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Do Spouses Need the Same Amount of Life Insurance?

Pat and Kelly, new parents, made a couple of monthly budget adjustments upon the arrival of their first child. First, due to the added cost of day care and dependent health insurance, they decreased the amount they were saving for a house. And second, they agreed to review their life insurance needs.

How Your Social Security Survivorship Benefit Affects Your Life Insurance Needs

Generally speaking, conversations about life insurance revolve around whether you should buy term or permanent insurance. However, every decision to buy life insurance begins with deciding what is the right amount of life insurance. And, integral to determining the right amount of life insurance is understanding the role of your Social Security Survivorship Benefit (SSSB).

Business Owners’ Personal and Family Security Risks

Accumulating wealth turns out to be a double-edged sword for business owners. It certainly has its privileges, but it also comes with additional risk exposures. In a 2011 Zogby survey, 92 percent of people with a high new worth indicated concerns over the possibility of home invasions, muggings, kidnapping, and even random street crimes.

Annuities and Retirement Planning

The growing demand for more predictability and security planning for retirement income has led an increasing number of retirees and pre-retirees to look to annuities as way to provide more stability in their investment portfolios. They are also looking to annuities as a way to replace the third leg of the retirement income stool as a guaranteed lifetime income.

How to Choose a Life Insurance Agent

Buying life insurance usually starts with trying to determine how much and what type you should buy. You will probably need some help making those decisions, so following is some insight on how to choose an agent who can help you make a smart life insurance buying decision.

Pay Yourself First - The Holy Grail of Personal Finance

Remember way back to your first paycheck. The moment you opened the envelope anticipating the windfall when all your hard work pays off. Then, like a swift kick to your gut, realty hit. Your takeaway earnings are almost always way lower than what you expected.

Financial Planning for Newlyweds

Congratulations Newlyweds! Your fresh union symbolizes a new beginning facing the world. But before the glow of wedded bliss wears, it’s crucial to talk about finances.

Life Insurance and the Single Parent

The decision making process for single parents begins with the traditional question of determining how much life insurance is the right amount. The simple answer to how much life insurance is enough is quite simple. It depends.

So, the first question that you might ask is, “Depends on what?” That’s easy.

Infographic: How to Choose the Right Investment Advisor

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The Key to Finding Top Deferred Annuities

Deferred Annuities have always had appeal as a long term, retirement planning vehicle. Their popularity reached a peak during the high interest rate and high tax rate environment in the 1980’s. Today, they remain an attractive alternative for investors who seek stability and predictability for their retirement assets.

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Securities offered through 1st Global Capital Corp., Member FINRA/SIPC. Investment advisory services offered through 1st Global Advisors, Inc. Insurance services offered through 1st Global Insurance Services, Inc. We currently have individuals licensed to sell in the states of CA, CO, CT, FL, GA, IL, MA, MD, ME, NJ, NY, OH, PA, RI, SC, TN, TX, VA, and VT. This is not an offer to sell securities in any other state or jurisdiction.

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