Tag Archives: IUL

The Social Security Dilemma: Take it Now, Or Wait? – Part 2

Should we take our Social Security benefits at “Full Retirement Age” (FRA), or wait?  The Social Security Administration (SSA) will add 8% every year from your FRA to age 70. We present an option, for those who qualify, to enhance … Continue reading

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Life Insurance with Long-Term Care for an 18 year-old?

Yes, a college freshman has just applied for a life insurance policy with a Long-Term Care rider, a second rider to ensure continued premium payments in the case of total disability (thereby ensuring cash growth) and another rider to provide … Continue reading

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What’s Wrong With Universal Life Insurance?

What’s Wrong With Universal Life Insurance? Universal Life (UL), Variable UL (VUL), Indexed UL (IUL), Equity Indexed UL (EIUL) First, key points: UL, VUL, IUL, EIUL are all risk-inherent and not suitable as a retirement supplement or LTC vehicle if … Continue reading

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