If you are in a saving-money stage of life, a deferred annuity can...

• Help you meet your retirement income goals. Employer-sponsored plans such as a 401(k), 403(b) or Keogh are an important part of planning for retirement. However, contributions to these plans and to IRAs are limited,...

How Money Works Master Class Part 1

Encounter the realities and concepts for a financial foundation. There are over 5 billion people in the world who don’t know how money really works, which makes them easy targets for anyone who does. Our goal is financial literacy and empowering people...

How Money Works Master Class Part 2

The continuation of How Money Works Master Class. Discover The 7 Money Milestones, your road map to financial security and independence. 7 Money Milestones. It’s your step-by-step action plan designed to help you chart the course from where you are today to financial...

When do I need travel insurance?

A vacation travel break can be revitalizing and can open you up to new experiences. It can also be expensive—and just because you're off from work doesn't mean the universe cooperates.

A whole variety of unforeseen circumstances can squash travel plans with little...

In most cases, if you have no dependents and have enough money to pay your final expenses, you don’t need any life insurance.

If you want to create an inheritance or make a charitable contribution, buy enough life insurance to achieve those goals.

If you have dependents, buy enough life...

A permanent life policy provides lifelong insurance protection. The policy pays a death benefit if you die tomorrow or if you live to be a hundred. There is also a savings element that will grow on a tax-deferred basis and may become substantial over time. Because of the savings element,...

Steps and advice to help protect you from identity predators

Identity theft victims often spend months or years recovering from the frauds perpetrated on their bank accounts and getting their credit rating corrected. Protect yourself against identity theft with this advice.

What is identity theft?

Roughly 1,000 life insurance companies sell life insurance in the U.S., but many are members of groups of companies and so aren’t really competitors with each other. Having separate companies enables a group to offer its products through separate distribution channels, to more efficiently meet the regulatory requirements of particular...

Fixed vs. variable annuities

In a fixed annuity, the insurance company guarantees the principal and a minimum rate of interest. In other words, as long as the insurance company is financially sound, the money you have in a fixed annuity will grow and will not drop in value. The growth...

Choosing the right type of life insurance can be confusing, but it’s also an important decision. Here are some guidelines that can help you narrow down your best life insurance options.

Consider term life insurance if...

• You need life insurance for a specific period...