Sunday Link Rodeo 20

14 March 2010

Highlighting just some of the great personal finance blog posts of this past week. What’s Your Magic Number? The (literally) million-dollar question from @leanlifecoach (guest post by @finengr) It’s always good to have goals. For your retirement, you are going to need to make some assumptions, just make sure you realize that things aren’t going [...]

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Hidden Gem of Life Insurance Policies

9 March 2010
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The earliest life insurance policy on record was issued on June 15, 1583 in London on the life of William Gybbons.  It was for a 12-month period. Life insurance was born as annual renewable term (ART).  What ART is is life insurance coverage one year at a time.  What this means is the cost of [...]

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7 Disability Insurance Add-on Features

6 March 2010

Last week we started by looking at some sweet spots for your disability insurance policies.  This week we are going to jump right into looking at some add-on features that you need to know about when evaluating your own disability insurance policy or shopping for a new and/or better policy. 1.  Catastrophic Rider I’m starting [...]

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Secondary Guarantees Ruin Flexibility

3 March 2010
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One of the biggest selling points for Universal Life insurance policies today are their secondary guarantees. Have you ever heard of them?  What’s been happening with Universal life insurance policies is that they are very reliant on interest rates.  How are interest rates today?  Lower than anyone ever thought they would be, even the life [...]

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Defining Financial Planning

2 March 2010
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Has anyone ever asked you what your definition of financial planning is? There is no right or wrong answer.  In fact, I think I’ll pose this question on FiLife.com and see what we get.  Feel free to share your definition or your thoughts in the comments below as well.  In the meantime, I’ll share my [...]

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Pricing Your Disability Insurance

25 February 2010
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Price is only an issue in the absence of value.  The problem with disability insurance is determining value.  To understand this we first need to look at how disability insurance policies are priced.  We want to make sure we are getting the most bang for the buck and see if we can find some sweet [...]

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Whole Life Insurance is Stackable

24 February 2010
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I was reading a post over a Clarifinancial titled, Can You Own More Than One Life Insurance Policy? His post got me thinking about the changes that have come about in the the life insurance industry. Due the their cost structure, Universal Life insurance policies have often been touted as the most flexible life insurance [...]

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Sunday Link Rodeo 19 – Special Monday Edition

22 February 2010

This is the special Samurai Alexa Ranking Challenge Edition! In honor of the Yakezie challenge I am listing out the latest post from each of the participants.  I highly recommend everyone on this list if you are looking for some great personal finance reading on the web.  Make sure to check out the original Yakezie [...]

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Why Your Finanical Planner is Like a Buffet

10 February 2010
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I don’t know about you but when I decide to go out to eat, where I go depends on what mood I’m in. Burger – I’m probably heading to a bar or pub. Fish – I’m going to a seafood place Steak – Has to be a steakhouse they almost always have the best cuts [...]

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Life Insurance Breakpoints

3 February 2010
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Have you ever heard of bands in regards to life insurance? Well it’s true.  There are premium bands that almost all life insurance companies use.  This creates pricing issues that you might never be aware of.  A good insurance professional should be aware of this but not always.  They make mistakes.  These bands will vary [...]

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