Best Life Plans

I have been critical lately about Variable Life and Universal Life if not structured correctly. 

I feel and its just my opinion if you have a Variable Life program it must be reviewed to see what the actual performance is and what the real future costs of your plan is. 

If you have an index or Universal Life program it is imperative to see how these plans are performing and what the real costs will be to you in the future..

If you have term insurance bought years ago perhaps now is the time to have some coverage for your whole life with a long term care feature.

As most of you know I am an independent Insurance Broker and representing  most major carriers..

Let me review your situation and give you a second opinion...

Saul L. Appel CLU ChFC CCPS