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

EMA AcciProtect AD&D (Accidental Death & Dismemberment) Review

Today, we’re going to review the EMA AcciProtect AD&D insurance. It’s an accidental death and dismemberment policy. It’ll pay your beneficiaries if you die resulting from an accident. Or it’ll pay you some or all of the benefits if you lose specific limbs or senses. It’s an extra policy that you can get through EMA…

Unused Annuity? How to Avoid Leaving Your Kids With the Taxes

Annuities are arguably the best way to create a stream of guaranteed retirement income that you cannot outlive. We help our clients use them in a comprehensive retirement plan that avoids the usual retirement risks. It’s a popular option, too, with an estimated $2.52 trillion of retirement assets held in annuities just in the United…

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? Three Qualifying Questions As long as you’re 18 years old, you can apply all the way up through age 74. They guarantee acceptance to anyone answering “no” to the following questions: 1. Are you terminally ill? (Life expectancy…

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 Quote

vul vs iul. Which is better for cash accumulation

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

Ever wondered how you can protect your family’s future while also growing your wealth? Welcome to the world of universal life insurance, where Variable Universal Life (VUL) and Indexed Universal Life (IUL) policies come into play. These aren’t just your average insurance plans. VUL and IUL are financial powerhouses that can help you build cash…