Professor B.T. Effer

DIME Formula stands for Debt, Income, Mortgage, and Education. It is a method for calculating your life insurance coverage needs, and you…

Self-Insurance is using your assets to cover any financial needs of your dependents. Self-insuring will save you money by avoiding…

Life Insurance is vital to your personal financial plan. But how much coverage do you need? Learn the 5 methods of calculating life…

Decreasing term life insurance is a cheaper alternative to regular term insurance and it may better align with your coverage needs, but…

Term insurance is simple and low cost, but it only covers you for a period of time. What options do you have available to extend coverage …

A term life insurance ladder optimizes your insurance coverage with your needs while saving you money over the life of the ladder. Find out…

Buy Term & Invest the Difference (BTID) is a strategy that tries to optimize life insurance coverage with growth in your wealth by…

Post-level annual renewable term insurance is one of the little known features on term policies that allow you to extend your coverage and…

Term conversion riders are a little known secret that allow you to convert your term life insurance into permanent life insurance which…