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When it comes to life insurance, you have two basic choices: Some form of cash value life insurance (including universal life) and term life insurance.
Cash value, or whole life, as a “bundled” policy, requires you to buy both your death benefit and a cash value feature.
For the cash savings, the money is controlled by the insurance company and reverts to the life insurance company, not the estate of policy holder. It's in the contract. A little "s" is inserted between the CV in the contract = cash surrender value.
It's your money...and while you may borrow it--at up to 8% interest--why not claim it yourself. But never cancel any policy until you have a new one in place.
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See you next time.
Most of us have been told to "buy term and invest the difference", right?
WRONG! On today's show No BS Money Guy Todd Strobel and Best Selling Financial Author Kim Butler are going to share:
The best type of life insurance to buy
How to properly fund a life insurance policy to
Reduce agent commissions
Increase cash value
Boost your ROI
If time permits we will also duscuss ways to Optimize the policies you already own! This is great information everyone should know but unfortunately most agents do not know or will not share with their clients.
For more information check out:
Busting the Retirment Lies
Live Your Life Insurance
Speak Life Radio ~ "Parenthood" Adding Value Is Easy!
Abundant Love & Blessings beautiful family welcome back to Speak Life Radio. We have another amazing show lined up for you tonight with our special guest Sindy "The Pathfinder" Eugene. Sindy is the Founder and President of Global Youth Empowerment Movement, Inc. And My V.O.I.C.E Matters International. She is committed to helping parents and children around the world as she dedicates her life to motivate and educate them on how to rewrite their life's script to succeed through partnering with each other. She is known as "The Student Pathfinder" and has helpe students from different walks of life get on the right path to academic and social success.
She has worked with traditional and nontraditional students, military personnel, immigrant students, first - time college students, middle and high school students, high school drop outs, and bussiness professionals seeking to further their education.
As a result of her proven results and passion for students success, colleges, universities, churches, private schools, for profit and nonprofit organizations seek her expertise on College Readiness, College Transition and Leadership Development workshops/seminars for their students, clubs and/or organizations in addition to serving as keynote speaker. This will be a very informative and educational show, PLEASE JOIN US!!!
Many people think they have just the right life insurance. Many say, I'm good when asked what they have and why. The reason is because they can't explain what they have, They just know they have some. This is a very bad situation. An old policy is probably not cost effective. A new policy may be the wrong product for your age or budget. How long will you have to pay preiums? What is the dividend arrangement. How much interest do you earn? All really serious questions. So, saying I'm good means, I really don't know what I have and why.
Join Dan Whittaker and his co host, Jim Eaton, CEO of Kingdom Partner Solutions, as they discuss the 18 value drivers of a business.
Are you one of the many Americans saying ... I don't need insurance; I have insurance on the job; I'm not leaving money for my spouse to spend with someone else; I'm gone what should I care. Studies show that out of people earning $50,000.00 to $250,000.00 a year 52 million Americans do not have life insurance. That does not include individuals below the $50,000.00 income range. (LIMRA). Join the conversation and listen in on Aaron's thoughts about life insurance. Is it a love or a need item.? For an initial complimentary consultation call our office at 1-877-351-2508. Follow us on twitter @Awsmith44. Our website www.awsmithfinancial.com.
Today’s guest is Paul Carroll, CEO and Editor in Chief of Insurance Thought Leadership.
Paul is the co-author of The New Killer Apps: How Large Companies Can Out-Innovate Start-Ups and Billion Dollar Lessons: What You Can Learn From the Most Inexcusable Business Failures of the Last 25 Years and the author of Big Blues: The Unmaking of IBM, a major best-seller published in 1993. Paul spent 17 years at the Wall Street Journal as an editor and reporter. The paper nominated him twice for Pulitzer Prizes. In 1996, he founded Context, a thought-leadership magazine on the strategic importance of information technology that was a finalist for the National Magazine Award for General Excellence. He is a co-founder of the Devil’s Advocate Group consulting firm.
Joyce and Aaron interview Andria Bovey with My LTC Expert on a new resource for seniors and their families to pay for the costs of home care. Converting an existing life insurance policy turns itself into an asset that helps cover the cost of private in home care. Tune in today to bring peace of mind to your family and loved ones!
Joyce Joneschiet (Jonah-shite) Principal interior designer of Encore Living Interiors and Publisher of Encore Life Magazine hosts Encore Living Radio with her co-host Aaron D. Murphy, a licensed Architect, President of ADM Architecture and Managing Editor of EmpoweringTheMatureMind.com.
Today we’re talking about tomorrow. The world as it is and as it’s going to be - the world of opportunity for those prepared – the change architects. Our guest is Michael Jans. He is the founder and CEO of Agency Revolution. He’s been defined in the industry press as an “Insurance Marketing Maven” and a “marketing genius.” Clients have described him as a “Millionaire Maker.” His history includes serving as the Executive VP for the Professional Insurance Agents in Oregon, Washington, Idaho, Montana, and Alaska - the fastest growing affiliate of the Certified Insurance Counselors' (CIC) program - for seven years.
Ernest and Renate will discuss the 10 things you need to know before buying life insurance. There are many pitfalls that you can experience when you don't know what type of life insurance you really need. There are my types out there and you need one that is tailored to your situation. Many times when you sit down with an insurance agent the main thing on their mind is commission. If you are not doing a needs analysis first, you may not get what you really need. Don't take that chance. Lisen in today at 3:00 pm and hear the 10 things that you need to know before it's too late.
Log on to http://www.blogtalkradio.com/a-americanlegacy or call in and listen at 646-595-3900
Financial empowerment is imperative in order to gain power and control of today and tomorrow. Through education and experience we can attain an understanding of economic flow in order to position ourselves to compete. Cash is King and Credit is Queen ....... which is why money can't do for you what credit can.
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