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This has been long in coming. One of the drawbacks of living benefit riders on VAs is that the primary source of new premium - IRA Transfers and 1035 Exchanges - will dry up (at least until the cost of hedging drops, and the return on insurance company general accounts return to what was originally expected when priced). When a living benefit rider is in the black, meaning it pays to stay more than it can possible pay the client to switch, new premium dries up fast.
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It can be exciting changing jobs, whether you're simply changing companies in the same or similar occupation, or taking the big leap from one career to an entirely different one. A career change also presents one with opportunities and decisions regarding their financial plans.
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At least, that's not what the government wants you to think.
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If you get sick or hurt, and cannot work, would you prefer a check or a get-well card? The most valuable asset most working Americans have is their ability to earn an income. If one cannot earn an income, and they don't have enough savings to retire, then they face financial difficulty.
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The average age of life insurance agents approaches 60, we're at a 50 year low in individual life insurance ownership, and the industry seems to be wondering what to do next.
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If you search the Internet for articles on the topic of life insurance on children, you will find all sorts of differing opinions. Many of these opinions are negative on the subject, and quite a few outright attack life insurance agents for selling life insurance that covers children. There is one thing all these negative articles have in common: Not a single one is based on the real life experience of delivering a claim check when a child dies unexpectedly.
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When getting divorced, one area of your financial life that you should take into consideration is the life insurance you and your ex-spouse own, in particular if you have children together, but also if you continue to maintain financial ties due to common debt obligations or a business relationship.
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