Life and Health

Estate planning generally consists of a plan to distribute accumulated wealth upon death, using life insurance to protect survivors from financial distress, and minimizing taxes and expenses associated with this…

A business owner may be surprised to learn that a small loss to business property ends up with a much larger loss of income. That problem may be solved with…

Current working partners have to find a way and method of buying out a deceased or permanently disabled member. A well prepared Buy-Sell agreement prepares for this possibility. Once again,…

ATMs revolutionized banking more than 25 years ago and today online banking is now commonplace. And, now a new banking product, remote deposit, is being utilized to greatly improve business efficiencies,…

Cash-value life insurance has a substantial savings or investment element that can’t be ignored entirely if the tax laws are to operate fairly. So life insurance is subject to special…

Students of insurance are sometimes dismayed to discover that there are no fewer than four basic kinds of whole life insurance: traditional (participating and non-participating), universal, variable, and variable universal,…

Any general discussion of life insurance should begin with the observation that the life insurance industry in the United States has been transformed over the past 30 years or so.…

Term insurance policies have always been a popular product. The premiums involved seem to make people feel that it is the ideal solution to their insurance needs. The belief is…

Viatical settlements, or accelerated death benefits, were controversial products developed in the 1980s following publicity for the AIDS epidemic. There were touted as a means for terminally ill patients to…

Many insurance agencies have found it easy to increase revenue and services offered by adding life and health insurance to the agency portfolio. Numerous prospects already in the agency client…