Life insurance is a cornerstone of a family’s financial safety net for many people. But as life situations change, sometimes it’s no longer needed. With term insurance, canceling your policy is as easy as telling your agent you want to cancel, and then you stop paying premiums. For canceling life insurance with cash value, that…Read More
Life insurance policies are a way to provide financial security for beneficiaries (family, businesses, etc.) after the policyholder’s death. However, sometimes life happens, and a policyholder needs financial security during their lifetime, too. A partial surrender of life insurance is one way to help offset sudden financial needs. This article covers what a partial surrender…Read More
What if you could sell your term life insurance policy for cash instead of letting it expire? This process is called a life settlement. It’s a way for someone to sell a policy they no longer want or need rather than letting the policy lapse. For a comprehensive article about life settlements, read What Should…Read More
Between rocketing costs for childcare, housing, inflation, and college tuition, any little financial hack for raising a child helps. This is where an IUL for kids can give them a big financial boost once they reach adulthood. Life insurance for children has been a great option for families for a long time now. It is…Read More
From time to time, we get questions from people who don’t need their life insurance policy any longer. Some would rather see if there is a way to access the cash and use it right away. Either way, it leads to the often-asked question, “Can you sell your life insurance policy?” You can! It’s a…Read More
Today, let’s take a look at the EMA Critical Care Max 2.0 insurance. It’s a type of critical illness insurance that pays a benefit upon diagnosis of specific illnesses, namely the big, scary, and potentially expensive ones. EMA Critical Care 2.0 Max Overview EMA Critical Care 2.0 Max provides critical illness insurance. That means it…Read More
Today, we’re going to review the EMA AcciProtect AD&D insurance. It’s an accidental death and dismemberment policy. It’ll pay your beneficiaries if you die resulting from an accident. Or it’ll pay you some or all of the benefits if you lose specific limbs or senses. It’s an extra policy that you can get through EMA…Read More
Annuities are arguably the best way to create a stream of guaranteed retirement income that you cannot outlive. We help our clients use them in a comprehensive retirement plan that avoids the usual retirement risks. It’s a popular option, too, with an estimated $2.52 trillion of retirement assets held in annuities just in the United…Read More
The EMA Value 20 membership plan includes: Value 20 Life Features: Where Is Value 20 Life Available? Three Qualifying Questions As long as you’re 18 years old, you can apply all the way up through age 74. They guarantee acceptance to anyone answering “no” to the following questions: 1. Are you terminally ill? (Life expectancy…Read More
We have three Kai-Zen life insurance case studies here showing how business owners provided for their children through: This is part of our series on gifting leveraged life insurance to your children to give them tax-free income rather than leaving a later inheritance. For more details on the mechanics, read the main article on Life…Read More
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