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Changing the Way You Buy Life Insurance

The way you buy life insurance should be simple, secure and convenient, which is why we launched DoItYourselfTerm.com. At Howard Kaye Insurance Agency, LLC, our minds work a little differently. We create innovative and effective life insurance solutions. Sometimes that means we take the road less traveled. The truth is, that’s OK with us. We are […]

The 2023 Qualified Charitable Distribution Rules Impacting Your Estate

Some feel a philanthropic tug on their heartstrings from time to time, while others make charitable donations an integral part of their financial plan. Whether you fall into one category or the other, knowing the qualified charitable distribution rules in 2023 that could be impacting your estate can help you leverage your donation—and minimize your […]

The Guaranteed Income Annuity Pros and Cons for Retirement Income Planning

Guaranteed income annuities are an important part of retirement planning. They provide a guaranteed stream of income for life and can help retirees maintain their quality of life in retirement. However, there are some drawbacks to consider before making the decision to purchase an annuity for retirement income. In this article, we will discuss the […]

How to Guarantee Tax-Free Retirement Income by Investing in Life Insurance

“There are only two guarantees in this life, death and taxes.” This popular saying is usually attributed to Benjamin Franklin circa the 1780’s but has certainly come into much wider use since the establishment of the IRS in 1862. It is also a favorite of most financial advisors focused on retirement income planning for obvious […]

Does Term Insurance Have Value as an Investment Alternative? What Your Financial Advisor May Not Know

“The market always bounces back.” “Own your age in bonds.” “Only risk what you’re willing to lose.” These are all common investment sayings you may have heard, possibly even from your own financial advisor. However, you may not have heard your advisor quote this one before: “Buy term and invest the rest.”   This phrase, […]

Non-Qualified Annuity Beneficiary Distribution Tax Options: How to Protect Your Investment—and Loved Ones

Non-qualified annuities—that is, annuities that are not part of an IRA or other tax-qualified retirement plan—can serve as a valuable component of your financial and estate plan. However, Non-qualified annuities have specific beneficiary options for distribution tax, which are subject to certain rules and regulations and when non-qualified annuity owners pass away, the distribution options […]

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