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Life Insurance as an Investment | Should I invest in Insurance Schemes? | Investment Tips by Yadnya
 
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Life Insurance as an Investment - Should I invest in Insurance Schemes? When it comes to considering insurance as an investment, you’ve should follow the saying, “Buy term and invest the difference.” The term life insurance is the best choice for most individuals because it is the least expensive type of life insurance and leaves money free for other investments. There are no maturity values in Term plans. ULIPs and other type of insurance plans, allows policyholders to accumulate cash value but there are expensive management fees and agent commissions associated with these policies, and we consider these charges a waste of money. Find us on Social Media and stay connected: Blog - https://blog.investyadnya.in Facebook Page - https://www.facebook.com/investyadnya Facebook Group - https://goo.gl/y57Qcr Twitter - https://twitter.com/investyadnya #investYadnya #LifeInsurance #YIA
Dave Ramsey right:  Life Insurance is NOT a good investment
 
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Dave Ramsey right: Life Insurance is NOT a good investment ================================== Make sure not to miss a video from Chris! Click here to subscribe: http://www.youtube.com/subscription_center?add_user=UCyNvN057XS4Afd25rQrdFuQ ============================================ https://life180.com ============================================ The constant battle between Dave Ramsey and Life Insurance agents. Which one is right? The answer is neither! You need to watch this half-hour video about how you should actually position life insurance in your life to give yourself more security, guarantees, opportunity, control, and abundance in life. Life Insurance is NOT and Investment alternative, it is a banking alternative. Check it out now and see how you can set up your own personal bank and start positioning yourself for a life of abundance today! UPDATE: I recently filmed a video on HOW TO PROPERLY STRUCTURE A WHOLE LIFE POLICY. I have received a lot of questions about this concept. Here is the link for that video: https://youtu.be/dxIXcJNlAVI ============================================== Chris Kirkpatrick "The Safe-Bet Money Guy" LIFE180.com Facebook: Facebook.com/life180llc Follow our LIFE180 Roadmap to Financial Success Course and learn how to structure your life like the wealthy: https://LIFE180.com https://youtu.be/4VT037y9njg Dave Ramsey right: Life Insurance is NOT a good investment
What are the benefits of investing in life insurance
 
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Mr. Pascual Carbero, President of Philippine Insurers Club and Vice President of Intra Strata Insurance and Surety Corporation gives a well-rounded discussion about investing in life insurance to secure our future. There is more to mornings than your usual daily-paper-and-coffee habit. GMK showcases heightened and unmatched public services, sensible exchanges of stories and opinions, and trustworthy news reports. GOOD MORNING KUYA Aired October 6, 2014 at UNTV 37 For more info, visit http://www.untvweb.com/program/good-morning-kuya/
Views: 28366 UNTV News and Rescue
How to use life insurance as an investment
 
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How to use life insurance as an investment ================================== Make sure not to miss a video from Chris! Click here to subscribe: http://www.youtube.com/subscription_center?add_user=UCyNvN057XS4Afd25rQrdFuQ ============================================ https://3videos.life180.com ============================================ We live in interesting times. There have never been more options on how to "invest" your money. However, mutual funds and stock market based investments have been under performing for nearly 20 years. Yet people still flock to them - even though it means they likely will come up short with their financial goals. This video will how you how you can use Life Insurance as an alternative to your banking. Use life insurance as your safe, liquid account. Then have access to that money in case of emergency or opportunity. Use it to buy Real Estate or a business. You would need an equivalent just over 8% in a taxable investment over the same period of time. It is extremely difficult to find an investment with that level of return and tax benefit over that length of time with as little risk. ============================================== Chris Kirkpatrick "The Safe-Bet Money Guy" www.LIFE180.com Facebook: Facebook.com/life180llc Follow our LIFE180 Roadmap to Financial Success Course and learn how to structure your life like the wealthy: 3videos.LIFE180.com https://youtu.be/x4ZHCrkujbc Life Insurance as an asset
Is insurance a good investment?
 
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Original Publish Date: || Thu, 15 May 2014 06:00:45 GMT || Joining CNBC Africa for a look at investment in the insurance space is Nkareng Mpobane, portfolio manager at Ashburton Investments.
Views: 25 CNBCAfrica
Phone Insurance- Good Investment or Waste of Money?
 
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It's been a while since we've covered this topic and with Verizon promoting their Total Mobile Protection program, now seems like a good time to take another look at what you get for the money. http://bgr.com/2017/10/21/verizon-insurance-vs-applecare-costs-deductible/ https://www.verizonwireless.com/support/device-replacement-program/#lost https://www.phoneclaim.com/verizon/phone-replacement/ https://www.verizonwireless.com/smartphones/apple-iphone-6s-plus-certified-pre-owned/ https://www.droid-life.com/2017/10/19/verizon-screen-replacement-cost/ http://fortune.com/2017/02/13/smartphone-insurance-plans/ http://www.dslreports.com/shownews/Verizon-Apple-Lobby-Against-Right-to-Repair-Laws-139608
Warren Buffett: Investments, Insurance and The Economy (2017)
 
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An interview with billionaire and CEO of Berkshire Hathaway, Warren Buffett. In this interview Warren discusses his current investment portfolio and its performance in the wake of Amazon's acquisition of Whole Foods. Warren also talks insurance claims in relation to the damage of Hurricane Harvey. 📚 Books about Warren Buffett and his favourite books are located at the bottom of the description❗ Like if you enjoyed Subscribe for more:http://bit.ly/InvestorsArchive Follow us on twitter:http://bit.ly/TwitterIA Other great Stock Market Investor videos:⬇ Ray Dalio on Hedge funds, Success and Life/Work: http://bit.ly/RDVid1 Charlie Munger on Common sense and Investing:http://bit.ly/CMVid1 Billionaire James Simons: Conquering Wall Street with Mathematics:http://bit.ly/JSVidIA Video Segments: 0:00 Introduction 0:15 Why is this charity special to you? 2:01 Thoughts on Hurricane Harvey and insurance losses? 4:14 Do the uninsured/insured losses estimates make sense to you? 5:21 What exposure does berkshire have? 6:17 The problem with flood insurance? 7:12 Would you start insuring again? 7:51 Potential impact on GDP? 8:25 Does this feel like a 3% GDP economy? 9:47 How do you explain the ten year note having a yield of 2.1%? 10:37 Thoughts on Donald Trump and North Korea? 13:03 Apple shares still positive? 15:04 Still negative on IBM? 16:08 Profit on bank shares? 16:54 Wells Fargo? 17:57 Concerned about Wells Fargo? 18:40 Amazon acquisition of Whole Foods impact? 20:30 Would Kraft Heinz go after other companies? 22:05 Would you go back after Unilever? 22:25 Why have you been silent on Donald Trump? 24:10 Birthday Cake Warren Buffett Books 🇺🇸📈 (affiliate link) The Snowball: Warren Buffett and the Business of Life:http://bit.ly/TheSnowball The Essays of Warren Buffett:http://bit.ly/TheEssaysofWB Tap Dancing to Work: Warren Buffett on Practically Everything:http://bit.ly/TapDancing Warren Buffett's Favourite Books🔥 The Intelligent Investor: The Definitive Book on Value Investing:http://bit.ly/TIIBG Security Analysis: Sixth Edition:http://bit.ly/Securityanalysis Common Stocks and Uncommon Profits and Other Writings:http://bit.ly/CommonStock Interview Date: 30th August, 2017 Event: CNBC Original Image Source:http://bit.ly/WBuffettPic5 Investors Archive has videos of all the Investing/Business/Economic/Finance masters. Learn from their wisdom for free in one place. For more check out the channel. Remember to subscribe, share, comment and like! No advertising.
Views: 9923 Investors Archive
Are VULs and Investment Linked Insurance Policies Good?
 
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In this video, J3 talks about how VULs work, as well as their different types, to help you evaluate for yourself if they are good financial instruments for you. See Full Transcript: http://pinoymoneyacademy.com/are-vul-and-investment-linked-insurance-policies-good/ Music Credit: http://www.bensound.com/royalty-free-music
Views: 35049 Pinoy Money Academy
Life Insurance as an Investment - Dave Ramsey Rant
 
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Life Insurance as an Investment - Dave Ramsey Rant Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1 Visit the Dave Ramsey store today for resources to help you take control of your money! https://goo.gl/gEv6Tj Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
Views: 61842 The Dave Ramsey Show
Don’t Buy a Life Insurance Policy Until You Watch This!
 
