Retirement Sequence Risk: 12 Smart Ways to Protect Income Near Retirement Retirement sequence risk describes the danger that poor investment returns early in retirement can cause more lasting damage when a retiree is also withdrawing money. A market decline at age 40 can be uncomfortable, but continued contributions and decades…
Life Insurance for Blended Families: 15 Smart Ways to Protect Everyone Fairly
Life Insurance for Blended Families: 15 Smart Ways to Protect Everyone Fairly Life insurance for blended families can help spouses coordinate protection for children, stepchildren, former spouses and other people who may depend on them. The challenge is rarely a lack of caring. It is that relationships, legal responsibilities, household…
Term Life Insurance Conversion: 12 Smart Steps Before Your Deadline Expires
Term Life Insurance Conversion: 12 Smart Steps Before Your Deadline Expires Term life insurance conversion may allow an eligible term policy to be exchanged for permanent life insurance without new evidence of insurability. That feature can become valuable when health has changed, long-term protection is still needed or the original…
Life Insurance Awareness Month: 12 Smart, Essential Steps to Protect Your Family
Life Insurance Awareness Month: 12 Smart, Essential Steps to Protect Your Family Life Insurance Awareness Month arrives each September as a useful reminder to examine the protection behind a family’s financial plans. The purpose is not to create fear or pressure anyone into buying a policy. It is to ask…
Life Insurance for Stay-at-Home Parents: 15 Smart, Essential Ways to Protect Your Family
Life Insurance for Stay-at-Home Parents: 15 Smart, Essential Ways to Protect Your Family Life insurance for stay-at-home parents can protect a family from the financial consequences of losing the person who provides much of its daily care, organization and household support. A parent may not receive a traditional paycheck, but…
Life Insurance Policy Review: 15 Questions to Ask This September
A life insurance policy review can reveal outdated beneficiaries, coverage gaps, changing premiums, and policies that no longer match your family’s needs. Use these 15 practical questions to evaluate your current coverage and prepare for a personalized review.
401k Rollover Options: Can You Move Your Retirement Plan Into an IUL or Annuity?
401k Rollover: Should You Choose an IUL or Annuity? 401k rollover decisions are important when changing jobs or preparing for retirement. Depending on your former employer’s plan, you may be able to leave your savings where they are, move the money to a new employer’s plan, complete a direct rollover…
IUL Retirement Planning: Reducing Investment Risk Near Retirement
IUL Retirement Planning: Reducing Investment Risk Near Retirement IUL retirement planning may provide an additional way to manage financial risk as retirement approaches. When we are young, we generally have more time to recover from market downturns. A decline can still be unsettling, but an investor with several decades before…