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Robert D. Cavanaugh, CLU's Articles in Insurance

  • New Kid on the Block: Indexed Universal Life
    Do you think whole life insurance is a poor investment? Are you skittish about variable universal life due to fluctuations in the stock market? What if there was an insurance policy with cash values linked to the equity market but that could only go up and never go down? Nirvana? Here it is...
  • Hot New Product: Long Term Care Annuities
    Have you made the decision not to buy long term care insurance because you feel you will never need it? Do you think it is too expensive? Do you have health problems preventing you from qualifying? Would you like long term care without a policy or premiums? Sound too good to be true? Read on…
  • Why an Individual Disability Insurance Policy Is Better Than Group LTD
    Are you covered by a group long term disability insurance plan at work? How likely is the policy to pay? Learn where the holes are in your coverage and why an individual disability insurance policy is better.
  • ILIT - The Irrevocable Life Insurance Trust
    If you are contemplating buying life insurance to pay estimated future estate taxes, you will probably want to use an Irrevocable Life Insurance Trust. Here’s why…
  • Five Uses For Survivorship Life Insurance
    Survivorship life insurance can pay estate taxes, offset income taxes on inherited qualified plans, and replace assets. When putting your estate plan together, do not overlook this valuable planning tool.
  • Opportunity Cost and Your Long Term Care Decision
    Are you considering long term care insurance but are balking because you don't think you will ever need it? Here is an approach that does not require annual premiums and provides a tax-free benefit to your heirs if long term care is never needed.
  • How to Supplement an Existing Long Term Care Policy Without Paying Premiums
    Many seniors have long term care policies that pay only for a couple of years. Here is how to extend the coverage for life without premiums coming out of pocket.

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