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Thinking about buying life insurance? If you don't want to get ripped off, or make the dumb mistakes that so many people make every day with their insurance, watch this video BEFORE you buy. Take a listen to Byron - he knows his stuff - as he shares inside secrets with you that the insurance companies won’t. Once you watch this, you’ll know what you need to know in order to SAVE BIG BUCKS on your next life insurance policy. Visit our blog and learn more about how much life insurance you need and the kind of coverage that fits your life. If your thirst for knowledge extends past the common questions, peruse our blog at your leisure. Blog: http://bit.ly/2DR415l How much life insurance do you need? Learn! http://bit.ly/2DRQ9I0 3 Reasons People Put Off Buying Insurance. Know it! http://bit.ly/2DSMFVZ Prefer to read? Here's the video in words! Hi. I’m Byron Udell, Founder and CEO of AccuQuote. As one of the leading life insurance experts…with over 30 years experience in the industry…I’m here to tell you that NOT having life insurance is truthfully…one of the stupidest things on the world to do. If you DON’T have life insurance, you are leaving your loved ones open to a world of hurt. What if you suddenly died TOMORROW…how would your family get by financially? How would your SPOUSE pay for the mortgage…utilities…health care…your kids’ college tuition, etc.? Think about it. Now…do the right thing. Hey, EVERYBODY needs life insurance. It’s one of the SMARTEST things you can do for yourself...and your family. Life insurance turns pennies into dollars when your family needs it the most. Why would you NOT want to buy this product? Exactly! But before you DO buy life insurance…let's talk. First off, you have to figure out what KIND of life insurance best suits your needs. TERM LIFE INSURANCE is certainly the most affordable. A term life policy now costs about A THIRD of what it did just 20 years ago. A 35-year old male can get a half a million dollars of term life coverage for over 20 years…for less than a dollar a day. How’s THAT for a great deal? Term life insurance is typically sold in terms of 10, 15, 20, 25 and 30 years. Another great thing about a term life policy is that you can also use it as an investment tool. With a RETURN OF PREMIUM…or…ROP term life policy…you can get 100% of your premiums back...if you are alive at the end of the term. It’s like getting life insurance…with a money-back guarantee! Say you buy a $1 million policy with a 30-year term. And let’s say your premiums are $10,000 per year…depending on your age, health and other factors. At the end of the 30th year, the insurance company will pay you $300,000…tax-free! Think of the money as a new huge asset in your retirement portfolio. And if you DO die before the term, then your family will collect the $1 million death benefit. An ROP policy does cost more than a traditional term life, but it’s a better way to win the game of life insurance. Now, the downside of term life is that it only covers you for a temporary period of time. And when the term of that policy ends, the new premiums skyrocket upward dramatically. Frankly, most people…at that point…simply drop the policy. Which is GOOD for the insurance company…but BAD for you. But the ONLY way to win the game of life insurance…is to DIE with your policy in force. Meaning…your policy has to be CURRENT. Then you’ve WON. Otherwise, you’re up the creek without a paddle. But if you purchase a PERMANENT LIFE policy, you won’t have to worry about your policy ending. There’s no expiration date on this type of product. And the results are just amazing! Take a woman, AGE 43…with a $500,000 PERMANENT LIFE policy…making premiums of $2,500 a year. At age 86…43 years later…she would’ve paid $107,500 in premiums. If she died the same year at age 86…her family would receive $500,000 tax-free. That’s a net gain of $392,500! That’s a tax rate of return of over 7 percent! What OTHER investment product competes with THIS level of return? And one of the best places to buy affordable life insurance is at AccuQuote. Since 1986, we have helped hundreds of thousands of customers save over $100 billion in coverage. We work with ONLY the top-rated, name-brand life insurance companies in the industry. And we can help YOU get the life insurance you need…at a price you can afford. Just call us at the number on your screen or go to AccuQuote.com. We love to help people save money. I’m Byron Udell…and thanks for listening.
Views: 123665 AccuQuote Life Insurance
Whole Life Insurance, Endowment Policy - Investment? (Hindi)
 
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Let's compare Whole Life Insurance (Endowment Policy) as an investment vs Term Insurance Plan plus Mutual Fund. In this Hindi video, we will see whether an Endowment Plan (eg. LIC New Jeevan Anand Policy) gives better returns or Term Plan with Mutual Funds offers better returns. Life Insurance Corporation (LIC) of India offers 5-6% returns. You can get much better returns if you take a term plan and invest balance money in a Mutual Fund. Related Video: Term Insurance Plan - https://youtu.be/q7iGqIna4Ss Loan Against Insurance - https://youtu.be/90Ya8dC2Am4 क्या लाइफ इंश्योरेंस एक निवेश है? चलिए टर्म इंश्योरेंस प्लस म्यूचुअल फंड और होल लाइफ इंश्योरेंस की निवेश के रूप में तुलना करते हैं। इस वीडियो में, हम देखेंगे कि एंडॉवमेंट प्लान (उदाहरण के लिए एलआईसी नव जीवन आनंद पालिसी) बेहतर रिटर्न देता है या म्यूचुअल फंड के साथ टर्म प्लान बेहतर रिटर्न प्रदान करता है। भारत के जीवन बीमा निगम (एलआईसी) 5-6% रिटर्न प्रदान करता है। यदि आप एक टर्म प्लान लेते हैं और म्यूचुअल फंड में बैलेंस मनी निवेश करते हैं तो आप बेहतर रिटर्न प्राप्त कर सकते हैं। Share this Video: https://youtu.be/dXyQbOvP6tM Subscribe To Our Channel and Get More Property and Real Estate Tips: https://www.youtube.com/channel/UCsNxHPbaCWL1tKw2hxGQD6g If you want to become an Expert Real Estate investor, please visit our website https://assetyogi.com now and Subscribe to our newsletter. In this video, we have explained: Is life insurance as an investment good? Can you consider insurance as an investment? Should you treat insurance only as insurance cover or also as an investment? What is the best way to compare term insurance plus mutual fund and whole life insurance plan as an investment? Does an endowment plan give better returns? Is it better to get a term plan and invest the extra money in mutual funds? How to compare the returns of endowment plan and other investments while considering insurance as an investment? How to compare the benefits of LIC endowment plan and term insurance for the purpose of investment? How to compare whole insurance as an investment with mutual funds or other investment options? Where should you invest your money - insurance policy vs term insurance plus mutual fund? What is the difference between Life Insurance Corporation (LIC) of India returns and Mutual Fund or any other investment returns? Make sure to Like and Share this video. Other Great Resources AssetYogi – http://assetyogi.com/ Follow Us: Linkedin - http://www.linkedin.com/company/asset-yogi Pinterest - http://pinterest.com/assetyogi/ Facebook – https://www.facebook.com/assetyogi Google Plus – https://plus.google.com/+assetyogi-ay Instagram - http://instagram.com/assetyogi Twitter - http://twitter.com/assetyogi Hope you liked this video in Hindi on “Life Insurance as Investment”.
Views: 8805 Asset Yogi
Is Universal Life Insurance A Good Idea?
 
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In this video, Dave Ramsey talks to Cynthia in Charleston. She has an indexed universal life policy with a death benefit and wants Dave to explain if that’s a good way to go. Dave says not to keep it because of all the fees it will constantly accrue, plus the insurance is expensive. It’s hard to take those investments apart and compare them — when you get investments and insurance together, the investments do not perform as they should. If you went straight to the mutual funds, you won’t have to pay the fees that come along with insurance. Usually, the insurance side factors in ART, annual rate of return. The older you get, the more it costs to cover you. And, because its more expensive to cover you each year, less and less goes to investments in this product. What Dave recommends is Level Term, meaning you pay the same amount each month, which you can get by going https://www.daveramsey.com/recommends/term-life-insurance and shopping quotes for 10-12x your income. Once your term life policy in in place, cancel the other policy and invest the difference. Even if you have coverage at work, make sure you have some outside of work in case of a medical event that would make you uninsurable in the marketplace. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country! Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. The show live streams on YouTube M-F 2-5pm ET! You can stream it live here: https://www.youtube.com/channel/UC7eBNeDW1GQf2NJQ6G6gAxw
Views: 123093 The Dave Ramsey Show
Is indexed life insurance a good investment?
 
