Blog

Free Look Provision

Written by Scott W Johnson

All about the Free Look Provision. What it does and How it helps. The Free look provision is a consumer friendly provision that is in life insurance and annuities which allow consumers a certain grace period to return the policy. The specifics of free look periods are very state specific as each state insurance regulator may have different rules. The Free look period is a great tool for American consumers.

Backdoor Roth IRA

Written by Scott W Johnson

The Backdoor Roth IRA: Should you consider Accessing Roth IRAs through the backdoor? In our guest post – Mark Bourguignon, the founder of Ascend Wealth Management, will explain the differences between regular Roth IRAs. He will also discuss a little known financial process known as the backdoor Roth IRA for high income earning families.

Misstatement of Age Provision

Written by Scott W Johnson

The misstatement of age provision is an important consumer protection tool in the world of life insurance. Learn about how a somewhat common mistake can prevent an insurance tragedy.

Life Insurance for Dummies

Written by Scott W Johnson

Life Insurance for Dummies is Our Signature Simple Guide to life insurance. Short, Simple, and Sweet.

How to Save $246,000 on life insurance in 20 years

Written by Scott W Johnson

Can you really save over $246,000 on life insurance by following one simple trick when buying life insurance? All in only twenty years – Your choices on what form of life insurance to purchase are important – make the right ones.

How long does the coverage normally remain on a limited-pay life policy?

Written by Scott W Johnson

Learn about limited pay life insurance and how long this form of whole life insurance lasts. Limited pay may be your best option if you want to get the most bang for your buck with permanent insurance.

Is Whole Life Insurance a Scam

Written by Scott W Johnson

Read about one of the most common questions that life insurance agents get – Is Whole Life Insurance a Scam? The truth, the whole story, and the numbers to back it up.

Benefits of Life Insurance

Written by Scott W Johnson

There are so many benefits to life insurance. Whole life, Term Life, Universal Life = they all have numerous benefits. These benefits are broken down by individual characteristics and uses.

The Incontestability Clause

Written by Scott W Johnson

The Incontestability Clause – is a specific time period within life insurance policies that assists consumers after generally about two years. This important component of most life insurance policies is a consumer success story for buyers of life policies. Read about what protections it offers you and what is will not protect you from.

Equitrust

Written by Scott W Johnson

The Equitrust Life Insurance company is a B++ rated insurer based in Iowa. They offer some really appealing life insurance products. Equitrust is owned by a rather famous american basketball star and has been in business in one form or another since the 1930s. Special caution is given about this life insurance company based on their financial strength ratings.