The way most people buy life insurance is a recipe for poor results. It violates two clear principles of successful decision-making commended in Proverbs 24:6. “By wise guidance you will wage war and in an abundance of counselors there is victory.” Notice two dominant adjectives: wise and abundance. In other words get a second opinion… but be sure it’s wise. Continue reading
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This is a common question from clients unsure about what they have and a common recommendation from agents seeking to earn a new commission. Yesterday I talked to a Virginia client considering dropping a Lafayette whole life policy which he … Continue reading
I see many misguided initiatives to drop cash value policies, coming from a guru’s generalization that “whole life insurance is bad”, or an agent’s effort to make a new sale. Dropping a cash value life insurance policy warrants careful consideration: calculating the real (not nominal) rate of return, comparing alternative investing strategies, assessing the current health of the insured, one’s current need for death benefit, and the taxation upon surrender.
Mike Cave has firsthand experience as a career insurance agent for 15 years from 1978 until 1993. He knows how to get good insurance value in the marketplace. Read More »