Rick Ryan

Rick Ryan

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.

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Using an SPDA to Help Meet Your Savings Goals

Becky has a problem, but it’s a good one to have. She has carefully managed to put away a
sizable sum in her checking account that will more than help her get through a financial
emergency.

Sadly, a shocking 40% of Americans don’t have enough on‐hand cash to cover an unexpected
$400 expense, according the 2019 Federal Reserve Board Survey of Household Well‐being.
Knowing this, Becky is in good form ─ but her problem is that she’s getting next to nothing in
interest on her savings. (more…)

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Life (Insurance) Is for the Living, Too

Did you know that many people rely on life insurance while they’re living in addition to the death benefit proceeds? About 91% of life insurance owners say they bought it to “cover burial and other final expenses,” according to the 2018 LIMRA Insurance Barometer. Yet, nearly half admit that they hope to turn to their policy’s cash value for retirement income or to pay current home expenses. (more…)

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