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http://indexedlife.net/ Get a FREE indexed life comparison report by email. Is indexed life insurance a good investment? How to build the most cash value by buying the least amount insurance. Why most life insurance policies don't make money.
Views: 92 Wealth For Life
Is whole life insurance a good investment?
 
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This is one of the most common questions people have about life insurance! Consumers get advice from their families, friends and sales agents about why whole life is better than term. Find out how to make a decision for yourself. Learn more at insuretheheroes.com
Is Life Insurance A Good Investment?
 
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Check out this new song by Swim and up and coming Music artist living in California... https://m.soundcloud.com/iamswimmusic/lo-fi-suicides Robinhood is the best way to buy stocks, ETFs and REITs you will get a FREE stock of a company you may know! Just use my link https://share.robinhood.com/jeroneg1 life insurance explained in 2 minutes ( https://youtu.be/Sh6kJq-HGgE ) Life Insurance as an investment ( https://youtu.be/fEXookeA2Ok ) term life insurance vs whole life insurance ( https://youtu.be/q6Nf0rThbFo ) The reason why I made this video is simply to get people to think hard about where they are putting their hard earned money and to hopefully investigate and understand fully their investment, retirement, and life insurance decisions so they can make a more informed decision on where their money is best allocated given their particular situation. The idea here is not to give investment and life insurance advice but rather to get people to take seriously their decisions involving anything financial. I have spent a rather unusually amount of time for a person my age thinking, learning, and reading about saving and investing for retirement, however I have unfortunately neglected Insurance cost, namely life insurance. With that said I have talked to many every day people about there views and understanding of their life insurance policy and the thought process that went in choosing that over other policies, companys, or utilization of other invesment vehicles in general. What I have found is not nearly enough thought goes into these life altering decision before they are made, and usually people get their information for the ill-informed, sells people, and even worse ill-informed people who have been informed by sells people. So what i plan to do as financial endeavors are in my top main 3 interest in life I will spend more time learning about this subject, until then i will provide some people who seem to be more knowledgeable on the subject Above this paragraph
Is Life Insurance an Investment?
 
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Life Insurance pays money to your beneficiaries, but what about you? Is Life Insurance a good investment for you while you are living? What type of living benefits does Life Insurance provide? What type of return on your money can Life Insurance offer? Offering FREE Life Insurance information, education, quotes and proposals. ------------------------------------------------------------- Click Below to SUBSCRIBE for More Videos: http://www.youtube.com/subscription_center?add_user=lifeinsurancerockstar ------------------------------------------------------------- Visit us on Facebook at https://www.facebook.com/lifeinsurancerocks ------------------------------------------------------------- Life Insurance Basics https://youtu.be/FaZBj1NBKXg Is Life Insurance a Ripoff? https://youtu.be/uVitVpJmY6A Term Life Insurance or Whole Life Insurance https://youtu.be/YKiOA-tJqlc
Is Insurance a Good Investment? : IRA & Investment Tips
 
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Subscribe Now: http://www.youtube.com/subscription_center?add_user=Ehowfinance Watch More: http://www.youtube.com/Ehowfinance Whether or not insurance is a good investment depends on a few specific things. Find out if insurance is a good investment with help from a professional public speaker and radio personality in this free video clip. Expert: Kenneth Himmler Series Description: IRAs and investing in general can be complicated topics, so if you're feeling confused or overwhelmed its always important to consult the advice of a professional. Get tips on IRA and investment topics with help from a professional public speaker and radio personality in this free video series.
Views: 468 ehowfinance
How to Use the Wise Investment Calculator - Is Life Insurance a Good Investment?
 
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http://www.InsuranceBlogByChris.com/wiseinvestmentcalculator - Is life insurance a good investment? Could I earn a better rate of return in an alternate investment. The Wise Investment calculator helps determine the interest rate you would have to earn by saving up your money to equal the payout of a life insurance policy.
Views: 451 Huntley Wealth
BAKIT DI SULIT INSURANCE VUL AS INVESTMENT - Investing Philippines
 
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Paano mag-invest? Visit: http://howtoinvestforbeginners.com/ Everything is in your hands to decide if something is a good investment or not when it comes to VUL/Insurance. Facebook: https://www.facebook.com/howtoinvestforbeginners Subscribe - http://bit.ly/2e4wTgj -Investing Philippines Thank you for watching my videos. Sincerely, Wayne #insurance #vul #investing
Views: 18176 Investing Philippines
Stewart Welch, III - Is Life Insurance a Good Investment?
 
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Stewart Welch III appearing on Fox News discussing Life Insurance as an Investment
Views: 336 The Welch Group
Safe Investing - Whole Life Insurance as an Investment - Part 1
 
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Why use whole life insurance as an investment? In our Whole Life Insurance series we will look at whole life insurance explained, as an investment tool, and why so many individuals, from the average worker saving for retirement to the wealthy running multi-million dollar corporations, are using whole life insurance as an investment tool. What makes this work so well? Whole life insurance cash value grows inside a policy with some major benefits. Competitive growth, no-loss provisions, and tax-advantages that you won't find anywhere else. It's not rocket science, and it's by no means perfect, but compared to risky investments, and other safe investment tools, whole life insurance makes one of the best investment options today. --- In this short 2 part series, I’m going to give you some thoughts and reasons why so many people use whole life as a strong foundational asset. For this video, we’re not going to talk about that in depth about the death benefit, we’ll save that for another time. Suffice it to say of the most incredible benefits, there is no better asset in the world to die with than life insurance. If designed right, it will pay out much more than you put in. The death benefit will go directly to your beneficiary, without probate, and will be income tax free. That is reason enough for many and to assure your family is protected and to pass assets to your heirs But there is so much more. You know, coming from the Wall Street side of things where I worked more with investments for 15 years, I learned for Wall Street, it’s all about putting money at risk, chasing rate of return, and often losing, and then charging fees, fees, fees. I see over the years how the game is rigged against the ordinary investor. Let me tell you one truth- Those on Wall Street are no smarter than you. The only difference they have is they have a license to sell securities. Here’s the thing though, you don’t have to have a license to be an intelligent investor. A license or a title does not make advisors investment geniuses and for the most part they have no clue either. They guess, hope, and cross their fingers too. Most advisors and their clients are not investors, they are gamblers. There is a difference - I talk about that important difference in another video – are you an investor or a gambler? There are a few tale, tale signs if your broker or advisor is an out of the box thinker or just another in the sea of advisors where you can’t tell one from the other. One tale, tale sign is if the answer they come up for your financial woes is to buy mutual funds? -------------------------------------------------------------- Please Subscribe! https://www.youtube.com/channel/UCNtQmqZlNUwzPuWmHPI_oSg?sub_confirmation=1 Visit me on the web- http://WiseMoneyTools.com/ Follow me! FB - https://www.facebook.com/wisemoneytools Twitter - https://twitter.com/wisemoneytools Google+ - https://plus.google.com/114367619155241197052 I have been involved in financial planning for over 30 years. I started out as a high volume stock broker. After working with millions of dollars I decided there had to be another way for people to earn money in the market without all the risky ups and downs that leave you where you started, or worse. After reading a ton of books I came across a book on the Infinite Banking Concept and it completely changed my life and the way I view investments. Now I focus on building wealth in safe and predictable ways, like Infinite Banking, Cash Value Life Insurance, and Indexed Annuities to name a few. I post videos regularly so if you have any questions of comments feel free to email them to... dan at wisemoneytools dot com
Views: 5439 Wise Money Tools
Should You Use Life Insurance as an Investment?
 
