According to US Department of Health and Human Services, at least 70 percent of people over age 65 will require some long-term care at s[...]

The 2018 Tax Cuts and Jobs Act increased the estate tax exemption available for U.S. citizens to $11,200,000 for an individual, or $22,4[...]

The term "Guarantee" for the obvious reason, can be expensive. It is particularly true when a life insurance company sells a guarantee [...]

Foreign nationals (Non-Resident Aliens) have tax-advantage to buy US life insurance. Non-resident Aliens are subject to estate tax for f[...]

Term life insurance provides protection for a specific number of years (10 ~ 35 years), so it is often the most affordable insurance. Yo[...]

GUL is a guaranteed Universal Life Insurance. If you don't care about the cash value in your policy and only care about the death benefi[...]

Living Benefit Rider, also called Accelerated Benefit Rider (ABR), is a no-cost rider to a life insurance policy and is consist of Criti[...]

As you can see on the chart above, Index Universal Life insurance (IUL) on the rightmost column has the most number of advantages as a[...]