Annuitization refers to the equitable distribution of principal and interest over a set period. Annuitization has a distinct advantage because the tax-favored disbursements offer a tax-favored benefit. The tax-favorable status is not applicable to situations in which funds are scarce. Nearly all annuity contracts allow for annuitization. The contract owner decides how the funds will be received when […]
Search Results for: invest
06
May
May
Can America save money for a rainy-day? Every day in this new economy has the potential for being a rainy one. With cutbacks, layoffs, and the mortgage crisis, we all are on the edge. It is now a fact that Americans cannot live as they used to. We must learn to spend less and save more. There are […]
06
May
May
Do you need home insurance? Yes, if you have a mortgage lender. There are many ways to save money on homeowners insurance and still protect your investment. It is a smart financial decision to insure the home as well as any valuables inside it. This is even after your mortgage has been paid off. If you don’t have insurance, losing […]
06
May
May
Insurance agency owners are quickly embracing this concept, but they face many challenges. This includes developing a fund growth strategy, making additional investments in their businesses, creating a perpetuation plan, and optimizing employee productivity. All of this while being tax-advantaged. ESOPs are a viable option for principals and agency owners who face any or all of these […]
Finance Guide
Client Enslavement Using Golden Handcuffs and Intimidation – How Insurance Companies Manipulate
06
May
May
Nearly everyone has an insurance product, as I explained in the first article of this series, Corporate Body Snatching and Customer Rustling – How Insurance and Investment Companies Steal Customers For Huge Profits. Here I’m going to focus on Property and Casualty Insurance. Also known as Auto and Homeowner’s, this is how people can be tricked […]
06
May
May
The Principles Based Valuation (PBV), has received a lot of support from the industry. Instead of using prescribed methods, assumptions and tables to calculate statutory reserves, they will be calculated based on actuarial judgement in accordance with best practice standards. Before reserves are officially released, it is crucial that such reserves be peer reviewed by another professional […]
06
May
May
Flooding is one the most devastating natural disasters of the year. This makes flood insurance essential for homeowners in the United States. Flood zones can be found in every part of the country, from beachfront condos to landlocked subdivisions. According to an environmental research letter study, nearly 41 million Americans live within flood zones. Many people living in […]
06
May
May
Term life insurance is a highly recommended type of life insurance. But how does term life insurance work. It is important to fully understand all aspects of an insurance policy before you make a decision. What is level term life insurance? Who is it best for? Is level-term life insurance worth the cost? In the event of your […]
06
May
May
You should feel secure and protected in your Cedar Rapids home. This is one of the largest purchases you will make in your life. Therefore, you should protect your home by purchasing homeowners insurance. Iowa homeowners insurance covers your home and possessions in case of disaster or damage. You don’t have to spend a lot to enjoy the […]
06
May
May
This article will focus on leads in insurance. It’s becoming more popular for insurance shoppers to use the internet to compare quotes. They seem to be here for the long haul. They are either your best friend or worst enemy. You have two options to handle the situation. Either we can shut our eyes and complain, or we can take […]