are buying them for the right reasons. You can buy annuities for safety, long-term growth, or income. For example, a fixed multi-year guarantee annuity might make an attractive alternative to a CD; variable annuity might be bought for long-term growth, tax-defe…Read More