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Clarus Wealth Advisors Market Watch October 28, 2024

Submitted by Clarus Wealth on October 29th, 2024

This week's Market Watch discusses the earnings reports that set to come out within the next few days. 

Clarus Market Watch 10.28.24_Page_1.jpg

Tags:
  • Fed policy
  • Market returns
  • Primary Market Drivers

Clarus Wealth Advisors Market Watch October 21, 2024

Submitted by Clarus Wealth on October 21st, 2024

Read about what is working, what is not, and what is next in the current market environment, in this week's Market Watch.

Tags:
  • equities at all time highs
  • Fed's easing cylce
  • What's happening with the market

Why Would Anybody Need Life Insurance

Submitted by Clarus Wealth on October 15th, 2024

Life insurance is an important, but sometimes overlooked, piece of a financial plan. Read this short, one-page overview on what it is and how it works.

Why Would Anybody Need Life Insurance.jpg

Tags:
  • Do I need life insurance
  • How much life insurance should I buy

A Short Course in Insurance: Permanent vs. Term

Submitted by Clarus Wealth on October 15th, 2024

There are two basic types of life insurance coverage—permanent (sometimes referred to as cash value) and term. This article takes a closer look at the short- and long-term benefits of each.

A Short Course in Insurance_Page_1.jpg

Tags:
  • Permanent vs Term life insurance
  • should I buy life insurance
  • what is permanent life insurance

The Rationale Behind Permanent Life Insurance

Submitted by Clarus Wealth on October 15th, 2024

A commonly used analogy to describe the two broad forms of life insurance is: renting vs. owning. Term life insurance is like renting a home. When you stop paying for coverage, your benefits end. On the other hand, with permanent life insurance, you build up cash value (i.e., equity or ownership). This cash value is available to you for a variety of purposes and may even be used to help pay premiums on your policy. Read more below.

The Rationale Behind Permanent Life Insurance_Page_1.jpg

Tags:
  • should I buy permanent life insurance
  • term vs permanent life insurance
  • The Rationale Behind Permanent Life Insurance
  • what is permanent life insurance

The Nuts and Bolts of Life Insurance Beneficiary Arrangements

Submitted by Clarus Wealth on October 15th, 2024

Primary vs. Contingent, Per stirpes vs. Per Capita, and Revocable vs. Irrevocable Life Insurance Beneficiaries - read about some of the differences here.

The Nuts and Bolts of Life Insurance Beneficiary Arrangements_Page_1.jpg

Tags:
  • difference between per stirpes and per capita
  • Life Insurance Beneficiaries
  • types of beneficiaries
  • What is a contingent beneficiary

Insurance Protection for Life's Key Stages

Submitted by Clarus Wealth on October 15th, 2024

Whether you are just starting your career, in your peak earning years, or enjoying retirement, your insurance protection needs may change over time. Read more here.

Insurance Protection for Life's Key Stages_Page_1.jpg

Tags:
  • How much insurance do I need
  • Life insurance needs
  • LTC insurance needs
  • What type of insurance do I need

What To Do When Your Term Life Insurance Is Expiring

Submitted by Clarus Wealth on October 15th, 2024

What are your options when your Term Life Insurance policy is about to expire? This pdf reviews some possibilities.

What to do when your term life insurance is expiring_Page_1.jpg

Tags:
  • Buying life insurance
  • Converting term policy
  • Converting Term to Permanent Life
  • Converting to permanent life insurance
  • Should I buy a permanent life insurance policy

Helping Young Adults Understand Insurance

Submitted by Clarus Wealth on October 15th, 2024

Insurance is an important piece of many financial plans – and it should evolve, too. Young adults starting out in life, especially newlyweds, need insurance. But what kind? This short document reviews the basics of insurance and how it may provide security in difficult times.

Helping young adults understand insurance_Page_1.jpg

Tags:
  • Do I need insurance
  • Helping Young Adults Understand Insurance
  • Understanding life insurance
  • What type of insurance do I need

Life Insurance: Changing Times, Changing Needs

Submitted by Clarus Wealth on October 15th, 2024

Has your life insurance kept up with the changes in your life? The attached pdf discusses some questions that policyholders should ask themselves at least once a year.

Life Insurance Changing Times, Changing Needs_Page_1.jpg

Tags:
  • Do I have the right amount of life insurance
  • How life changes impact life insurance needs
  • Important life changes impact insurance
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OSJ Office: Clarus Wealth Advisors
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