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Geetanjali / Panvel Q: I have following policies which I have taken for investment n insurance now after watching u regularly I understand insurance should not for investment. Plz suggest me which policy I have to surrender 1) Jeevan anand- SA- 3 lac- premium 15530/- since 2008 2) Jeevan Anand (husband)- SA-3 lac- premium 20,245/- since 2008 3) Jeevan sathi - SA- 2 lac- premium 11,415/- since 2007 4) Lic child future SA- 5 lac- premium 25,755/- since 2008 5) Jeevan money plus SA 50,000/- premium 5,000/- since 2007. I have also taken term plan of 50 lacs and in near future I will take 1 cr more. My annual income is 9 lac. Is it sufficient? Ans: All the above plans availed by you are guaranteed return savings plan. While it is good to have a few of such plans in your portfolio, overbuying is also not good. When a person invests majority of his funds in guaranteed return products, he tends to lose opportunity cost. Moreover such policies will always be below inflation rate or just about at par. One has to take some risk (in early ages) and invest in equity products so that there is a possibility of high returns in later ages. If you are not finding it difficult to pay the premiums of these plans then continue them. The plans are good and your total annual premium seems to be manageable with current income levels. Nice to know that you have taken a 50 lac term cover but you should have a cover of around 1 to 1.5 crore. So buy the 1 crore term plan immediately. In future when your income increases you will have to consider adding another term plan.
Views: 903 MyInsuranceClub
I've Been Investing $1,000 A Month Into Whole Life Insurance
 
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Learn to budget, beat debt, & build a legacy. Visit the online store today: https://goo.gl/GjPwhe Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1 Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
Views: 98941 The Dave Ramsey Show
Life Insurance with Investment for only P 1,000 a month
 
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Change for Life Success is part of I Can Change Project a progressive step by step guide on how to achieve success in life and work founded by Gigi Sunga. Visit our website http://changeforlifesuccess.com/ & Subscribe.
Views: 8194 Doc Gigi Sunga
Robert Kiyosaki LOVES Whole Life Insurance:  The Secret Tool of the Wealthy
 
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Robert Kiyosaki Loves Whole Life Insurance ================================== Make sure not to miss a video from Chris! Click here to subscribe: http://www.youtube.com/subscription_c... ========================================­==== https://life180.com ========================================­==== Robert Kiyosaki has recently come out and endorsed whole life insurance as a savings vehicle alternative to your regular bank account. Why? Because the wealthy understand the questions to ask in regards to what they want their money to do for them. Learn the four key money habits that separate people like Robert Kiyosaki, Warren Buffett, and some of the most successful people in the world from the rest of the pack. Learn how to leverage Whole Life Insurance as an asset that can change the way you deal with your personal finances. ========================================­====== Chris Kirkpatrick "The Safe-Bet Money Guy" www.LIFE180.com Facebook: Facebook.com/life180llc Follow our LIFE180 Roadmap to Financial Success Course and learn how to structure your life like the wealthy: 3videos.life180.com https://youtu.be/Um5gv3ZZY2M Robert Kiyosaki LOVES Life Insurance: The Secret Tool of the Wealthy
Life Insurance Is NOT an Investment - Dave Ramsey Rant
 
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Don’t waste money on whole life insurance. Get cheap term life insurance here, and then invest the rest! https://goo.gl/LFpCEj SUMMARY Brittany from Johnson City, TN calls into The Dave Ramsey Show to ask Dave about her life insurance policy. She currently has portfolio insurance, with both permanent whole life and term life insurance included. After going through Dave’s Financial Peace University, she learned that Dave doesn’t recommend whole life and wants to know if he agrees that she should switch to term life insurance. Dave reminds her, “Never under any circumstances use life insurance as an investment vehicle.” He advises instead to take the money you’re putting into a whole life policy and invest it in good mutual funds. When you use life insurance as an investment vehicle, you get a bad rate of return regardless of what your whole life agent quotes you. You make somewhere between 3–5% on your money rather than making 10–11% in mutual funds. Additionally, when you die with cash value life insurance, your beneficiary is only paid the face value of your policy. The cash value that you saved, that only accrued a small rate of return, is never given to your beneficiary. And you pay 20 times more for it than you would for term life insurance. Dave believes the best way to buy insurance is to go through a broker that shops around several companies and finds you the best term life insurance deal. RESOURCES Hear more of Dave explaining why term life is the only type of life insurance you should have: https://www.youtube.com/watch?v=zvs5WsfEjMY&index=1&list=PLN4yoAI6teRMyTbctjoCftKKEWIo6PRYS Learn the real truth about life insurance here: https://www.daveramsey.com/blog/the-truth-about-life-insurance Learn more about whole life vs. term life insurance: https://www.daveramsey.com/blog/term-life-vs-whole-life-insurance THE DAVE RAMSEY SHOW The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country! Watch video profiles of people just like you as they call in from Ramsey Solutions to do their debt-free scream live. The show streams live on YouTube M–F from 2–5pm ET! Watch here: https://www.youtube.com/channel/UC7eBNeDW1GQf2NJQ6G6gAxw
Views: 37173 The Dave Ramsey Show
Life Insurance Investing SULIT BA TALAGA 2?! - Investing Philippines
 
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How to analyze Life Insurance and VUL Proposals: http://howtoinvestforbeginners.com/course/5/lesson/77/analyzing-vul-insurance-proposals.html Gusto mo ba matuto mag-invest? Walang complex terms and a teacher na concern sayo na talagang maintindihan mo ang investing.Then, Sign up for upcoming Investing course: https://goo.gl/forms/Li7vr0MRUGDDgO3D3 Website: http://howtoinvestforbeginners.com/ Facebook: https://www.facebook.com/howtoinvestforbeginners Subscribe - http://bit.ly/2e4wTgj -Investing Philippines Thank you for watching my videos. Sincerely, Wayne
Views: 17531 Investing Philippines
Whole Life Insurance as an Investment (Infinite Banking)
 
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http://www.becomingyourownbank.com/ - Download our free books, videos and podcast. -Learn how life insurance can be structured to your benefit with high cash value, safety, and competitive returns. You will also see a case study with real numbers and illustrations. -Learn how to structure whole life insurance for the Infinite Banking Concept. Is whole life insurance a good investment? Read more details here: http://www.becomingyourownbank.com/is-whole-life-insurance-a-good-investment/
Views: 93085 becomingyourownbank
Should I Invest in a Whole Life Insurance Policy? | Ask a Fool
 
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This video is part of The Motley Fool's "Ask a Fool" series. Have a question about stocks, investing, a specific company, managing your money, or any other aspect of the financial world? Simply email [email protected] and we'll do our best to get it answered! ------------------------------------------------------------------------ Visit us on the web at http://www.fool.com. Subscribe to The Motley Fool's YouTube Channel: http://www.youtube.com/TheMotleyFool Inside The Motley Fool: Check out our Culture Blog! http://culture.fool.com Join our Facebook community: https://www.facebook.com/themotleyfool Follow The Motley Fool on Twitter: https://twitter.com/themotleyfool
Views: 20839 The Motley Fool
What is Investment-linked Insurance and how does it work?
 
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Fund types, projected investment returns and types of risks. If you’re clueless on what investment-linked insurance is like Bob here, then we’re here to help you make your money work for you. Enjoy the best of staying safe and protected with Zurich. Website: http://www.zurich.com.my/ Facebook: https://www.facebook.com/ZurichInsuranceMalaysia
Views: 12958 Zurich Malaysia
Money Guru: Know why experts recommend investment in ULIP over other insurance products ?
 
