What Is Whole Life Insurance — and Is It Worth It?
July 9, 2026
Whole life insurance has a complicated reputation. It costs more than term. A quick search turns up plenty of opinions calling it a bad deal, a relic, or worse. Somewhere […]
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What Is a Nonqualified Annuity — and How Is It Taxed?
July 7, 2026
The moment “annuity” and “taxes” show up in the same sentence, a certain kind of dread tends to kick in. It doesn’t need to. The tax treatment of a nonqualified […]
New eApp Delivers Faster, Simpler, and More Convenient Digital Experience for Agents and Clients
June 30, 2026
SCHAUMBURG, IL – 1891 Financial Life is pleased to announce the official launch of its new Electronic Application (eApp) platform for their annuity products, marking another step forward in the […]
How a Single Premium Immediate Annuity Can Turn Retirement Savings Into Lifetime Income
June 30, 2026
You’ve spent decades building your precious nest egg — but eventually, the day will come when you need to crack it open. It can be hard to “flip the switch” […]
Is a Fixed Indexed Annuity a Good Fit for Your Retirement Plan?
June 25, 2026
Summer means longer, warmer days, a slower pace, and an ideal time to take a break from your day-to-day to think about the bigger picture of your life. Specifically, is […]
What Is Lifetime Protection Insurance?
June 23, 2026
Summer is the season of major life milestones — from graduations and weddings to new jobs and home purchases. Turning points like these often serve as ideal times to consider […]
What Is a Multi-Year Guaranteed Annuity, and Is It Right for You?
June 18, 2026
As the year reaches its halfway point, June offers a natural opportunity to review your retirement plan and make any needed adjustments. If market uncertainty has you looking for a […]
Why Fathers Overlook Life Insurance (and What It Costs Their Families)
June 16, 2026
It’s Father’s Day, which means it’s a good time for dads everywhere to reflect on the most important financial decisions they’ll ever make for their family. For millions of dads, […]
What Happens to Your Annuity When You Die?
June 11, 2026
When families gather for summer cookouts and s’mores, that togetherness can spark important conversations about the future. One topic that tends to come up is: What happens to your annuity […]
How Much Life Insurance Do You Actually Need?
June 9, 2026
June brings many things: the arrival of summer. Kids home from school. That vacation you’ve been thinking about all year. But the month also occupies that slower midyear space between […]
Can a Roth Annuity Reduce Retirement Taxes?
May 28, 2026
Many of us spend decades saving for retirement without ever thinking about how those savings will be taxed once it’s time to start using them. Then retirement arrives — and […]
What Is a Non-Qualified Annuity Timeline?
May 26, 2026
For many, the term “non-qualified annuity” sounds like complicated financial jargon. The concept makes more sense once you look at it through the lens of time rather than a simple […]
When Does Single Premium Whole Life Work Best?
May 21, 2026
What if you could have life insurance without having to pay a monthly bill? With single premium whole life, you can. A single payment upfront locks in permanent coverage for […]
When Does Term Life Insurance End?
May 19, 2026
Most people who buy a term life insurance policy set it and forget about it. Maybe their kids were babies at the time, and the mortgage was still new. Life […]
When Should You Add to a Flexible Premium Deferred Annuity?
May 13, 2026
Most people think about annuities in binary terms — you either have one, or you don’t. But a flexible premium deferred annuity changes that equation entirely by allowing ongoing contributions […]
When Does Lifetime Life Insurance Make Sense?
May 12, 2026
Most people default to term life insurance because it’s familiar and straightforward. But for many families, a policy with an expiration date isn’t the right answer. In fact, depending on […]
Should Moms Have Whole Life Insurance?
May 5, 2026
With National Life Insurance Day and Mother’s Day just a week apart, there’s no better time to consider whole life insurance for moms of all kinds — from working moms […]
Planting the Seeds for Lifetime Income: How Fixed Indexed Annuities Grow Over Time
April 28, 2026
One of the best things about spring is planting seeds with the anticipation of future growth. And just as carrots and radishes don’t sprout overnight, neither does retirement income. One […]