I am an independent life insurance agent. Unlike company agent, I am not royal to any insurance companies and have no quota to fulfill. I am specialized in designing policies for cash accumulation, retirement and education funding purposes.
Do you want to Read More
One common argument against cash value life insurance is that policy return is negative in the first few years. It is true that fees and commission are front loaded. For cash accumulation purpose, a blended cash value policy from a Read more »
Cash or Loan decision is a common everyday situation. Should someone pay cash for a TV that costs $1000, or loan which charges $50 interest for a year? It really comes down to how people value their cash. If you think paying cash is Read more »
In the popular television game show, Who Wants To Be A Millionaire, contestant must answer all 14 questions correctly to become a Millionaire. The show has fascinated many Americans for more than 16 years. Read more »
Permanent Life Insurance is a conservative asset class and should be an integral part of financial portfolios of middle income families. Properly structured high cash value permanent life insurance offers many benefits to policy owners and their family.
I was often asked: what is the best type of permanent life insurance, Whole Life, VUL, IUL, or GUL? Which insurance company has the best product? Nowadays people are so tuned in to comparison shopping for best product with lowest cost. These are Read more »
Pure life insurances, such as Term Life or Guarantee Universal Life, protect against lost of life either temporary or permanently, carry no cash value. These are the basic form of life insurance. They cost money to gain protection. They Read more »
John has finally paid up the property after 10 years saving and 30 years’ upkeep, while Murphy made 10 premium payments, and has waited for 30 years.
John’s rental income offsets mortgage payment, tax, insurance and Read more »
While I drive my 10-year-old son between activities, I often have old school FM Radio on. From time to time, my son would say to me, “Dad, this is my favorite song”. Lately, it has been consistently “7 Years” by Lukas Graham. If you haven’t Read more »
Two friends, John and Murphy, are healthy 30-years old. They decide to come up a plan for retirement. John wants to buy a real estate investment property, Murphy chooses to start a cash accumulating PLI.
John first must save up Read more »