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This segment of Zee Business called Money Guru is a discussion show, here experts discuss a particular topic related to share market. Today the topic of discussion is volatality in insurance. Watch full video to know more! About Zee Business -------------------------- Zee Business is one of the leading and fastest growing Hindi business news channels in India. Live coverage of Indian markets - Sensex & Nifty -------------------------------------------------------------- You can also visit us at: https://goo.gl/sXWpTF Like us on Facebook: https://goo.gl/OMJgrn Follow us on Twitter: https://goo.gl/OjOzpB Subscribe to our other network channels: Zee News: https://goo.gl/XBvkjZ
Views: 30301 ZeeBusiness
Are Classic Cars A Good Investment? - Insurance Navy Auto Insurance
 
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Are classic cars a hot investment? Although classic cars have risen in value over the last 30 years, investing in a classic motor is not a guaranteed way to earn money. Classic car market The antique auto market is constantly up and down. The biggest problem with investing in classic cars is that not all classics have the same value. Some cars increase in value much faster and at a bigger rate than others. Rare models and models associated with big movies and celebrities are worth more but are hard to come by. Compared to other types of investment, classic cars also require special storage and other costs of ownership including insurance and maintenance. Classic car expenses If you are buying an antique car as an investment, keep in mind the expenses associated with upkeeping the car. Sometimes, routine maintenance on classic cars may be more work than a car enthusiast may be able to handle and may require professional services. If you buy an older car that needs to be repaired, restoration and repairs could cost thousands of dollars and take a couple of years to complete. Routine upkeep itself is also a big expense. Replacement parts for older classics are also hard to find and expensive. The more valuable a classic car is, the higher its insurance premiums will be.  Taking into consideration all the expenses, including money for restoration, maintenance, repairs and storage, a classic may take years to make you a profit if it does at all. Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy Auto Insurance location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week. https://www.insurancenavy.com
Life Insurance Investing: Sulit Ba? - Investing Philippines
 
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Matuto mag-invest. wag magpa-sales talk: https://www.howtoinvestforbeginners.com/ Bakit di sulit life insurance VUL as Investment: https://youtu.be/BtMpDeAXhnk Life Insurance Investing Sulit ba Talaga Part 2: https://youtu.be/1Kfun-M9L2g Tama ba maginvest sa life insurance? Paano maginvest sa life insurance? -pinoytamadinvestor
Views: 64654 Investing Philippines
Anong dapat unahin, LIFE INSURANCE OR INVESTMENT?
 
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Change for Life Success is part of I Can Change Project a progressive step by step guide on how to achieve success in life and work founded by Gigi Sunga. Visit our website http://changeforlifesuccess.com/ & Subscribe.
Views: 3931 Doc Gigi Sunga
Why Life Insurance Over 50 is a Good Investment
 
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http://www.lifenetinsurance.com For most purchases of life insurance over 50 investment opportunity is not the primary goal. However, it is a bonus side benefit. Listen to this short video and learn why life insurance over 50 is a good investment today. LifeNet Insurance Solutions 11505 Eastridge Drive NE #420 Redmond, WA 98053-5758 P: (800) 698-7033 F: (866) 250-3070 [email protected] Get Your FREE No-Obligation Instant Quote Today! http://www.lifenetinsurance.com/term-life-insurance-calculator/ Video Transcript: Hi. This is Lenny Robbins at LifeNet Insurance Solutions, and today I'd like to talk about purchasing life insurance at 50 years old. One of the things that I think is interesting is to look at coverage at 50 and see what you're buying aside from simply protection for your family. What I did was look at a 50-year-old, preferred non-tobacco user and current premiums for a guaranteed premium universal life policy. It's a long term for basically a policy that has a fixed premium as long as you live and a fixed death benefit. I looked at that in terms of an investment and what that might mean to your family. Now, the average life expectancy of an American is 78.5 years old. Let's look at, for example, a 30 year term, which would run about $100 a month for a preferred non-tobacco and about $200 a month for a guaranteed premium permanent policy. Well, in order for you to amass a quarter of a million dollars at $200 a month, which is what the premium would be at that preferred level, you would have to learn almost 7% a year on an after tax basis. Today there really is nothing that comes close to that and would provide for your beneficiary from the date of the policy, let alone during that 30 year period. So one of things that you might want to consider when you think insurance is expensive at 50 years old or older is what you're really purchasing in terms of buying power for your beneficiary at some point in the future. Something to think about when you're looking at coverage and how much coverage is necessary. This is Lenny Robbins at LifeNet Insurance Solutions, and I want to thank you for watching.
Should You Cancel Your VUL or Variable Life Insurance Plan?
 
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Have you invested in a VUL, only to find out it's not recommended for your current financial situation? In this video, learn how to evaluate whether you should cancel the plan, or if you're better off keeping it. Full Transcript Available At: http://pinoymoneyacademy.com/should-you-cancel-your-vul-or-variable-life-plan/ --- Check out these other VUL & insurance related topics: Are VULs and Investment Linked Insurance Policies Good? http://pinoymoneyacademy.com/are-vul-and-investment-linked-insurance-policies-good/ Insurance or Investment? https://www.youtube.com/watch?v=5ebRIgwy1iI --- Written and Voiced by: J3 Patino Produced & Animated by: Luis Medina Music: Purple Planet and Bensound
Views: 7318 Pinoy Money Academy
Universal Life Insurance Explained - Good or Bad
 
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This short video discusses Universal Life insurance policies, including Indexed ULs. You'll understand the basics on how they work, why they sometimes fail, and what to consider BEFORE buying a new one or CANCELLING an old policy. See our video on fixing the situation: https://youtu.be/vzmBLJIqbHY What is a Universal Life Policy? Why do Universal Life Policies Fail? How to learn more about an existing life insurance policy? How does cash value work in a universal life policy? What is my Universal Life policy lapsing? What is difference between Term, Whole Life, and Universal Life? Financial advice provided to people in the Tampa, Clearwater Florida area.
Should I Buy Term Life Insurance and Invest the Difference?
 
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If you're wondering "Would buying term life insurance instead of buying more expensive permanent insurance, then invest the difference be a better investment?" Listen to Byron as he runs the numbers for you. If your thirst for knowledge extends past the common questions, peruse our blog at your leisure. Blog: http://bit.ly/2DR415l Prefer to read? Read the video below: I think it’s important to clearly define what we’re actually comparing. Let’s start with Term. TERM life insurance, by definition, is temporary insurance. It’s typically sold as 10, 15, 20, 25, or 30 year level terms, meaning that, for instance, a 10-year term has ten years of level premiums, before the rate jumps dramatically in year 11 and goes up from there. 20-year terms have 20 years of level premiums, and so on. With level term, when the term period expires, the rate jumps so much (sometimes, to as much as 10-20 times the level premium you HAD been paying) that most people simply cancel their policy. Now that begs the question: "What do you do at that point if you still need or want to maintain the coverage?" If your health is good, you may be able to buy another term policy, but if your health isn’t good, you may not. As we get older, we typically don’t get healthier. So there’s obviously no guarantee that a new term plan will even be available for you down the road when you reach the end of a level term plan’s level term. Permanent life insurance, unlike term, is NOT temporary coverage. It's designed to last a lifetime. It certainly costs more. The premiums are usually designed to remain level for your entire life, and if it’s done right, and you pay your premiums each year, it’ll remain in force until you die…assuring that your family will receive the death benefit! Now, here’s the biggest secret of the life insurance industry. If you want to win the game of life insurance. Pay close attention to the following six words: DIE WITH YOUR POLICY IN FORCE. So assuming you die when you’re supposed to, around your life expectancy, in order to have your life insurance in force, you have to own a policy that cannot be canceled by the insurance company before you die, won’t EXPIRE before you die, and that has a predictable, affordable, level premium that can never be raised by the insurance company in order to force you out before you die. So getting back to whether it makes sense to buy TERM and invest the difference…let’s do the math. The numbers will tell the story. For our comparison, let’s use two of the most popular product categories…20-year term and Guaranteed No-lapse Universal Life Our example assumes a 45-year old male in excellent health, with a life expectancy of around 86, or 41 more years. The cost for a 20-year term life policy with a $500,000 death benefit is $600 a year. Universal Life with a lifetime guaranteed level premium, same death benefit costs $3,700 a year. If we invest that difference at say 4% after tax (which is equivalent to earning about a 6-7 percent pre-tax return. At the end of 20 years, the value of that side fund would be $96,000. Then what? You’re now 65 and probably not independently wealthy. If you had the term insurance, and that side fund of $96,000, you might think well, let’s just get another 20-year term. To replace that $500,000 of coverage with a new 20-year term, would cost you about $14,000 annually. Of course, your $96,000 side fund would cover the cost of the first 7 years of that policy, but then you’re back to having to pay out of pocket...$14,000 a year. And even so, that policy will last exactly another 20 years, bringing you to age 85. Now, let’s say you live to age 86, your coverage will have expired at age 85. And trust me, if you try to replace it at that age, you’ll be so shocked at the price you might have a stroke right then and there. Forget about it. You’re gonna die without life insurance. No one will get the $500,000. And you will have paid $600 a year for the first 20 years (that’s 12,000), plus $14,000 a year for the next 20 years...that’s $280,000 (for a total of $292,000) for 40 years of term insurance. So you end up collecting nothing. Now on the other hand, on Day One, if you had bought a Permanent Universal Life policy, with the guaranteed premium of just $3,700 a year (through age 85), you would have paid just $148,000 (plus another $3,700 for age 86), you’d be all in for $151,700. Then…you die. But your spouse, or children, or grandchildren collect $500,000...Income Tax-Free! There’s no question that term insurance serves a valuable purpose and solves the problem temporarily…but not permanently. And there’s a good reason that term insurance policies are cheap. Statistically, only 1.5% of them actually end up paying a death benefit because they lapse or expire before you die.
Is whole life insurance worth it?
 
