tag:blogger.com,1999:blog-5643728476600061672011-07-30T11:40:26.742-07:00Life Insurance is about three things: Promises, Protection & GuaranteesRCEhttp://www.blogger.com/profile/01009521456343063559noreply@blogger.comBlogger141100tag:blogger.com,1999:blog-564372847660006167.post-59763646522819995722010-03-17T19:57:00.000-07:002010-03-17T19:57:07.464-07:00

A normal level term insurance policy is fairly simple. You agree to pay a premium in exchange for an agreement that the insurance company will pay your family a death benefit in the event of your death. The premium that you pay is guaranteed to remain level for a period of time, often 10, 15, 20 or 30 years. After this level premium period is up, you have the choice of terminating the policy or

RCEhttp://www.blogger.com/profile/01009521456343063559noreply@blogger.com0tag:blogger.com,1999:blog-564372847660006167.post-18479280549046465532010-03-05T09:27:00.000-08:002010-03-05T09:30:29.016-08:00

I'm going to make a long weekend of it and take a few days to recharge my batteries, but in the meantime here's a thought: It is never too soon--or too late--to start planning for your future. Insurance products like life insurance, disability income insurance and annuities can play a key role in securing your (and your family's) financial plans. For a free copy of any of our Life Guides, visit

RCEhttp://www.blogger.com/profile/01009521456343063559noreply@blogger.com0tag:blogger.com,1999:blog-564372847660006167.post-33451418356478596612010-02-21T15:09:00.000-08:002010-02-21T15:25:21.636-08:00

The things I am about to describe really happened last week. I have changed the names and a few of the unimportant details to protect the privacy of everyone involved. So here is what happened... One of my agents was following up on a request that someone had made on our website for term life insurance rates. As part of the follow up process, we routinely verify the information that was supplied

RCEhttp://www.blogger.com/profile/01009521456343063559noreply@blogger.com0tag:blogger.com,1999:blog-564372847660006167.post-78599677907517024022010-02-06T17:17:00.001-08:002010-02-06T17:17:12.463-08:00

You and I have purposes in this world, which when are analyzed, are quite similar. It is your job to provide food, clothing, shelter, schooling, medicine and many other things for your loved ones. You do this while I lie packed away. I must have faith and trust in you. Out of your earnings will come the cost of my upkeep. At times I may appear to be somewhat worthless to you, but some day (and

RCEhttp://www.blogger.com/profile/01009521456343063559noreply@blogger.com0tag:blogger.com,1999:blog-564372847660006167.post-74424990678502007482010-02-05T14:50:00.000-08:002010-02-05T14:51:23.256-08:00

Mariam-Webster defines the word "if" as follows:1 a : in the event that b : allowing that c : on the assumption that d : on condition that2 : whether3 : used as a function word to introduce an exclamation expressing a wish4 : even though : although perhaps5 : and perhaps not even —often used with not When you are talking about life insurance, the only "if" should fall between the letters "l" and

RCEhttp://www.blogger.com/profile/01009521456343063559noreply@blogger.com0tag:blogger.com,1999:blog-564372847660006167.post-34679177486255059472010-02-02T18:16:00.000-08:002010-02-02T18:20:52.063-08:00

A permanent insurance policy like whole life or universal life has two features that make it the perfect collateral for a loan: death benefit and cash surrender value. These elements, like a house and the equity that an owner has in it, can be used to secure loans that can provide cash for emergencies, business purposes, real estate transactions, personal spending, etc. Unlike the equity in a

RCEhttp://www.blogger.com/profile/01009521456343063559noreply@blogger.com0tag:blogger.com,1999:blog-564372847660006167.post-76291699472892814912010-01-31T18:29:00.000-08:002010-01-31T18:31:49.079-08:00

What is the best way to go about buying a life insurance policy? What kind should I buy? What things need to be considered? Should I contact an agent, or should I just buy it online? These are just a few of the questions that you might be asking yourself if you think that you might need life insurance. The process of purchasing a life insurance policy is actually quite simple. In fact, there are

