After an absence of about two years, the nation’s number one insurer of long term care is marketing their contracts in California again, effective Feb. 27th. They continue to have an approved Partnership contract, as well. Highlights of “Custom Care III” Return Of Premium- total premium (less claims, if any) paid when death occurs prior to age [...]
It’s difficult for young families to purchase a permanent (“perm”) policy of life insurance. Yet, they realize that buying a permanent plan can mean having a tax-deferred build-up of cash values whereas term provides insurance for a specific period of time with no cash value. What can agents and advisors do to help their clients be [...]
Transamerica is one of several high-profile carriers that have come out with a term-priced universal life insurance policy. You will find it, however, among term offerings in premium calculation software, not with universal life. So, is it really term or universal life? Technically, it’s universal life. At the end of the level, lower-premium period (same [...]
In a recent LIMRA study, more that 40% of Americans have no life insurance. Young families constitute a large number of those Americans. As a licensed insurance professional, you have the tools to provide the one financial vehicle that will provide an income-tax free lump some of money to the family in the event of death. In these [...]
67% of workers in the private sector have no long-term disability insurance. Source: Social Security Administration, Fact Sheet March 18, 2011.
