Rick is a writer within the marketing department at National Life Group. A former journalist, he now focuses his craft on financial and investment topics such as market insights and industry trends.
Rick is a Registered Representative of Equity Services, Inc., Member FINRA/SIPC, One National Life Drive, Montpelier, VT 05604, 800-344-7437, a Broker/Dealer affiliate of National Life Insurance Company.
TC107542(0419)P
Life insurance with “living benefits” can help in tough times.
Ironically, this overview of life insurance benefits designed to improve the quality of your life may take on a slight morbid tone in places. But bear me out.
This is about the ins and outs of living benefits,1 which are features available on many permanent life insurance products that give you access to death benefits or cash value while you’re still alive.
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In October, we passed the 90th 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.
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“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.
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When I was a kid, the Labor Day weekend meant two things to me: a new school year and (more importantly) a new TV season. Today, new shows are just as likely to launch during springtime as the fall. And more school districts now call students back to class weeks before the official end-of-summer holiday.
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A half century ago this month, 450,000 young fun-seeking 20-somethings gathered on the grassy hills of a Bethel, NY, dairy farm to share “3 Days of Peace & Music.” No one imagined it could happen. But it did. Now into their 70s, much of the Woodstock generation shares a less celebratory cause along the theme of “Many Years of Retirement & Healthcare Costs.” (more…)
