Sometimes I think people forget (or don’t care about) what the main purpose of life insurance is. This post is going to ignore whether you should buy term or whole life, or whether you can create your own pension using whole life insurance, or whether you should buy life insurance on your young
Continue reading Remember the Main Purpose of Life Insurance
Many business owners, especially smaller businesses owners rely heavily on one or two key employees; but what happens if that key person dies? How long will it take to get that business up back to its previously efficient way? How much will it cost to retrain someone? Those are obviously questions that only
Continue reading What is Keyman Insurance? Is Your Business Protected From Death?

Sometimes, you need liquid cash, but not sure where to “find” it, and don’t worry I haven’t lost my mind I would never recommend ridiculous 20%+ cash advances or the usually evil payday loans. The following ways should only be used when you need a good amount of cash, I would say the starting point would
Continue reading Traditional and Non-Traditional Ways to Access Large Amounts of Liquid Cash
As we get into the holiday season people start to feel charitably inclined, and yes you could just drop some coins with the unenthusiastic guy with a bell, give a $20 spot at church, or write a check…but what if there was a bigger bang for your proverbial buck? Over the next couple weeks
Continue reading Advanced Charitable Giving using Life Insurance
I received an interesting e-mail in response ot my post about buying life insurance on a child. In that post, my basic contention was that if someone isn’t able to work because of a loss of child, why wouldn’t they insure the child’s life so that one can grieve without the worry of working? The
Continue reading Buying Life Insurance on a Child Part Two
Warning this post might be considered too morbid for some people.
I had an interesting conversation the other week with one of the financial planners in my office that got me thinking. There was a client who was in the midst of buying life insurance on a young child (about 5 years old), I
Continue reading Buying Life Insurance on a Child’s Life
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