Confused about annuities? Learn the difference between MYGA and FIA, how guaranteed income riders work, and what foreign nationals should know. Clear, simple answers—no jargon.

Life insurance doesn’t have to be confusing. This article breaks down Indexed Universal Life (IUL) in everyday language—so you can understand how it works, how it grows your money, and why staying informed leads to better financial decisions. Whether you're saving for retirement, protecting your family, or building long-term wealth, an informed choice starts here.

Is the falling U.S. dollar scaring you away from buying U.S. life insurance? Don’t let short-term exchange rates stop you from building long-term, tax-free dollar assets. In this article, we explore how foreign nationals can use Indexed Universal Life (IUL) policies to grow wealth, transfer assets, and protect loved ones—regardless of market volatility.

Not sure where to start with life insurance? This guide breaks down the do’s and don’ts to help you avoid costly mistakes and choose the right coverage with confidence.

Are you a hepatitis B or C carrier wondering if you can qualify for U.S. life insurance? Good news—approval is possible with the right strategy. Learn how underwriting works, which regions are most affected, and what steps to take to get covered.

While AB 1157 is designed to protect tenants, it leaves a powerful opportunity for landlords: rents can be reset at market rates with every new lease. For real estate investors, this law may be less of a setback — and more of a strategic shift.

"Is life insurance really safe?"
We break down the facts—real-life company failures, government oversight, and why your policy’s cash value is treated like cash. Spoiler: banks think it's safer than your stocks.

Think life insurance is out of reach for individuals with autism? Think again. Indexed Universal Life (IUL) policies offer a flexible path to financial protection, wealth building, and peace of mind—for both families and high-functioning individuals on the spectrum.

Heard ANICO’s leaving the life insurance game? What does that mean for your policy—and your peace of mind? Here’s what’s really going on, and how ToraWealth can help you stay protected no matter what happens next.

Would you turn down a $250,000 financial gift that grows with the market and stays tax-free? One parent didn’t just leave their child an inheritance—they gifted financial freedom using an Indexed Universal Life (IUL) policy linked to the S&P 500. But with the IRS watching large transfers, how did they avoid paying gift taxes? This case study reveals the powerful wealth transfer strategy ultra-high-net-worth families use—and how you can too.

Ever looked at a life insurance illustration and thought, Wow, this looks amazing!—only to wonder later if it's too good to be true? That’s exactly why AG49 exists. It helps keep those projections realistic, so you don’t buy into hype but into a plan that truly works for you. Let’s break it down—what AG49 is, why it was created, and how it impacts you.

If you’re a foreign national with assets in the U.S., your wealth might be at risk. Without proper planning, your heirs could lose up to 40% in estate taxes, face complicated legal battles, and get caught in double taxation traps. The right trust strategy can be the key to protecting your legacy. Should you choose a revocable trust, irrevocable trust, or an ILIT? Here’s what you need to know before it’s too late.

Financial freedom isn’t just for the ultra-rich—it’s for anyone who’s willing to shift their mindset, invest smartly, and make money work for them. But did you know that 78% of Americans still live paycheck to paycheck? Or that most self-made millionaires credit their success to habits, not high salaries? If you want to break free from financial stress and start building real wealth, this is the guide for you. Let’s dive into the psychology, stats, and proven steps to make financial freedom your reality!

Women face unique financial challenges, but with the right strategies—financial literacy, investing, saving, and income growth—they can bridge the wealth gap and secure financial independence. Discover actionable steps to build wealth, protect assets, and plan for a stable future.

The real estate market is shifting—buyers today overwhelmingly prefer move-in-ready homes over fixer-uppers. What’s driving this trend, and how should sellers, investors, and buyers adapt? Learn how convenience, high renovation costs, and changing demographics are reshaping homebuying preferences.

Did you know life insurance dates back to ancient Rome? Over centuries, it has evolved into term, whole, universal, and investment-linked policies. Whether you're looking for affordable protection or wealth-building strategies, understanding the history and purpose of each type helps you make the best choice. Dive into this guide to find the right policy for your needs!

Navigating life insurance policies can feel overwhelming, but it doesn’t have to be! Our easy-to-understand glossary simplifies key terms like death benefits, cash value, and riders—so you can make confident decisions about your coverage.

Think life insurance is just for protection? Think again. For Millennials and Gen Z, cash value life insurance is a game-changer—offering tax-free growth, no withdrawal restrictions, and creditor protection. While traditional retirement accounts come with penalties and tax traps, life insurance gives you complete financial freedom. Learn how the wealthy use it to build tax-free wealth and why you should start now!

Choosing the right life insurance company isn’t just about today’s rates—it’s about securing your financial future for decades. From claims processing to financial stability, not all insurers are created equal. Discover how to identify a reliable provider that will stand the test of time.

With California’s rising rent caps and new landlord incentives, Section 8 housing is becoming an attractive investment. But is it worth the bureaucracy and tenant protections? This guide breaks down the hidden opportunities and challenges for investors in 2025.