Robert D. Cavanaugh, CLU
Robert D.'s latest writings
New Kid on the Block: Indexed Universal Life
Whole life insurance has been around for over 150 years. Universal life was introduced in the early 1980's. Universal Life offered the ability to increase or decrease the premium and death benefit and credited the cash values each year with a current interest rate. Variable life followed, which allowed policy owners to invest their cash values in equities. All three have their plusses and minuses. Now there... (posted by Robert D. 4 years 355 days ago.)
Whole life insurance has been around for over 150 years. Universal life was introduced in the early 1980's. Universal Life offered the ability to increase or decrease the premium and death benefit and credited the cash values each year with a current interest rate. Variable life followed, which allowed policy owners to invest their cash values in equities. All three have their plusses and minuses. Now there... (posted by Robert D. 4 years 355 days ago.)
Ten Things the Average Person Does Not Know About Annuities
Deferred annuities possess characteristics found nowhere else. They play an important part in seniors' portfolios. Seniors hold billions of dollars in deferred annuities. However, my experience is that the average person knows little about the unique advantages of deferred annuities, much less the options they have during the holding period. When you mention the term, "annuity", it... (posted by Robert D. 5 years 33 days ago.)
Deferred annuities possess characteristics found nowhere else. They play an important part in seniors' portfolios. Seniors hold billions of dollars in deferred annuities. However, my experience is that the average person knows little about the unique advantages of deferred annuities, much less the options they have during the holding period. When you mention the term, "annuity", it... (posted by Robert D. 5 years 33 days ago.)
Three Ways to Buy Long Term Care Without Paying Premiums Out of Your Pocket
Stop 100 people over 65 on the street and ask them if they will ever need to go to a nursing home and 99 will say, “No!" Folks tend to equate long term care insurance with nursing homes, but there are other aspects of long term care. Home care, assisted living, adult day care and hospice care are all forms of long term care which cost money where the person never sees the inside... (posted by Robert D. 5 years 124 days ago.)
Stop 100 people over 65 on the street and ask them if they will ever need to go to a nursing home and 99 will say, “No!" Folks tend to equate long term care insurance with nursing homes, but there are other aspects of long term care. Home care, assisted living, adult day care and hospice care are all forms of long term care which cost money where the person never sees the inside... (posted by Robert D. 5 years 124 days ago.)
Copyright 2012 IcoLogic, Inc.
Generated live.