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Indexed Universal life insurance definitive guide 2025

Indexed Universal Life Insurance: 2025 Definitive Guide

Indexed universal life insurance (IUL) is one of the more innovative wealth-building options available today. First and foremost, it provides a death benefit like all life insurance policies. The difference is that this one also provides a build-up of cash inside the policy. This cash is not exposed to market risk, can be accessed tax-free,…

Cryptocurrency 101: Getting Started for Beginners

If you took a small chance back in 2009 and invested $100 in bitcoin, you would have roughly $48,000,000 today. Hindsight, right? Clients and friends have been talking with me about cryptocurrency for the past few years, and I finally jumped on the bandwagon in early 2021. I knew it would be hard to study…

How to Survive in Retirement Without Running Out of Money

Many retirees are ending up with what we call an income shortfall in retirement. That’s where the amount of assets they have saved up is simply not enough to cover their lifestyle and the expenses they’re going to incur over their lifetime. The Problem: Income Shortfall in Retirement The reason why retirees are experiencing this…

How to Build Wealth with Life Insurance Plus Leverage

Why not give yourself a bigger retirement by using leverage with life insurance? Cash-value life insurance plus leverage can increase your cash flow during retirement free of income tax. This strategy builds significant cash value using life insurance coverage as an accumulation vehicle. We’ll show you how. Leverage leaves you with as much cash in…

Critical Illness Insurance – The Complete Guide & Best Companies

Critical illness insurance pays you a lump sum if you’re diagnosed with certain illnesses – like cancer, stroke or a heart attack. You’ll occasionally see this called critical care insurance. You can use this cash for whatever you want. Most people use it to either cover medical bills not covered under their insurance or to…

what to do with an unneeded life insurance policy

What are Your Options for a Life Insurance Policy You Don’t Need?

Life settlements have become increasingly popular in the last three decades as seniors no longer need life insurance policies they’ve held onto for years. But is a life settlement the only option for someone who no longer needs their life insurance? What if you still need life insurance, but your policy and premiums are just…

Premium Financing For Life Insurance (An Easy How-To Guide)

One of the most cost-effective ways for high net worth individuals to protect their assets and create estate liquidity is to take advantage of premium financing for life insurance. The problem is that high net worth individuals require large life insurance policies. These can become extraordinarily costly. While paying the premiums may not be an…

Guaranteed Issue Life Insurance (Your Complete Guide)

Guaranteed issue life insurance is a fantastic choice for people who would otherwise be unable to get traditional life insurance. It sounds easy. (It is.) The catch is that life insurance companies charge more for these types of policies. If you found your way here at the start of the life insurance process, we strongly…

Life Insurance for Children (A Look at the 4 Best Policies)

Buying life insurance for children is just one of the many ways you can give your child a financially sound future. One of the biggest benefits is the incredible variety of policies offered by many insurance companies. Most of these can fit any family’s budget. Buying a life insurance policy for your child when they…

Accidental Death and Dismemberment (AD&D) Insurance

Accidental death and dismemberment insurance policy, also known as AD&D insurance, is a low-cost alternative to life insurance. It is a way for people who might otherwise be declined or worry about being rejected for traditional life insurance. Keep in mind there are a handful of life insurance policies that will approve anyone. Accidental death…

low price term life insurance rates by age

Insider Term Life Insurance Rates by Age (Instant Quotes 20s to 80s)

To find your term life insurance rates by age, scroll down to find your age bracket. Click the header on the age bracket for information specific to that decade of your life. There are links there which will lead you to specific rates by age. Your age is the number one factor in determining the…

life insurance for pre existing conditions

How to Get Approved for Life Insurance with Pre-existing Medical Conditions

How an Expert Can Help Get You Approved Getting life insurance for pre-existing medical conditions is only slightly more effort than getting approved for life insurance without pre-existing conditions. Having a past or current health condition in your medical record often doesn’t even result in a decline as a result of advances in medical technology.…

Final Expense Life Insurance

Final Expense Life Insurance is a wise purchase to consider especially if you want your loved ones to avoid having to shoulder the burden of not just having to incur expensive funeral costs but other unexpected expenses as well. The average cost for a funeral in the United States is between $7,000 and $10,000. However,…

Life insurance riders provide enhanced coverage

How Life Insurance Riders Enhance Your Coverage

Choosing a life insurance policy that’s right for your family is a difficult enough task, but will the policy you choose provide sufficient protection? What happens if you become ill, have an accident and can no longer afford to pay the life insurance premium? The good news is that for just a few dollars more…

No Exam Life Insurance – The Best Companies & How To Qualify

Life insurance with no medical exam is a convenient and affordable option for coverage. If you need coverage fast or don’t like needles, this might be the perfect option for you. We represent all of the major companies and will match you with the option that best protects your family at the lowest cost. Why…

Annuities: The Definitive Guide

You’ve likely come across advertisements highlighting annuities as a viable retirement strategy that ensures you never outlive your money. But is that really the case? Let’s break it down… Annuities are financial products designed to provide a steady stream of income, typically for retirement. They are contracts between an individual and an insurance company, where…

