Perspectives on Life

Protection & Possibilities

Many people view life insurance as only death protection. Realize the little-known living benefits of life insurance.

Latest Stories

Securing the Financial Health of Your Grandchildren with Multi-Generational Life Insurance

By Frank Howell | June 20, 2017

Creative use of life insurance can play an important role in a multi-generational legacy planning strategy, one that allows grandparents to set aside assets specifically to benefit their grandkids, yet still retain control over those assets during their lifetimes. This is a strategy I’ve used with my own clients.

Is Your Employer-Provided Life Insurance Enough?

By Raymond Caucci | December 6, 2016

The group life insurance provided by your employer is certainly an attractive option. You get it for free (or for just the income tax on the economic benefit of coverage over $50,000), and there are no medical evaluations. But is this insurance really enough? There are five reasons that employer-sponsored group insurance may not be enough.

What to Expect Financially When You’re Expecting

By Paul and Susana Tompkin | August 9, 2016

Having a baby is a big step, both emotionally and financially. A lot has been written about the everyday aspects of having a baby, but we thought it might be good to talk about the financial side of becoming a parent.

The Value Behind Small Business Valuations

By Eric May | May 4, 2016

The vast majority of small business owners have no idea of the true value of their business. That is a huge mistake, because without an accurate sense of the value of the small business, business owners are stumbling blindly when it comes to decisions about investing in the business, insuring it, selling it, or relying on it as a personal asset for wealth-building or retirement.

How Much Insurance Do I Need? Determining Human Life Value

By Allan Sternberg | April 26, 2016

People really need to buy life insurance up to their economic replacement value, otherwise known as their human life value. Determining your human life value is quite simple, and Penn Mutual has just launched an online calculator that can help you determine yours.

4 Great Ideas for Using Life Insurance in Retirement Planning

By Brian Eckenrode | April 12, 2016

As clients approach retirement, their focus usually turns to generating income, adjusting portfolio risk, and avoiding asset spend-down. They may not consider life insurance a top-of-mind planning need at this time, but it should be. Life insurance is a multi-faceted product that can help enhance the quality of retirement in diverse ways.

Understanding Indexed Universal Life (IUL) Insurance

By Andrew Martin | November 17, 2015

Indexed Universal Life (IUL) Insurance is becoming an increasingly popular choice for many people. LIMRA reports that IUL now represents the majority of all Universal Life premiums, at 52 percent, and 20 percent of all individual life premiums. Here’s what you need to know about IUL.

When Should I Borrow from My Life Insurance Policy?

By Raymond Caucci | September 15, 2015

Banks will loan you money when you don’t need it but won’t give you a dime when you do. There’s a better way: Borrow money from the cash value of your life insurance.

Six Questions You Should Ask When Buying Term Life Insurance

By Andrew Martin | September 9, 2015

One of the myths about term life insurance is that all term insurance is the same and that price is the only consideration in choosing a policy. That is not true.

Life Insurance Basics: How to Choose the Right Policy

By Raymond Caucci | July 28, 2015

It’s actually a good thing there are so many different types of life insurance: Everyone’s life is different, and even then, people’s needs change over the course of their lives.