Articles

Estates & Trusts

• What Key Estate Planning Tools Should I Know About?

  Wills and trusts allow you to spell out how you would like your property distributed, but they also go beyond that.

• What Gifting Strategies Are Available to Me?

  Compare the advantages and disadvantages of different gifting strategies available for planned giving.

Retirement

• Why Do People Buy Annuities?

  Annuities, an insurance-based financial vehicle, can provide many benefits that retirement investors might want.

• What Are Annuity Living Benefits?

  Living benefits can help protect variable annuity owners from running out of money in retirement.

• What Is a 1035 Exchange?

  A Section 1035 exchange is a tax-free exchange of an existing annuity contract or life insurance policy for a new one.

Risk Management

• What Is Disability Income Insurance for Business Owners?

  As a business owner, a disability can create an economic hardship putting both your personal finances and business at risk.

• What Is Term Life Insurance?

  Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

• What Is Whole Life Insurance?

  Some of the pros and cons of whole life insurance.

• How Can I Insure My Future?

  To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

• Do I Need Disability Income Insurance?

  Knowing the basics of a disability income insurance policy is a good first step toward protecting your family.

• How Can I Determine the Financial Strength of My Insurance Company?

  Using a financially sound insurance company is an important part of ensuring your family’s financial security.

• What Are the Basic Types of Life Insurance?

  When selecting a life insurance policy, examine all your options, as well as the positives and negatives of each type.