Kevin Clowe

• 11 min read

Life insurance helps you ensure your loved ones are financially protected if you pass away. You have a few options when picking the right kind of policy — and depending on your circumstances, whole life insurance may be a good choice.Whole life...

How Specially Designed Life Insurance Can Provide Flexibility for High-Income Earners

• 11 min read

It's a common scenario for successful, high-earning professionals: Decades of disciplined saving and investing have led to substantial nest eggs in retirement plans. But now, you find yourself in a financial bind. Despite your wealth, your money is l...

Term Life Insurance Is Often Best, Financial Advisors Say But Many People Buy Another Kind

• 11 min read

There are two broad categories of life insurance, and data suggests many households aren’t buying the most cost-effective one.Americans bought 4.1 million term insurance policies in 2021, accounting for 40% of all individual policies purchased t...

Life Insurance: Protection For Loved Ones You Leave Behind

• 11 min read

The two biggest items that people don't want to deal with when it comes to money management are insurance and making a will.Some of the real comments on buying life insurance, made to me during professional finance practice years, are illuminating.“W...

Types of Clients Who Should Consider Annuities

• 11 min read

What You Need to KnowAnnuities have an obvious role in retirement planning.They can also help with diversification.In some cases, they can be part of estate planning.Too many advisors still avoid having the talk with their clients about the “‘A’ word...

The Safety Of Annuity Products

• 11 min read

When it comes to planning for a secure financial future, annuity products can play a significant role.Let’s explore the safety aspects of annuities in a simple and friendly manner. Understanding the safety features of annuities can help you make info...

Should You Buy An Annuity?

• 11 min read

Light: What are the benefits and drawbacks of annuities?Schultz: There are two basic types of annuities—fixed annuities and variable annuities. Fixed annuities pay interest and do not fluctuate in value. There is usually a guaranteed minimum int...

Indexed Universal Life Insurance

• 11 min read

Indexed universal life (IUL) insurance is a kind of insurance policy that allows policyholders to grow their cash value at a lower risk level. An IUL can be an attractive option if you are looking for a flexible plan that allows you to adjust your pr...

Life Insurance - Term, Permanent, Convertable, Which Is Best?

• 11 min read

KEY POINTSConsumers can buy two types of life insurance: term or permanent. The latter category includes whole life and universal life.Term life insurance is generally the best option for most people since it’s the most cost-effective, say financial...

85% Of People Are Aware Of Life Insurance But Only 28% Had An Active Policy

• 11 min read

Kevin Clowe

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