Life Insurance for Longevity

Jack Nachtrab Life Insurance Consultant As we approach the end of 2025, recent studies highlight that Americans are living longer than ever. Average US life expectancy now sits at a projected 79.4 years. Although retirees need to plan to live longer, many remain...

Dividend vs. Index- Long Term Performance Trends

Jack Nachtrab Life Insurance Consultant In the permanent insurance world, the two main types of policies that accumulate a cash value are Whole Life and Indexed Universal Life. Both policies come with guaranteed death benefits and have similar features, riders, and...

Life Insurance Done Simply

Jack Nachtrab Life Insurance Consultant At a financial services conference last week, I had multiple conversations about life insurance with independent financial advisors around the country. The common theme of the conversations was the perception that writing life...

An LTC/Annuity Hybrid Worth Discussing

The LTC hybrid market has undergone changes with new products being introduced, price adjustments, and rate increases. One particular product demanding attention blends an annuity and LTC together; below are some highlights: A+ Rated Carrier Current fixed interest...