Go Forward, Not Backward With Indexed Universal Life

Rick Ryan December 11, 2019 Like

In October, we passed the 90^th anniversary of “Black Tuesday,” the ruinous stock market crash of 1929.

The financial industry has come a long way since then. Human psychology has not. We still worry about market downturns. On the other hand, financial professionals remind us that it should be just as worrisome when our assets earn less than the rate of inflation.

This is how indexed universal life insurance (IUL) is proving its resolve well beyond its primary mission to provide tax-free death benefit protection.[1] It can help protect the assets in the cash value as well.

(more…)

It’s That Time of Year… Car Buying Season?

Maddy Dickinson December 6, 2019 5

The holidays most often make people think of gift-giving and spending time with family and friends, but the end of the year is also a great time to consider buying a car, new or used. In 2018, 40.2 million used vehicles were sold in the US, and I am now officially part of that percentage, having just purchased a 2018 Nissan Rogue SV myself this past Saturday. In 2019, that number is projected to grow to 41 million. ¹

(more…)

Twelve Tips to Survive “Adulting”

Maddy Dickinson November 22, 2019 90

“Adulting” is a new craze of lifestyle tips and hacks that have been splashed across all of the social media feeds. The term has spawned adulting 101 books, adulting kits and memes. And while the term tends to be mostly used by millennials who find themselves doing adult things for the first time, the term can apply to anyone who is struggling with their grown-up responsibilities.

(more…)

Collaboration: The Classroom and the Community

Sherita Harmon November 19, 2019 112

Educators change lives every day in ways large and small. Often, those changes are focused on the classroom. But not always. The very best educators work their magic everywhere. That’s what we found when we asked nominees for our LifeChanger of the Year educator program to reflect on the best approaches to their work.

(more…)

Protection Against Loss of Life… and the Market

Rick Ryan November 15, 2019 169

“If the world were perfect, it wouldn’t be.” Yogi Berra

As another exciting World Series finishes up, seems fitting to open an overview of indexed universal life insurance with a classic quote from the late New York Yankees legend. Because Yogi nailed it. Even when things are going super well, the universe may have other, potentially painful events for us.

(more…)