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One of the biggest questions we hear from our customers is, “What is the difference between whole life insurance and term life insurance?” Depending on where you look and who you talk to, you may believe that whole life insurance is right for you. In fact, you may have been sold a whole life insurance policy already! But here’s the deal: there are a lot of cons to whole life insurance that agents gloss over, and there’s a good chance that you’d be better off with a term life insurance policy instead. In fact, whole life insurance has several outspoken critics. Dave Ramsey calls whole life insurance “one of the worst financial products available.” Suze Orman put buying whole life on her list of “Forever Nevers.” Clark Howard describes whole life insurance as a “formula for failure.” Brian Grimes, CFP®, Senior Client Services Manager at PolicyGenius and life insurance expert, answers the most common questions people ask about whole life insurance and gives you real, actionable shopping advice in this comprehensive video. Some of the things Brian covers: How does whole life insurance work? What is the cash value component of a whole life insurance policy and how does it work? Pros of whole life insurance: 1) Forced savings 2) No market exposure 3) Guaranteed returns 4) Dividend flexibility Cons of whole life insurance: 1) Fees 2) Decreasing dividends 3) Expensive 4) Surrender charges
Views: 19049 Policygenius
ULIPS: A Story Of Good "Investment" Product, Unfairly Judged For Its Insurance Capabilities
 
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The debate over the utility and effectiveness of Unit Linked Investment Plans (Ulip) as an efficient insurance product, which also provides returns, has been raging on recently, ever since its 4G version came into the market early last year. About CNBC-TV18: India's leading business news channel, CNBC-TV18 offers the most comprehensive coverage of businesses, the economy and the financial markets. Catch all your favourite shows, exclusive videos, big-ticket interviews and more here. You can also connect with CNBC-TV18 News Online Catch the latest news: http://www.cnbctv18.com/ Follow CNBC-TV18 round the clock: https://www.cnbctv18.com/live-tv/ Stay updated with all the market action: https://www.cnbctv18.com/market/stocks/live-blog Follow experts on the most vital topics: https://www.cnbctv18.com/expert-views/ Subscribe to our daily newsletter: https://www.cnbctv18.com/newsletter/ Subscribe to our Channel: https://goo.gl/hKwgtm Like us on Facebook: https://www.facebook.com/cnbctv18india/ Follow us on Twitter: https://twitter.com/CNBCTV18News
Views: 267 CNBC-TV18
Should I Buy Whole Life Insurance?  - Whole Life Vs Term - Is Whole Life Insurance Bad or Good?
 
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Should I buy whole life insurance or term insurance? Well that's an odd question. Why? Because when it comes to whole life vs term insurance there really isn't one standard answer. In many cases term insurance is necessary to cover yourself while you are young and while it is cheap. However, does that make whole life insurance bad? Not at all. By planning things out correctly we can have whole life insurance that is properly setup to pay for itself in our older retirement years. This way we have the cheap coverage when we need it and still guarantee our heirs money when we die. You will have a claim, the question is merely when. In this video we go over whole life insurance explained next to term insurance and why owning your whole life policy, in the long run, is a much better option than only buying term insurance. By utilizing a high cash value whole life insurance policy we can take it another step further and ensure ourselves a whole life policy with cash value that can grow and still provide us with the insurance we can use when we die. Whole life insurance retirement income can be great for any family. The living benefits life insurance can offer are very helpful and make the growth and tax benefits of whole life insurance even better. Let's look at why whole life insurance is such a great asset, and why the wealthy continue to buy more and more as they make more money, not less. -------------------------------------------------------------- Please Subscribe! https://www.youtube.com/channel/UCNtQmqZlNUwzPuWmHPI_oSg?sub_confirmation=1 Visit me on the web- http://WiseMoneyTools.com/ Follow me! FB - https://www.facebook.com/wisemoneytools Twitter - https://twitter.com/wisemoneytools Google+ - https://plus.google.com/114367619155241197052 I have been involved in financial planning for over 30 years. I started out as a high volume stock broker. After working with millions of dollars I decided there had to be another way for people to earn money in the market without all the risky ups and downs that leave you where you started, or worse. After reading a ton of books I came across a book on the Infinite Banking Concept and it completely changed my life and the way I view investments. Now I focus on building wealth in safe and predictable ways, like Infinite Banking, Cash Value Life Insurance, and Indexed Annuities to name a few. I post videos regularly so if you have any questions of comments feel free to email them to... dan at wisemoneytools dot com
Views: 43254 Wise Money Tools
Life Insurance plus Investment/ Saving insurance plan
 
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In the market, there are different types of insurance plans that offer you benefits of investment product while giving the protection of life insurance. Some work as saving instrument too. There is life insurance moneyback policy, life insurance endowment policy, retirement insurance policy, children insurance policy, etc. However, you need to know which insurance policy to buy according to your requirement. This Bwealthy video gives you a clear understanding on how to choose the most suitable investment plan as per your situation and goals. Whether its life insurance investment plans, children insurance plan, or insurance policy retirement - Swati helps you simplify your investment decision as per your needs. Whether you are a beginner or an experienced investor, before you plan to pick any insurance endowment policy, moneyback policy, insurance children plan, retirement plan insurance, insurance with saving plan or investment plus insurance plan etc; we suggest you get a clear strategy about what you want from your insurance scheme. Simply subscribe to our video prior to investing and learn how to become rich and successful in life. Contact us on [email protected] for comments and questions. Subscribe to Bwealthy Channel now: http://bit.ly/Subscribe-Bwealthy
Views: 5737 B Wealthy
INVESTMENT TIPS: Kailangan pa ba Ipagpatuloy ang Pagbabayad ng Insurance?
 
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ORDER MY BOOKS: A. MY IPON DIARY (New!) Per piece: https://shop.chinkeetan.com/product/my-ipon-diary/ Bulk: chinkeetan.com/ipon DIARY OF A PULUBI (Best selling book!) Per piece: http://shop.chinkeetan.com/product/diary-of-a-pulubi/ Bulk: https://chinkeetan-academy.lpages.co/diary-of-a-pulubi-bulk-orders/ ========================= CHINKEE TAN, Your Wealth Coach (Philippines) SHARE THIS VIDEO: https://youtu.be/VdbLI0FNPbg Know what it's like to live a wealthy and comfortable life. How? A. SUBSCRIBE to my channel: https://www.youtube.com/ChinkPositive B. WATCH MY YOUTUBE PLAYLIST (Updated Every other day!) https://www.youtube.com/playlist?list=PLMjKNhiK3DLAERJ2NmxQgvG6Rb4P0d0BS C. INVITE ME TO SPEAK: http://chinkeetan.com/change-your-financial-life/ or call 09173141231 D. SHOP NOW: - BOOKS: https://chinkeetan.com/product-category/book/ - EBOOK: https://chinkeetan.com/ebooks/ - 1 MONEYKIT + 8 BOOKS https://chinkeetan-academy.lpages.co/moneykit-buy-one-take-one/ -DIARY OF A PULUBI (NEW BOOK): https://chinkeetan-academy.lpages.co/diary-of-a-pulubi/ E. READ MY DAILY BLOGS: https://chinkeetan.com/life-wealth-blog/ F. LET'S CONNECT -Facebook: https://www.facebook.com/chinkeetan -Instagram: https://www.instagram.com/chinkeetan -Viber Community: https://chats.viber.com/chinkeetan ======================= HOW TO ORDER: 1. ONLINE PAYMENT (Credit Card, Debit Card, PayMaya) 2. VIA BDO Name: C-Tech Trading Account #: 7200017113 Write your name and the work "DP." on the Deposit Slip. 3. PALAWAN EXPRESS Receiver: Ferdinand Tan Contact number: 09770867338 ========================= INSTRUCTIONS: Send deposit slip/ proof of payment to [email protected] along with the following details: Name Email Contact Number Product you want to purchase Shipping address
Views: 7342 Chink Positive
#6 Part 2 - Should I invest in an investment-linked insurance plan?
 
