is kai-zen a good investment with high interest rates?

Does Kai-Zen Work When Interest Rates are Rising?

People have been asking if the Kai-Zen insurance strategy (indexed universal life insurance + leverage) will work when interest rates are rising. Rising interest rates is one of the risks with this type of leveraged wealth-building strategy. We will cover how interest rates affect investments, what banks look for and how Kai-Zen stands up in…
Read More
difference between workers comp and disbaility insurance

Workers’ Compensation vs. Disability Insurance: Key Benefits & Differences

This article will cover workers’ compensation vs. disability insurance.  Most importantly, we’ll dive into what different types of coverage mean for your long-term financial security. Plus, you’ll get directions to more detailed resources if you decide that you would sleep better with coverage beyond what you have now.  Let’s get started.  Quick Summary The key…
Read More
great western guaranteed life insurance

Reviewed: Great Western Insurance Guaranteed Issue Life Insurance

Great Western Insurance offers only final expense style insurance policies. Some of these are guaranteed issue life insurance policies with no medical questions or exams. One policy only asks a handful of medical questions.  Great Western also offers pre-need insurance plans. We will touch on the difference between what that is and more traditional life…
Read More
Gerber Life guaranteed issue life insurance policy

Reviewed: Gerber Guaranteed Issue Life Insurance

We will examine Gerber guaranteed issue life insurance – the benefits, qualifications, and details in the fine print.  Guaranteed life insurance products offer peace of mind to someone who might otherwise be uninsurable due to medical conditions, health history, and other hurdles in the application process. Companies offer this type of guaranteed acceptance policy so…
Read More
AIG guaranteed issue whole life insurance review

Reviewed: AIG GIWL (Guaranteed Issue Whole Life) Insurance

We’re reviewing the Guaranteed Issue Whole Life insurance product from American General Life Insurance Company, aka AIG. We’ll cover the benefit amounts, waiting period, guaranteed issue policy type, riders, and underwriting turnaround time.  For an in-depth understanding of exactly how guaranteed issue policies work, as well as their pros and cons, click here. Quick Summary…
Read More
$2 million dollar life insurance no exam

2 Million Dollar Life Insurance Policy Options – No Exam Needed

You can get a 2 million dollar life insurance policy and skip the medical exam. We’re showcasing two companies that can make an underwriting decision either instantly or within 2 days.  It’s about the fastest high-limit life insurance you can get. That way, you can get your life insurance out of the way and get…
Read More
should I get supplemental life insurance or supplemental AD&D?

Supplemental Life Insurance vs. AD&D – Which is Better?

We covered a lot of ground in our main article on accidental death insurance versus life insurance. Reading that will give you the basics.  Here we’ll compare supplemental life insurance vs. AD&D. These are slightly different in that we’re assuming you already have a life insurance policy. We will examine getting supplemental policies on top…
Read More
what is voluntary accidental death and dismemberment

What is Voluntary AD&D (Accidental Death & Dismemberment)?

This article covers what a voluntary AD&D policy is, how it’s different from traditional accidental death insurance, subtypes of policies, differences vs workers comp, pros & cons, and, finally, whether or not it’s a good idea.  For a comprehensive article on traditional accidental death and dismemberment insurance, click here. Okay, let’s go.  Quick Summary Employers…
Read More
accidental death vs life insurance

AD&D vs. Life Insurance – Differences & How to Pick

People often call in asking about choosing between accidental death and dismemberment insurance and life insurance. The significantly lower cost of an AD&D policy vs. life insurance causes confusion, particularly for younger people and new parents, which offers more value for the money.  In this article, we’re going to cover what both policy types pay…
Read More
fastest life insurance

Fastest Life Insurance Options – 3 Types

We rarely have to wait 6 to 8 weeks for anything anymore. Normally, life insurance is one of those rarities. But now, the fastest life insurance can be completed in minutes. These types of life insurance have varying benefits, amounts and requirements. The one thing they all have in common is they do not require…
Read More