Long long ago there lived a very shrewd spider. Brother Anansi was well-known, loved, feared and respected by all.
Although equity indexed annuities have been around for a number of years, equity indexed universal life (EIUL) insurance is a relative newcomer to the life insurance marketplace. EIUL is a spin on universal life (UL) insurance, a popular policy type because you can increase or decrease your death benefit as your needs change and your premiums can be adjusted accordingly. UL policies also build a cash value against which you could borrow or even use to pay your premiums.
The equity indexed concept is relatively simple: the amount of interest credited to your policy's cash value is tied to the performance of a particular index (the S&P 500 is one of the most popular),
Neurosurgeons tend to earn a lot of money. Not everyone wants to be a neurosurgeon. Not everyone has the aptitude to be a neurosurgeon. Not everyone can master the knowledge and skills needed to be a neurosurgeon. Not everyone has the opportunity to be a neurosurgeon. You are unique. It really comes down to finding the right earnings fit for you. Sir Ken Robinson talks about this need in this video:
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It may seem obvious but may not be obvious to everyone. Before you can build wealth, you need to have some wealth to build! Many of us, however, get distracted by the excessive wealth we see on television such that we see our actual wealth as not wealth at all. Everyone has some wealth. |
The unexpected death or disability of a key person in your business such as yourself can be devastating to the families, customers, suppliers and creditors of the business. Key person life insurance and disability insurance gives the company the resources and opportunity to locate and train suitable expertise.
Your business will be the owner and beneficiary of a policy covering a key employee. This protects the interest of the business and all its stakeholders. Typically, the company ensures that the key person's family is adequately insured by another policy.
As a business owner you learn to pick and choose your risks. In the event of an unforeseen catastrophe, preserve and protect your business. Whether it is the sudden death of an owner or key employee, life insurance offers a way that helps keep your business operating. Every family is affected. Each family connected to your business, depends on your business' continued operation; suitable insurance safeguards this promise.
Building, Protecting and Preserving Your Wealth