Having life insurance may seem like an inconvenience or unnecessary expense to some, but it can provide vital benefits that make the investment worthwhile. Whether you have children, a spouse, or other family members who rely on your income to survive, life insurance could be just what you need to maintain the lifestyle you want […]
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Annuities are simple financial instruments that allow you to spread out your savings over time, ensuring you will have money in retirement no matter what happens to the markets over the years. Here are some facts most people don’t know about annuities so you can feel confident in choosing one when you build your financial […]
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Disability Insurance provides you with income protection if you are unable to work due to an injury or illness and you can’t rely on your other income streams or your partner’s income alone. Disability Insurance benefits will provide your family with the means to pay your bills, keep food on the table, and continue day-to-day […]
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Yes, you can have multiple life insurance policies, and they can be purchased from different companies. Having an additional policy ensures your loved ones are taken care of for as long as they need protection. There are two forms of life insurance, each having pros and cons. One form is permanent life and the other […]
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Here, at Advisors Insurance Brokers (AIB) a common question we are asked is, “What is the difference between term and whole life insurance?” This is a really great question if you’re trying to determine the best option that will help protect you and your family in the long term. A lot of time, people understand […]
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3 Key Questions to Ask Yourself How much life insurance do I need to protect my family? How can life insurance shield my loved ones in case something happens to me? How much life insurance will cover my expenses in case I’m not here for my family? You may be wondering how life insurance can […]
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Income Replacement Insurance You can’t plan when and where you might experience a disabling accident or illness. However, with the right plan in place, you can protect your income and financial security no matter the circumstance. By using income replacement insurance, you can enhance your financial security while ensuring you have something to fall back […]
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Long-Term Care involves a variety of services designed to meet a person’s health or personal care needs during a short or long period of time. These services help people live as comfortably as they can when they can no longer perform everyday activities on their own. Long-term care is provided in many different places and […]
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QLAC – Qualified Longevity Annuity Contract A QLAC is a deferred income annuity specifically for qualified funds. A portion of qualified money goes into the QLAC not only lowering your RMD’s but also your tax burden. It allows you to put money aside to create a stream of income in the future. It’s a great […]
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Annuities allow your client to put S.T.Y.L.E. in their financial portfolios. S.T.Y.L.E. refers to Safety, Tax Deferral, Yield, Liquidity, and Estate Planning – attributes inherent in Annuities. Safety: A fixed annuity guarantees that your principal is protected, and you can always get the money back. Tax Deferral: During the accumulation phase the gains are tax […]
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