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Richard Reich

Life Insurance Trusts

Reduce Estate Tax Liability with Life Insurance Trusts   Are you’re wondering if life insurance trusts are a good idea? Depending on your financial situation and the manner in which your life insurance policy is structured, setting up a …

It’s a Wonderful Life…Insurance Policy

I recently watched the fabulous movie It’s a Wonderful Life for the umpteenth time. I must admit it gets me every time I watch it. With my apologies to Frank Capra, here’s another version of the movie: George Bailey has spent his entire …

Backing the Hearse up to the Door

  There’s an old-school method of selling life insurance called backing the hearse up to the door. Using this method, a life insurance salesman vividly paints a picture of what life would be like if the family’s breadwinner were to …

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What is my Insurance Age?

Many insurance companies determine your age as your age at your nearest birthday. As an example, if you were born on January 1,1968, your "insurance age" in 2008 would be age 40 up until June 30th, 2008. Thereafter, it would be age 41 until June 30th, 2011.

The date your policy is issued determines your insurance age. As it typically takes 30 - 90 days to approve a policy, the premium of your policy might differ slightly from your original quotes.

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