All Posts By Robin Senor-Gallant
Robin Senor-Gallant holds her BA in Journalism from the University of Pittsburgh, and her MA in Communications from Carnegie-Mellon University. She lives with her husband Danny and her three dogs in Kennebunk, Maine.
Using an IUL for Long-term care

Using an IUL for Long-Term Care

Did you know you can leverage a Indexed Universal Life Insurance ( IUL) for long-term care (LTC) needs such as assisted living or nursing care? An IUL is a great way to provide a stable option for long-term care. There are few ways this can be accomplished. Long-Term Care Rider Some insurance companies offer a…
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Using an IUL for retirement stability

Using an IUL for Retirement Stability

An IUL, or Index Universal Life policy, can help provide stability in retirement in ways your investments cannot. You can gain peace of mind by leveraging a few aspects of your IUL policy. This will help you weather market turns, illness, and unexpected expenses in retirement with peace of mind. Cash accumulation First, an IUL…
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Business protection with life insurance

Business Protection with Life Insurance

When most people think of life insurance they imagine someone who wants to provide for a loved one in the event of their death. At it’s most basic, life insurance is designed to pay out a death benefit to the insured person’s beneficiaries.  What’s not so commonly known is that life insurance is an effective…
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FCC closes lead generator loophole

FCC closes “Lead Generator Loophole”

On December 13, the FCC closed the lead generator loophole with a set of regulations that make it more difficult for unscrupulous companies to harass consumers with unwanted phone calls and texts. The regulations will accomplish this by: Providers will have 6 months to become compliant, but many are ending the practice now, which should…
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Using Indexed Universal Life for Real Estate Investing

Using Indexed Universal Life for Real Estate Investing

One of the greatest benefits of Indexed Universal Life (IUL) insurance policies is that they offer a “cash value” component. The cash value of an IUL comes from a portion of your premium payments, and grows based on the performance of a stock market index, typically varying between 7 and 9 percent. This allows for…
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Helping to ease your familys stress in the event of your passing

Helping to ease your family’s stress in the event of your passing

Help ease the pain of loss by keeping your household affairs in order Death is unavoidable, and the grief family members experience when a loved one passes can feel insurmountable. To add to that, if your affairs and household are not in order, loved ones have the added onus of tidying up affairs. Help ease…
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What is Indexed Universal Life Insurance

What is Indexed Universal Life Insurance

An indexed Universal Life Insurance Policy’s cash value can grow against a stock market index such as the S&P 500 An indexed universal life insurance (IUL) policy is a type of permanent life insurance that provides a cash value component, meaning you can borrow against the policy during your lifetime, as well as a death…
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What is Term Life Insurance?

Term life insurance is designed to provide you with a specific level of coverage for a predetermined period, i.e., a “term.” This type of insurance offers a straightforward and affordable way to ensure financial protection for your loved ones if you are to pass during the policy’s duration. Unlike whole life or universal life insurance,…
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