Blog of Abrams Insurance in San Diego CA 858-703-6178

EMA Value 20 Term Life Insurance Accepts Often-Declined Medical Conditions

The EMA Value 20 membership plan includes: Value 20 Life Features: Where Is Value 20 Life Available? Value 20 Life will cover residents in 48 states. The only two states where this plan is not approved are Washington (WA) and North Carolina (NC). Three Qualifying Questions As long as you’re 18 years old, you can…

Protect Your Kids and Your Business – 3 Kai-Zen Case Studies

We have three Kai-Zen life insurance case studies here showing how business owners provided for their children through: This is part of our series on gifting leveraged life insurance to your children to give them tax-free income rather than leaving a later inheritance. For more details on the mechanics, read the main article on Life…

Gifting Kai-Zen – A High Earner Case Study

We work with a lot of folks who have set up one of these leveraged life insurance contracts, make their 5th and final premium payment, and then ask, “Now what?” Usually, it’s a physician or a well-compensated executive. They have a couple of options. They can have more than one plan. They’d set up a…

How A Couple Turned an Unneeded RMD Into Over $9 Million

In this case study for gifting a leveraged life insurance policy, we’re looking at how one couple took their required distributions from their retirement policies and found a tax-efficient way to gift it to their grandchildren. They chose this over the alternative of reinvesting and paying more taxes later. If you aren’t familiar with the…

Life Insurance Estate Planning – No Taxes & Financial Security

Between right now and 2045, economists estimate between $60 – $84 trillion will pass from Boomers to their children, mostly millennials. To set the stage for that, the Millennial generation only holds about 5% of the country’s wealth. In practical terms, this generation will go from survival mode to suddenly having a boatload of money. …

Get Life Insurance with Congestive Heart Failure

Life insurance with congestive heart failure is possible to get. Guaranteed issue life insurance is likely the best option for CHF. In this article, we’ll explain how and examine the top four companies. Key Points Can you Get Life Insurance with Congestive Heart Failure? Yes. You will be limited to specific types of life insurance,…

Indexed Universal Life Insurance Definitive Guide

Indexed Universal Life Insurance: 2023 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,…

Indexed Universal Life Insurance Quote

VUL vs. IUL (Which is Better for Wealth-Building?)

In this article, we’re going to look at variable universal life and indexed universal life (VUL vs. IUL) in terms of which is better at accumulating cash value in the most reliable manner. It could be a no-questions-asked loan or even a retirement income stream. There are tons of options for what you could do…

Assurity Life Insurance – In-Depth Review of the New Online Term Policy

For an easy term policy, Assurity Life Insurance company is one of our favorites because it’s super fast (potentially under 30 minutes) to get a policy in place, it’s all online, and it offers a bunch of customization options. We’re deep diving into a review of the nitty gritty policy provision. If you want to…