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Which Permanent Life Insurance Policy Is Right for You?

Decision Tools  ›  Life Insurance  ›  Permanent Policy Fit Tool Decision Tree Insurance Decision Tool Which Permanent Life Insurance Policy Is Right for You? Compare whole life, guaranteed universal life, fixed universal life, indexed universal life, and variable universal life using the role you need the policy to perform—not the product someone happened to show […]

Social Security Disability Income Gap Calculator

infographic for the SSDI Income-Gap Calculator showing the 5-month SSDI waiting period, reduced income after disability, and ways to bridge the income gap.

Free interactive Social Security disability tool SSDI Income Gap Calculator Calculate how much income you may have to cover during SSDI’s five-full-calendar-month waiting period, compare an estimated SSDI benefit with essential expenses, and see how private disability coverage may coordinate. Use the free calculator Explore the Social Security guide No name, email address, or phone […]

Joint and Survivor Annuity Calculator

Infographic comparing a Joint and Survivor SPIA versus a Single-Life SPIA paired with life insurance to protect a surviving spouse.

Free interactive retirement-income tool Joint and Survivor Annuity Calculator Compare single-life, 50%, 75%, and 100% joint-and-survivor SPIA income. Then test whether a separately underwritten life insurance policy could provide spouse protection while preserving more income today. Use the free calculator Read the complete strategy guide No name, email address, or phone number is required to […]

Captive Insurance Assessment Decision Tool

Stick figure business owners comparing commercial insurance premiums with a captive insurance company that covers recurring risk, builds reserves, and keeps underwriting profit inside the business.

Captive Insurance Assessment Decision Tool Forming or joining a captive insurance program can affect millions of dollars in premiums, capital, collateral, claims, financing, and long-term operating obligations. It is not a decision that should begin with a tax projection or a sales presentation. The Executive Captive Insurance Assessment is a free interactive tool designed for […]

Should You Start A Section 162 Bonus Plan For Your Key Employees?

Section 162 Executive Bonus Plan diagram Decision Tree Insurance

Is a Section 162 Executive Bonus Plan Right for Your Business? A Section 162 executive bonus plan can be a useful way to reward a selected employee with personally owned life insurance. It can also be the wrong structure when the company expects control, repayment, business protection, or a stronger promise that the employee must […]

Reinstate A Lapsed Life Insurance Policy Or Buy New Decision Tool

A stick-figure whiteboard infographic comparing life insurance reinstatement at the original rate versus starting a new policy at a higher cost due to older age.

Free life insurance decision tool Should You Reinstate a Lapsed Life Insurance Policy or Buy a New One? The answer depends on more than which premium is lower. The policy’s current status, remaining coverage, original underwriting, guarantees, loans, and your needs today can all change the decision. A lapsed policy can sometimes be restored. Reinstatement […]

Best Financial Gift for a Child? Free Decision Tool

Best financial gift for a child decision tool comparing protection, wealth building, education, and legacy goals

What Is the Best Financial Gift for a Child? Life insurance can be a meaningful gift for a child or grandchild. It can provide permanent coverage, build cash value, and—when the contract includes the right provisions—help protect the child’s ability to purchase additional insurance later. But life insurance is only one way to give a […]

Dividend Option Decision Tool: Which Fits Your Life Today?

A hand-drawn whiteboard diagram illustrating the six primary dividend options available in a participating whole life insurance policy. At the center, a box labeled "Policy Dividends" acts as the source. Six arrows branch out to individual options: Cash Payout, Premium Reduction, Accumulate at Interest (marked with a small tax alert), Paid-Up Additions (building higher permanent cash value and death benefit), One-Year Term (providing temporary extra protection), and Paid-Up Early.

Open the dedicated tool page Interactive Decision Tool Which Whole Life Dividend Option Fits You? A private 2-minute check-up. I’ll help you see which dividend choice appears to match the job your policy is still supposed to do — and what to verify before you change anything. About 2 minutes No contact info required Answers […]

Is Cash Value Life Insurance Right for You?

Is Cash Value Life Insurance Right for Me

Use this interactive guide to evaluate whether cash value life insurance fits your protection needs, financial stability, time horizon, and reasons for considering a policy.