Life Insurance Riders – What Are They And 12 Common Riders?
Life insurance riders are policy add-ons that personalize your base life insurance coverage. Common riders protect you in accidents, …
Professor B.T. Effer
What Is An Index Variable Annuity (IVA)?
Index variable annuities (IVA) are a hybrid of index annuities (IA) and variable annuities (VA) that allows for higher upside while…
What Is Index Variable Universal Life Insurance (IVUL)?
Index Variable Universal Life (IVUL) insurance is a hybrid UL that combines the best of index UL and variable UL into a life product that…
Whole Life Insurance – What Is It & Should You Buy It?
Whole life insurance is a simple traditional permanent life insurance product. It is made up of a death benefit, a cash value account, and…
What Types Of Life Insurance Are Available?
Life Insurance is confusing. There are hundred of products out there. We will give you an overview of the main categories so you can…
How To Fix A Bad Credit Score
If you have bad credit you can be costing yourself $1,000s in extra charges. Here are the 12 steps to fix your credit score so you can…
How Much Should You Spend On A New Car?
Your car is likely the second biggest purchase you make behind your house, and where most people blow their budgets. How much should you pay..
Time Value Of Money – Discounting Projected Cashflows
Time Value of Money (TVM) states that you would rather have $1 today than $1 in the future. This is a fundamental concept in finance and…
Human Life Value For Life Insurance
Human Life Value method of calculating life insurance coverage has you purchasing enough life coverage to replace all future income, then …
The DEEM Method – The Best Way To Calculate Your Life Insurance Needs
Do you know how much life insurance you need if you were to die? The DEEM formula(TM) is the best starting point for you to use. DEEM means..