Long Term Care Insurance

Protect your Assets with Long Term Care Insurance Long Term Care (LTC) represents one of the greatest risks to your financial future. At least 70% of people over the age of 65 will require LTC services at some point in their life. The average stay in a LTC facility is 3 years at a cost…

Everything You Need to Know About Disability Insurance

There is nothing more important to your survival than your ability to earn a living. Your retirement accounts don’t matter if you can’t fund them. Your investments won’t appreciate properly if you can’t contribute. You can’t pay your mortgage. You can’t feed your family. Income is what holds everything together. Disability insurance protects that income.…

Travel Insurance

Comprehensive Travel Health Insurance for any Trip Abroad Always protect yourself with travel insurance when traveling outside the country. Your regular health insurance will only offer limited coverage, if any, when you are traveling abroad. At Abrams Insurance Solutions, we are pleased to provide you with a variety of premier travel insurance packages that suits…

Best Ways to Find Affordable Health Insurance

Affordable health insurance takes some legwork. But it’s within reach and even fairly fast if you get your priorities straight and ask for help. We will cover all the basics, terminology, and strategies for finding the right health coverage at the lowest possible price. If you want to get help from a knowledgeable insurance advisor,…

Million Dollar Life Insurance: Who Needs It and What It Costs

Million Dollar Life Insurance Policy: Is It the Right Move for Your Family’s Financial Future?

Most people hear “million-dollar life insurance policy” and assume it is something only wealthy families or executives buy. In reality, a 1 million dollar life insurance policy has quietly become the new standard for anyone who wants real protection. Why? Because modern lifestyles come with bigger responsibilities: mortgages, rising college costs, higher living expenses, and…

Click here to find out how you can get a million dollar life insurance policy without a medical exam

How To Get Up To $1,000,000 Life Insurance Coverage With No Medical Exam

A million-dollar no-exam life insurance policy might sound like something that only the ultra-healthy or high-income earners can qualify for, but the reality is far more encouraging. With modern underwriting technology and more flexible life insurance options, many people can secure $1 million in coverage without a medical exam or needles, lab work, or doctor’s…

Asset-Based Long Term Care: Protect Your Assets and Secure Your Future

Long-term care expenses are rising faster than most retirees anticipate, especially when it comes to home health care. With rates often ranging from $30 to $40 an hour, the cost of having help at home just eight hours a day, seven days a week can easily reach $10,000 a month—over $120,000 a year. Many families…

Learn how high-limit AD&D coverage provides affordable protection, no medical exams, and peace of mind for your loved ones.

Why Accidental Death & Dismemberment (AD&D) Insurance Makes Sense for Adults Over 70

After age 70, life insurance can become expensive or even unavailable. Many seniors are surprised to discover that their premiums skyrocket just as they want to leave a simple safety net for loved ones. That is where accident insurance for seniors over 70 comes in, as an affordable way to protect your family if an…

learn the differences between life insurance and ADD and how to know which one to choose

Life Insurance vs. AD&D: What’s the Difference and Which One Do You Need?

Many people assume life insurance and Accidental Death & Dismemberment (AD&D) insurance are interchangeable…but that’s a costly misconception. The two types of coverage may seem similar on the surface, yet they serve very different purposes. If your goal is to make sure your loved ones are financially secure no matter what happens, understanding these differences…

How to Get Affordable Life Insurance Over 50 (Without the Headache)

When you reach your 50s, life insurance is no longer something to think about “someday.” It becomes a real decision point. You either need it or you don’t. For most people, the question isn’t whether to get coverage, but how to find affordable life insurance over 50 that fits their goals, budget, and family’s future.…

Does Delta Dental Cover Invisalign?

When it comes to straightening your teeth, one of the most common questions is: does Delta Dental cover Invisalign? The short answer is: it depends on your plan. Coverage for Invisalign isn’t automatic. Instead, it depends on whether your Delta Dental plan includes orthodontic benefits and, if so, what limitations apply. (For an overview of…

$250,000 Life Insurance Policy No Medical Exam: Is It Right for You?

Life insurance is one of the most important financial tools you’ll ever purchase. It’s not about you…it’s about protecting the people who depend on you, no matter what the future holds. For many, a life insurance policy with no medical exam is the fastest, simplest way to secure peace of mind. But is $250,000 life…

An article on why indexed universal life insurance policy is best for premium financing

4 Reasons IUL is Best for Premium Financing

When it comes to premium financing, choosing the right life insurance product is critical. While every permanent life insurance policy has strengths and weaknesses, an indexed universal life policy stands out as the best fit for premium financing strategies. Other types of permanent life insurance, such as whole life, guaranteed universal life, and traditional universal…

CHM vs. Medi-Share: A Faith-Based Guide to Healthcare Sharing Ministries

When comparing CHM vs. Medi-Share, the search for affordable healthcare that aligns with your faith becomes personal. Many Christian families struggle to find a path forward, and rising medical costs are forcing more people to look for alternatives outside of traditional insurance. For an overview of how Medishare works and what it covers, use the…