If you participate in a defined benefit pension plan it can dramatically reduce the amount of life insurance you need. Few employers sponsor this type of pension plans these days, however they are still typical for government employees, military, school systems, utilities, and some large employers like IBM, Johnson and Johnson, UPS, Lockheed Martin, Exon, […]
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I just finished a case that showcased how smart people are tricked by the insurance industry. As I reflected on it I thought of a simple exercise that can keep others from falling into the same trap. I’d like to share the story and solution with you. This client is a surgeon– a pretty smart […]
All participants of defined-benefit pension plans, the type that at retirement pays a monthly income for life regardless of stock market fluctuations or how long you live, will have to make a life insurance decision upon retirement. It may not look like life insurance but that’s what it boils down to. You don’t pay a […]
Few employers sponsor this type of pension plan these days, however they are still typical for government employees, military, school systems, and utilities. DB plans remove classic retirement challenges like stock market volatility or living too long, but they require their own decisions, such as which survivorship option to elect or should I buy back […]
Consumers naively believe that professional designations are the most important credentials an insurance advisor can have: Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), or Certified Financial Planner (CFP). Granted, credentials mean the advisor has a reasonable head on his shoulders and has completed a disciplined educational path. I would submit to you that the salutary […]
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