Member Since September 20, 2008 , From Washington, United States
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Recent Activity by John F

Commented: About Jodi's answer

Jodi, The only policies that provide access to a cash buildup are permanent policies. There is one term product that allows for a Return of Premium (or ROP) as we call it. You would receive back ...

Answered: I want to get life insurance for my daughter ...

Lenrobbins was spot on. I did a few of these types of policies for some clients last year. The benefit is that some companies do NOT require medical exams for children under 16 in some instances. I ...

Answered: Migrated from another State...want help with ...

email me at jfultz@polarisfinancialgroup.com . I provide coverage in DC, MD & VA from multiple carriers. You can also visit my site at www.polarisfinancialgroup.com

Answered: I am 66 years old a retired nurse of 20 years ...

Hi Carolyn, When did you fill out the paperwork? I would consult an attorney to verify if you were guided correctly when you first made your choices.

Answered: Fixed Annuities - Best Use After Retirement

i would recommend either a fixed or fixed index product with a good income feature if you do not plan on taking lump sums out of the account. This will be a good way to maximize your income long term ...

Answered: Mr. Dan, when I will reach 59.5 years of age ...

You are still subject to taxes...you just avoid the early withdrawal penalty. I hope this helps. John F.

Answered: 1035 annuity exchange??

Yes you may goat. You should be able to do this pretty painlessly. How old are you? The only other issue may be RMDs if you have reached a certain age. Feel free to reach me via email with any ...

Answered: Insurance help asap

Mike C. I have a couple of questions I would ask. How long would your new term policy be for? If you let the policy lapse...that "loan" may be subject to income taxes. I would talk to a qualified ...

Answered: Is voluntary life insurance a good option to ...

Excellent points Adam. I would be curious about the level of coverage being offered. Shopping around and comparing not only cost but other product features is critical. I suggest you contact an ...

Answered: Our problem, too much cash and we are ...

Beat inflation with tax deferred products. Contact your local advisor for more information. In the meantime, you can download a free copy of a complimentary retirement book I am giving away. John F ...

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