All You Need To Know About Life Insurance Part 1

If you’re looking to protect your family’s future financial needs, you should consider working with an insurance company to create a life insurance policy. While there are a variety of life insurance options to choose from, it’s important to work with a life insurance expert to ensure all of your needs are met. At Ivy.. More


IUL, Fixed Income, CD’s, Annuites: Which is Best to Own in a Down Market

IUL, Fixed Income, CD’s, Annuities In a declining market, which is best – IULs vs. Fixed rate financial products (i.e. CDs, annuities, bonds) The stock market is well known for its level of volatility, which is the up and down movement of stock prices. Measuring volatility is important because it provides you as an investor.. More


Why are IULs Increasingly Popular?

Indexed Universal Life insurance (IUL) can be viewed as the best of both worlds as a permanent life insurance product. IULs are a fixed product offered by an insurance company that provides a death benefit, living benefits through cash value build-up and a way to grow cash faster than more traditional universal life (UL) products… More


Why Keeping $$ in a 401k After You Have Left Your Job is Not Necessarily (DCP)

Here is a situation: You worked for a company for about 10 years when you decided to start your own business. The company you worked for offered a 401(k), a defined contribution plan (DCP), with a generous 6% match of the dollars you invest. Since those dollars are deducted from your paycheck on a pre-tax.. More


The Properly Designed IUL and the Benefits it Provides

According to data provided by LIMRA, IULs continue to grow in their popularity as a permanent life insurance plan of choice. IUL sales in 2015 reached record levels. For the year, $1.86 billion in new premium dollars went toward the purchase of IULs. This amount represented an increase of 4.38% over the previous record of.. More


What to Do After You have been Turned Down for a Life Policy

Life insurance addresses the risk of premature death. Specifically, life insurance provides a financial amount to your loved ones in the form of a death benefit in order to help protect and maintain their standard of living. The risk of premature death is dependent on many different factors, which must be accounted for before an.. More


ITT – Student loans when a for-profit college closes its doors

The internet has enabled the tremendous growth in the number of for-profit higher education institutions across the country. One such institution, ITT Technical Institute, recently closed its doors due to sanctions levied by the U.S. Department of Education. The closing of ITT has created a conversation about the sustainability of the for-profit college model and.. More


The Importance of Tax Planning on Retirement Income

The myth: when you get older (age 62 and older) and begin drawing retirement income, your taxes will be lower. The reality: the tax rate that you will be subject to in retirement depends on the amount of income you have, from all sources. This includes any amounts payable from an employer’s defined benefit or.. More


Meeting Your Needs for Retirement: A Planning Primer

During the Great Recession of 2007-2009 and in particular, the period between January 1, 2008, and January 20, 2009, assets held in defined contribution plans such as 401(k) were subject to the sharp declines that were being experienced in the equity markets. The S&P 500 Index, which is one of the broadest measurements of the.. More