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Are investment-linked insurance policies or savings plans offered by insurance companies the best solution to save for long term financial goals? Yap sets the record straight. About Yap’s Money Life Show Yap’s Money Life Show is the first online personal money show in Malaysia, which dares to broach on money topics that traditional media do not cover or deemed to be too sensitive to feature. Each week Yap shares his experience and worldview of the latest happenings in the financial world, highlights potential obstacles that may be stumbling blocks to a person's financial freedom and provides invaluable advice to his viewers. In addition, Yap would also be taking and answering questions posted by fellow viewers. So ask him anything! An experienced holistic wealth management practitioner, Yap aspires to guide and help more people invest grow their money with high certainty. Yap’s Money Life Show airs every Saturday at 10 am. About Yap Ming Hui Yap Ming Hui is a bestselling author, TV personality, columnist and coach. He heads Whitman, a holistic wealth management company which has helped people to grow their money with high certainty since 2000. For more information, please visit his website at www.whitman.com.my Connect with Yap: WhatsApp : 011-3400-4658 Email : [email protected] Like Yap on FACEBOOK: http://bit.ly/2rkRNtF Follow Yap on TWITTER: http://bit.ly/2riF4cw Subscribe to Yap’s YOUTUBE channel: https://www.youtube.com/channel/UCv6jzNpPeNPf3herGmiP1xA If you do not wish to miss any of our videos, please enable us to notify you our latest episode. Click subscribe – click the bell – tick the box to receive notifications
Views: 2264 Yap's Money Life Show
Types Of Life Insurance Explained
 
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There are many different kinds of life insurance. Term Life, Whole Life, and Universal Life are just three of the most basic kinds. Check out life insurance expert Byron Udell break down the main three different types of life insurance. Visit our blog and learn more about how much life insurance you need and the kind of coverage that fits your life. If your thirst for knowledge extends past the common questions, peruse our blog at your leisure. Blog: http://bit.ly/2DR415l How much life insurance do you need? Learn! http://bit.ly/2DRQ9I0 3 Reasons People Put Off Buying Insurance. Know it! http://bit.ly/2DSMFVZ Read the Video! Hi. I’m Byron Udell, Founder and CEO of AccuQuote. Since 1986, we’ve helped millions of people save money on their life insurance. When you boil it down, there are really only two kinds of life insurance: “Temporary” coverage, which is called “Term Insurance”…and “Permanent Insurance.” Both Term and Permanent life insurance come in various shapes and flavors to satisfy different needs. Permanent insurance is designed to provide coverage for as long as you live. If your needs are long-term, like estate planning or final expenses, or if you just want to leave a bigger legacy, no matter when you die, permanent life insurance is probably the way to go. There are lots of different kinds of permanent insurance, but the two primary categories are…whole life and universal life. And I’ll come back to these in a minute. Term life insurance is, by definition, “temporary” insurance. It’s designed to provide coverage for a limited period of time, typically 10, 20 or 30 years. Term policies are simple and extremely inexpensive. In most cases, your cost each year is guaranteed to remain level for whatever the term is. Again, typically 10, 20 or 30 years. After the term is over, make sure you’re sitting down when you receive your premium notice, because your rates are going to jump up dramatically. Sometimes by a factor of as much as 10 or more. But some of these policies have a built-in conversion option that’ll allow you trade in your term coverage for a shiny new permanent policy. Term life makes sense if you know when you’re going to be financially independent or if you’re sure there’s some date down the road where no one will be depending on you anymore financially. Like when your kids are all grown up and your mortgage is all paid off. Term is also good when you’re younger and your biggest concern is getting the protection in place and keeping your costs down. If you’re a non-smoker in your 30s and healthy, you can buy a 20-year, $250,000 term policy for less than $20 a month. Sounds too good to be true? Well, it’s 100% true. Now back to Permanent Life Insurance. Whole Life and Universal Life insurance are more expensive than Term, but let’s look at what you’re getting for the money. Unlike term insurance, permanent insurance in generally designed to last forever. You can’t outlive a permanent life insurance policy. With most permanent policies, as long as you pay your premiums on time, your family is guaranteed to receive the death benefit…no matter when you die. Whether that’s tomorrow or 50 years from now. Unlike term insurance, permanent insurance policies can also build cash surrender values, which can be accessed at any time, for any reason. You can set up your premiums to be level of life…guaranteed. You won’t have to worry about premiums going up when you get older and forcing you to drop the policy. Nor will you have to worry about being healthy enough in the future to have to requalify or replace the coverage. If you like, you can also arrange to pay for the policy over a shorter period of time, say 10 years, so after that, you own the coverage…and no further premiums are due for the rest of your life. Universal Life Insurance, one kind of permanent life insurance, offers a certain amount of built-in flexibility. You have the ability to change your premiums and death benefits to keep pace with changes in your life. Whole Life Insurance is what I refer to as the “Rolls Royce” of life insurance. Whole life costs more than all the other types of life insurance we’ve discussed, but it does more. Over time, these policies develop significant cash value that are guaranteed and can be accessed at any time. Regardless of what happens in the economy, each year, the cash values grow…guaranteed.
Views: 254439 AccuQuote Life Insurance
Why Are Wealthy People Buying So Much Life Insurance?
 
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The "Rich" theoretically don't need it, right? Yet they are the biggest buyers of life insurance. Do they know something you don't? Maybe. One thing's for sure...they're usually pretty good at math! Visit our blog and learn more about how much life insurance you need and the kind of coverage that fits your life. If your thirst for knowledge extends past the common questions, peruse our blog at your leisure. Blog: http://bit.ly/2DR415l How much life insurance do you need? Learn! http://bit.ly/2DRQ9I0 3 Reasons People Put Off Buying Insurance. Know it! http://bit.ly/2DSMFVZ Prefer to read? Let your eyes do the walking! Here’s a question I get asked all the time: Why do so many wealthy people buy large amounts of life insurance when they clearly, or at least ostensibly, don’t need it? The answer is simple: Wealthy people are usually pretty good at math. They’ve crunched the numbers and figured out that if they just make sure to hold onto their policy until they die, the rate of return on their premiums, at death, will be higher than any other safe, conservative investment they could make. In fact, it’ll even beat many of their more risky investments, without having to take the risk. To them, it’s just another asset class. Let’s face it, every investment advisor or money manager on the planet always recommends diversification. As we all know, that means not putting all your eggs in one basket. You might own some stocks, but not all one stock. And not just stocks, but some bonds too. Perhaps some real estate, precious metals, commodities, maybe even some cash. And if it’s all done perfectly, given enough time, theoretically, by diversifying, your returns should be steadier… and given enough time, all should be fine in the long run. But what if you die earlier than you plan to? No one expects that to happen and we don’t want to think about it, but it happens to people every day. TIME then is a key component to the success of any financial plan. Investments need time…to grow. Your portfolio is probably diversified to protect against a whole raft of risks, many of which will never come to pass. For example, some of us own gold as a hedge against a currency devaluation, which may or may not happen. But remember, death too… is a risk to your portfolio… and your plan for your family… but unlike the other risks, death is a certainty. Doesn’t it make sense to diversify your portfolio against the possibility that you might die early? I call this TIME diversification. The fact is, if you die young, there is simply NO asset class that’ll even come close to outperforming a life insurance policy. And, if you die when you’re supposed to, right around your life expectancy, the rate of return is still around 6% after tax, that’s an 8-12% pre-tax equivalent depending your tax bracket, which beats virtually every other safe investment on the planet. The best part is that unlike any other type of financial instrument, life insurance doesn’t need time to grow. For example, say you’re age 55, and you buy a $1,000,000 life insurance policy for $10,000 a year. If you die next year, the $10,000 instantly turns into 1 Million dollars. Die in 3 years, $30,000 in premiums will have turned into 1 Million dollars, tax free. Die in 20 years, and you will have turned $200,000 in premiums into $1,000,000. In fact, it’s almost impossible to fathom a scenario where you could live too long, and turn it into a bad deal. So that begs the question…. should you consider taking a small slice of your portfolio and diversifying it into life insurance, as an asset class? That’s up to you … but I know I did! If you have any questions, or want to see the specific numbers in your case, so you’ll know exactly how this works, give us a call at the number on your screen. I’m Byron Udell, Founder and CEO of AccuQuote, and you can ask for me personally. Or you can go to AccuQuote.com to learn more.
Indexed Universal Life Insurance Disaster Case Study - IUL Illustration Risk - IUL Pros and Cons
 
