Category Life Insurance

How much life insurance do you need? …..and Risk and Uncertainty

How much life insurance do you need? …..and Risk and Uncertainty The rule of thumb for the amount of life insurance one needs is typically given as 10x (ten times) annual gross income. In fact things are a little more complicated than that. The required life insurance is not about replacing the value of the […]

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Universal life

Universal Life Insurance: Are there tax advantages? YES; is it advantageous for your wealth? UNLIKELY! (Originally published October 27, 2008) What is a Universal Life Policy? It is a combination of term insurance and an investment vehicle which is tax-deferred to the investor or even tax-free on death to the beneficiary of the estate. Situation […]