Posts Tagged “Life Insurance”
The New Risk You Need Protection From: Living Longer Than Expected
By Jorge Hiram Garcia, Your Insurance Advisor | April 21, 2012
The number-one new risk consumers need to protect themselves against is longevity, or living longer than expected. To illustrate, if you take a husband and wife who are both 65, there is a 50/50 chance that one of them will live to age 92. There is a 25 percent chance that one of them will [...]
A New Look At Permanent Cash Value Life Insurance
By Jorge Hiram Garcia, Your Insurance Advisor | April 21, 2012
It’s time for a new look at permanent cash value life insurance as part of your financial or retirement plan. Permanent cash value life insurance can come in a variety of policies such as universal life insurance and whole life insurance. These types of permanent cash value life insurance policies provide individuals and families with [...]
Useful Look at the Benefits of Whole Life Insurance – Link
By Jorge Hiram Garcia, Your Insurance Advisor | April 6, 2012
A useful look at the benefits offered by whole life insurance policy was published on my insurance agency web site. Read it here: What type of Life Insurance Policy Should I Buy – Term, Universal or Whole Life Insurance?
Life Insurance: A Legacy of Love and Caring
By Jorge Hiram Garcia, Your Insurance Advisor | March 7, 2012
Most of us want to make sure that we leave some type of legacy for our children and grandchildren, and other family members that we love. Unfortunately, the current economy makes this worthy goal a hard one to attain. Many seniors wishing to leave some type of legacy for their loved ones, nevertheless want to [...]
Congressional Update: Life Insurance and Estate & Gift Tax Proposals
By Jorge Hiram Garcia, Your Insurance Advisor | February 18, 2012
This week President Obama’s administration released its Fiscal Year 2013 budget and for the third consecutive year, the proposal contains tax and reporting provisions that would impact life insurers, owners of COLI policies, and estate and gift planning. Regarding the latter, the budget proposes to permanently set a top rate of 45% with estate tax [...]
Annuities: How Does A Single Premium Immediate Annuity Work?
By Jorge Hiram Garcia, Your Insurance Advisor | June 3, 2010
When you buy an annuity, you pay a certain amount of money called an insurance premium. This premium can be paid all at once in the beginning (called a single premium annuity), or it can be paid in installments (a flexible premium annuity). When an insurance company receives the premium from you, the premium is gathered and collected, or pooled, with the premium paid by all of the other people that buy annuities from the insurance company.
What’s More Important Than Life Insurance?
By Jorge Hiram Garcia, Your Insurance Advisor | April 16, 2010
With the advances in healthcare and living conditions, more Americans are living longer, healthier and exciting lives. These new lifestyles create additional needs related to how to care for themselves as they live longer and lead more active lives at advanced ages. In the past, the most men and women had to worry about was [...]
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