FILE - This is a Aug. 27, 1941  file photo of British Prime Minister Winston Churchill as he gives his famous " V for Victory Salute" . Churchill Britain's famous World War II prime minister died fifty years ago on January 24 1965. (AP Photo, File)

Churchill said……

Winston Churchill said, “However beautiful the strategy, you should occasionally look at the results.” If your strategy is to buy term that is convertible when you are in your sixties; the game has changed. The insurance industry is changing its conversion options at lightning speed. The new strategy should be to own part of your[…]


Permanent Insurance vs. term insurance

  Permanent Insurance vs. Term Insurance  Permanent insurance provides death benefit protection for the lifetime of the insured.  Flexible premium payments and adjustable death benefit protection is available in some types of policies.  Other advantages include tax-deferred growth on policy values as well as access to policy values through policy loans and withdrawals.  Term insurance[…]

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Triple Play

There are new innovative products …………  combining life insurance with a premium refund and a rider for long term care.  We all need to rethink our planning for retirement because of the changes in health care and the likelihood of increased taxes.  Term insurance has huge advantages for meeting the  needs of a new family[…]