A fundamental component of every insurance policy is Risk Transfer & Distribution. Risk transfer and distribution are easily understood as a consumer enters an agreement to pay premium each month or annually to their insurance provider covering their automobiles. If or when their car is in an accident and a claim is made, the insurance company pays out not directly from the insureds own reserve, but from a general account of thousands of insureds. All individuals paying prem

Capital preservation, retained earnings, surplus, cash (value). Preserve it, in every way possible: in your savings account, in your business, or your retirement account. Most people are aware of these traditional, important methods to Capital preservation. There are many additional, less- common, yet significantly more powerful methods including cash value of life insurance, deferred compensation, surplus of your insurance company, making an election, and many more. Why, bec