Focus on the Term(s)
Leveraging Life Insurance / Opinion / Protecting Assets / Retirement Planning February 13, 2018

Focus on the Term(s)

Managing the policy conditions of a “Term” life policy would seem to be relatively straight forward. The Term is the number of years the policy is inforce with a level premium. It can be 10, 15, 20, or 30 years. So during those years as long as the premium is paid on time, or within [...] Read More
Replacement Cost Property Coverage – What is it?  What should you know?
Leveraging Life Insurance / Opinion / Protecting Assets / Retirement Planning February 6, 2018

Replacement Cost Property Coverage – What is it? What should you know?

Replacement Cost is the term used to describe the recovery basis for property that is damaged or lost, above the property deductible. There are two types of replacement cost, guaranteed (full) and then limited. Do you know which one you have? In comparison, when a claim occurs, full replacement cost typically requires the insured to [...] Read More
Lapse Traps – Keeping Life Coverage in Force!!!
Leveraging Life Insurance / Opinion / Protecting Assets / Retirement Planning February 6, 2018

Lapse Traps – Keeping Life Coverage in Force!!!

The normal thought to keeping Life Insurance coverage in force so the benefit is paid when the insured dies, is to “pay the premium” when due. But it can be much more complicated than just paying the premium. Certainly, if you have a term policy with temporary coverage, prompt payments are the simple solution. Your [...] Read More
A Better Understanding of Life Insurance Held in a Trust
Leveraging Life Insurance / Opinion / Protecting Assets / Retirement Planning January 23, 2018

A Better Understanding of Life Insurance Held in a Trust

A Better Understanding of Life Insurance Held in a Trust. Even with the new revisions to Federal Estate taxes, Trusts funded with Life insurance will continue to be a popular planning tool. Whether you focus on the sunset clause of the revisions in 2025, or the fact that most individual states still levy estate taxes, [...] Read More
Natural Disasters – Strong Reinforcement of Homeowner’s Coverage choices
Comprehensive Coverage / Home Insurance / Protecting Assets January 9, 2018

Natural Disasters – Strong Reinforcement of Homeowner’s Coverage choices

2017 was an epic year for storms; the most active on record. Wildfires, hurricanes, and even a cyclone bomb winter storm in the Northeast. The property damage throughout the year was overwhelming. But these storms were also the critical test for the coverages found in home insurance policies!! Was the coverage on the structure guaranteed [...] Read More
Update to a Happy and Safe Holiday!
Comprehensive Coverage / Home Insurance / Protecting Assets December 21, 2017

Update to a Happy and Safe Holiday!

Last week we sent out an email with the intention of creating a stress free holiday vacation by protecting your home and valuables. Today we would like to add an update on cars and how you can be proactive in preventing theft. Cars, being mobile, are more difficult to keep safe. Car thieves have unfortunately [...] Read More