Does disability insurance cover everything? Unfortunately not, and you may have heard of disability insurance exclusions and limitations. Let's break down the variables that contribute to a disability...
[Editor's Note: This is a guest post from Joshua Thompson, CFP, EA, who has his own financial planning firm in Tampa, FL. In this post, he explains how to use a valuing system to compare various disa...
I publish lots of guest posts about disability insurance. There are a lot of frequently changing details in this area, so it's tough for me to keep up to date since I don't sell the policies nor have...
Doctors hate to pay taxes. Insurance agents love to sell insurance. Combine the two with a tax deduction the IRS offers to encourage employers to offer some life insurance to their employees and you e...
When you put yourself and your ideas out on the internet, it's best to have a thick skin, especially if you have chosen to reveal some personal and identifying information as I have. Although on this...
When purchasing individual disability insurance, it is important to meet with an independent agent who can sell you a policy from any of the "big six" insurance companies, Guardian (Berkshire), Standa...
It seems that a number of readers and especially whole life insurance salesmen don't seem to get how the concept of buying term and investing the rest actually works. I thought I would make a chart, u...
An insurance agent who is a "believer" in the value of index universal life insurance recently set me an illustration for what he considered to be the best Index Universal Life Insurance (IUL) policy...
[Editor's Note: I recently brought Doug Carlsen, DDS, a dentist who retired at 53 and a great skier, on as a regular paid columnist in the hopes of being able to relate a little bit better to the dent...
[Editor's Note: This is a guest post from Lawrence B. Keller, CFP®, CLU®, ChFC®, RHU®, LUTCF, a frequent contributor to the blog. This is another in his long-running series updating you on some of th...
[Editor's Note: This guest post, originally titled "A Captive Conversation," is from Tony Kenzior, CLU, ChFC, an insurance agent who frequently comments on the blog and with whom I have no financial r...
It takes 5-15 years for a typical whole life policy just to break even to where your surrender value equals your premiums paid (not counting the time value of money or inflation.) If you count inflati...
In part 1 of this series, I discussed the big issues that retirees face in investing. In part 2, I demonstrated the risks of becoming an income focused investor, and showed how to deal with several br...
I recently had a life insurance salesman show up in the comments thread of a post I published years ago about not mixing insurance and investing. He thought Indexed Universal Life Insurance (IUL) was...
[Editor's Note: This is a guest post from Jamie K. Fleischner, CLU, ChFC, LUTCF, an insurance agent (Set For Life Insurance) and a paid advertiser on this blog. She has specialized in helping physicia...