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Indexed Universal Life insurance has some potential risks that people are not aware of. I'm not even sure that the agents who sell this product know. This is the story of an unfortunate client of mine who had an IUL illustration given to him that looked amazing. He rode it out for a few years until he came to me, distraught, after losing a lot of money, and we dove deeper into the iul illustration. The risks associated with Indexed Universal Life cause them to be disastrous. You cannot have losing years in an IUL or you probably will never recover. We could look at IUL pros and cons but in the end IULs have very few pros and a lot of cons. Fees eat it up in the first years and the insurance eats it up in the later. It's really not a very good situation for anyone to invest in. This is not investment life insurance. Whole life insurance may seem similar, but it is vastly different. IULs offer none of the protections, guarantees, or, in the end when all is said and done, growth possibilities that whole life can offer. "Another IUL Disaster Hi this is Dan Thompson I think you’ll find this video interesting if you’ve ever considered a Indexed Universal Life policy – or IUL, or maybe you even have one. I got an email from a person concerned about their IUL, so we got on a call together and he proceeded to tell me the story. It was another IUL disaster. Let me back up and say I actually like indexed investment vehicles such as the indexed annuity. However the IUL has some issues with it that are hard to overcome, as you’ll see. So here’s guy about 45 years old. He’s a medical professional and does very well. Back in 2009 he was convinced that an IUL would be a good asset to have. The illustrations depicted some crazy good results. I mean the lure of those numbers has to be tempting. Couple that with the safety net of never losing money to market declines and you think you really have a winner. The problem is he nor in this case, the agent, who sold it to him had any idea how they worked and what has to happen for that illustration to be even close to accurate. The first glaring problem is that illustration used a hypothetical return of 10% per year. I’m telling you right now if you are looking at an illustration at 10% per year or even 8 or 9% – RUN and RUN as fast as you can! That is simply a fairy tale and it’s not going to happen. You see an IUL illustration carries with it so much speculation. They may show a return of say 6%, which you think sounds reasonable, but here is what has to happen. It can’t AVERAGE 6%, it has to Actually get 6% every year, year in and year out, never missing a year without fail to get to the results as the illustration shows. Do you think that will happen? It never has happened and after watching the market for 30 years, I’m guessing it never will, especially when you are looking at an illustration period of 20 to 30 years out. Every year that the IUL doesn’t get 6%, it’s going backwards from the illustration. We have more on that as we dissect the IUL in our video – the IUL and VUL Implosion. We also have a shorter video why the IUL will fail too, so be sure to check those out. Back to our IUL disaster. This is what really blew me away and why these illustrations are nothing more than a piece of paper with some numbers on it. ... ----------------------- Universal life insurance, variable universal life insurance, or indexed universal life insurance, they all have the same problems. Indexed seems to be the most sturdy for financial investments and it is not sturdy at all. Variable universal adds more risk. Although this video applies specifically to the Indexed product, much of the same arguments can be made for the others. However, the Indexed product is what most insurance investment type agents recommend. -------------------------------------------------------------- Please Subscribe! https://www.youtube.com/channel/UCNtQmqZlNUwzPuWmHPI_oSg?sub_confirmation=1 Visit me on the web- http://WiseMoneyTools.com/ Follow me! FB - https://www.facebook.com/wisemoneytools Twitter - https://twitter.com/wisemoneytools Google+ - https://plus.google.com/114367619155241197052 I have been involved in financial planning for over 30 years. I started out as a high volume stock broker. After working with millions of dollars I decided there had to be another way for people to earn money in the market without all the risky ups and downs that leave you where you started, or worse. After reading a ton of books I came across a book on the Infinite Banking Concept and it completely changed my life and the way I view investments. Now I focus on building wealth in safe and predictable ways, like Infinite Banking, Cash Value Life Insurance, and Indexed Annuities to name a few. I post videos regularly so if you have any questions of comments feel free to email them to... dan at wisemoneytools dot com
Views: 28000 Wise Money Tools
VUL Insurance Plan (Retirement, Savings, Investment, Education Fund)
 
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For Free Financial Consultation you can SMS/VIBER us at: 0917-983-7951 Visit our website for more information: http://smartfinancialplanning.info/ Like us on Facebook: https://www.facebook.com/smartfinancialplanning/ Follow us on Instagram: https://www.instagram.com/smartfinancialplanning/
Suze Orman Says Whole Life Insurance is Good?
 
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Feel free to watch the entire video, but you can skip through to 1:48 for the juicy part. I can't believe how she gushes over life insurance.
Views: 63282 Abby McFuente
How much Term Life Insurance Cover do we need?
 
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How much term insurance or life insurance cover do we need? Term insurance plan is the simplest form of insurance that gives only death benefit and no investment benefit. On the other hand whole life insurance or endowment policy clubs insurance with investment. Which ever insurance policy you take, you have to calculate the insurance cover first. In this video, we cover just that. Related Videos: Term Insurance - https://youtu.be/q7iGqIna4Ss Insurance as Investment - https://youtu.be/dXyQbOvP6tM Share this Video: https://youtu.be/CI1SPKyslZc हमें कितना टर्म इंश्योरेंस या लाइफ इंश्योरेंस कवर लेना चाहिए? टर्म इंश्योरेंस प्लान इंश्योरेंस का सबसे सरल रूप है जो डेथ बेनिफिट्स देता है लेकिन कोई इन्वेस्टमेंट बेनिफिट्स नहीं देता। दूसरी तरफ होल लाइफ इंश्योरेंस या एंडोमेंट पालिसी जिसमे इंश्योरेंस के साथ इन्वेस्टमेंट भी शामिल होता है। आप कोई भी बीमा पॉलिसी लें, आपको पहले इंश्योरेंस कवर की गणना करनी चाहिए। इस वीडियो में, हम इसे कवर करते हैं। Subscribe To Our Channel and Get More Finance Tips: https://www.youtube.com/channel/UCsNxHPbaCWL1tKw2hxGQD6g To access more learning resources on finance, check out www.assetyogi.com In this video, we have explained: How to calculate the amount of life insurance cover you require? How to compare life insurance policy and endowment policy? Is insurance policy good as an investment option? Which type of insurance policy should you go for - term insurance policy or whole life insurance policy? How to know the worth of insurance policy we need based on income, assets, liabilities, and financial goals? Which thumb rules should you follow while investing in LIC policy or any other life insurance plan? What are the things you should keep in mind before investing in an insurance plan? It can be tricky to understand and decide how much insurance cover we need and whether an insurance policy is a good investment option also. Despite being an investment option most of the insurance policy or life insurance plans don't provide us with enough returns as an investment. Many insurance policies from life insurance corporation of India and SBI life provides us with investment benefits as well as death benefits but we should consider all the other investment options before making a decision. Make sure to Like and Share this video. Other Great Resources AssetYogi – http://assetyogi.com/ Follow Us: Pinterest - http://pinterest.com/assetyogi/ Linkedin - http://www.linkedin.com/company/asset-yogi Instagram - http://instagram.com/assetyogi Google Plus – https://plus.google.com/+assetyogi-ay Facebook – https://www.facebook.com/assetyogi Twitter - http://twitter.com/assetyogi Hope you liked this video about “How much Term Life Insurance Cover do we need”.
Views: 16431 Asset Yogi

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