RCEhttp://www.blogger.com/profile/01009521456343063559noreply@blogger.com0tag:blogger.com,1999:blog-564372847660006167.post-82175225612730248942010-01-29T21:34:00.000-08:002010-01-29T21:34:45.427-08:00

Yes, much like a house, a life insurance policy is a property that increases in value each year. In fact, a good participating whole life (WL) policy will increase in value at a rate that is very similar to that of real estate. Of course, this appreciation occurs without the wild fluctuations that we have experienced in the real estate market in recent years. If you think of the premium payments

RCEhttp://www.blogger.com/profile/01009521456343063559noreply@blogger.com0tag:blogger.com,1999:blog-564372847660006167.post-24918177376427778762009-12-21T09:39:00.000-08:002009-12-21T09:39:19.596-08:00

I read this on a message board yesterday and thought it was interesting: Whole Life is a product that: 1) Uses a dollar to do two jobs 2) Is safe, secure and grows income tax deferred 3) Accumulates cash for emergencies or opportunities 4) Can provide a retirement income that increases as you get older 5) Is not restricted by your earnings and is accessible before 59 ½ without penalty 6)

RCEhttp://www.blogger.com/profile/01009521456343063559noreply@blogger.com0tag:blogger.com,1999:blog-564372847660006167.post-10231768324027046152009-12-16T16:34:00.000-08:002009-12-16T16:35:10.195-08:00

Yes, this post is going to talk about cash value (permanent) life insurance. And no, I am not going to focus on the debate that rages between the "Buy Term and Invest the Difference (BTID)" crowd and the "Cash Value Insurance is the Swiss Army Knife of Financial Products" folks. (It's a ridiculous comparison anyway.) What I am going to focus on is the power that the right life insurance policy

RCEhttp://www.blogger.com/profile/01009521456343063559noreply@blogger.com0tag:blogger.com,1999:blog-564372847660006167.post-18643747133814244512009-12-15T17:01:00.000-08:002009-12-15T17:05:09.216-08:00

When I was first learning the life insurance business, one of the instructors of my pre-licensing course mentioned something to the effect of "life insurance creates an immediate estate". I didn't think much of it at the time, but now, after having been in the business for several years, I have a clear understanding of what he meant and it is my hope that I can convey the power of his statement

RCEhttp://www.blogger.com/profile/01009521456343063559noreply@blogger.com0tag:blogger.com,1999:blog-564372847660006167.post-44195552380465789152009-12-14T18:04:00.000-08:002009-12-14T18:04:52.593-08:00

A promise to pay. This is what it all boils down to. Because in the end, the fulfillment of this promise is what you are counting on to provide for your family. So it makes sense to choose your insurance company wisely. I suggest that you start by selecting from only "highly-rated" insurance companies. For me, this means companies that are rated "A-" or better (Excellent or Superior) by A.M. Best

RCEhttp://www.blogger.com/profile/01009521456343063559noreply@blogger.com0tag:blogger.com,1999:blog-564372847660006167.post-66782264965906654252009-12-13T10:59:00.000-08:002009-12-13T11:01:41.985-08:00

This is how it all starts. You want to protect your family. You know that the best way to provide for them in the event of your death would be an immediate cash payment. And the larger the better. So you make the smart decision and contract with an insurance company to exchange a few pennies of premium each month for a piece of paper with some ink on it. But it's the words written with that ink

RCEhttp://www.blogger.com/profile/01009521456343063559noreply@blogger.com0tag:blogger.com,1999:blog-564372847660006167.post-87795587332551952522009-12-12T16:28:00.001-08:002009-12-13T11:03:59.413-08:00

Here is a perfect description of what a life insurance policy is and what it does. I am a piece of paper, a drop of ink and a few pennies of premium. I am a promise to pay. I help people see visions, dream dreams, and achieve economic immortality. I am savings. I am property that increases in value from year to year. I lend money when you need it most, with no questions asked. I pay off

RCEhttp://www.blogger.com/profile/01009521456343063559noreply@blogger.com0