Tag Archives: UL

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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Regarding your finances…If you had it to do over, what would you do differently?

What would you tell your children, your grandchildren to do? What do you wish someone had convinced you to do? by L N Himel It’s been my experience that, generally, the young a) feel immortal b) need to experience for … Continue reading

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