Perspectives on Life
Protection & Possibilities
Many people view life insurance as only death protection. Realize the little-known living benefits of life insurance.
By Al Dickens III | September 11, 2018
People don’t fully understand all that life insurance can do for them while they are alive. As a result, they miss out on the numerous benefits that make up what many have discovered to be “The Miracle of Life Insurance.” Sure, life insurance is best known for its death benefit protection, but that is often where the conversation seems to end. It is now time for everyone to resume the conversation regarding life insurance.
By Andrew Martin | September 4, 2018
In the decades since the idea of “buy term and invest the difference” first gained popularity, we’ve learned that this approach doesn’t work so well in real life. Here is the hard truth of buy term and invest the rest.
By Sara Faitelson | March 27, 2018
When my mother was diagnosed with breast cancer, the news was devastating. Having life insurance in place before tragedy struck our family gave my dad peace of mind, to know that if something happened to her, he had enough money to keep the house going and hire somebody to take care of my brother who has special needs so that he could continue working.
By Claire Gallagher | February 20, 2018
Life insurance is not a “once and done” decision, as the needs and purposes behind life insurance changes over the course of a lifetime. That’s why personal coverage reviews are important. The “personal” in the phrase “personal coverage review” is intentional, as the process starts with a review of what has changed in your personal life.
By Penn Mutual | January 2, 2018
Purchasing a permanent life insurance policy for your kids when they’re young can offer a combination of affordably priced premiums and locked-in insurability for life. Permanent life insurance can also yield something else that may be even more important: cash value.
By Penn Mutual | December 26, 2017
One of the most important aspects of owning a small business is protecting your assets, and that includes the most valued members of your team. That’s where key employee insurance comes in.
By Penn Mutual | December 6, 2017
Buying life insurance in your 20s can yield some key benefits that you may lose out on by waiting to get covered. If you’ve been thinking about purchasing life insurance, but you’re not sure the time is right, here are five reasons not to put it off.
By Zach Hamilton | September 26, 2017
While the death benefit is the essential component of life insurance, there are many ways that permanent life insurance can be a valuable resource for you over the course of your life, while you are alive. We call these the “living benefits of life insurance,” and they can be significant.
By Maury Stewart | September 19, 2017
Life insurance is an amazing invention. It truly is a miracle, and here’s why. Life insurance is the only financial instrument I know of where, with a few strokes of a pen and a few pennies per thousand dollars of death benefit, you can create an estate immediately.