The best type of life insurance is the type that is enforced when you pass away. These policies are a great way to financially protect your family and transfer wealth to beneficiaries in a tax efficient manner.
Single Premium Life (SPL) was designed as a wealth transfer product. In addition to the death benefit – which is several times higher than the initial single premium – the SPL product also provides accelerated death benefits
With longer life expectancies, more seniors are needing some form of long term care during their retirement. Long term care helps to cover health care that is not covered by Medicare or Medicare Supplements.
Few things are as disruptive as the difficulties a person must face in the aftermath of identity- theft. Lost time at home and work, the unknown of what to do, and having to prove over and over again that you are really the victim of a crime can be devastating.
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Raymond J. Ohlson CLU, CRC, president and CEO of The Ohlson Group and SMP International LLC, is licensed to do business in all states except New York.