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Frequently Asked Questions

 

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What happens to the cash value in a life insurance policy when you die? Can you explain the difference between wealth accumulations and wealth preservation? I’ve heard good and bad things about annuities. What is the difference between a fixed and variable annuity?
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Does a fixed index annuity make less, or more than the stock market?  Do all fixed annuities make the same every year?   What’s the average fee I would have to pay to get a decent return?
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Can you explain the basic idea behind Tax Deferral? Now that I’m in my retirement years, why would I need life insurance at my age?   Do I need to be concerned about how long I’m tying up my money for when I’m looking for a retirement vehicle?
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Does the average person really know what’s in their retirement plan?   Is it even worth applying for live insurance at my age and my health?  Since I don’t need my required minimum distributions to live on, what’s the best thing to do with that money? 
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How can I make money safely in this low interest rate environment? Can I possibly make more than the stock market in a vehicle with limited upside? Can I have my cake and eat it too? 
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 Isn’t the life insurance application process lengthy and difficult? How can I afford life insurance? I’m on a fixed income.  Should I consider long-term insurance even though the premium is not guaranteed? 
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What’s the most efficient way to pass assets to the next generation tax-free? I’ve spent my life savings for the retirement. Now what? Are my beneficiary I’s dotted and T’s crossed?
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What are required minimum distributions? Why haven’t heard of the Ideal Retirement Pyramid from my advisor? How do I avoid leaving my money idle not earning anything?
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Should I convert my IRA’s to ROTH IRA’s?