Author Archives: Durr Sexton, CLU

What is the difference between Immediate and Deferred Annuities?

Annuities come in two basic flavors. Everything else is just a variation of those two flavors. No, they are not vanilla or chocolate in flavor. Annuities are simply considered either immediate or deferred.   With an immediate annuity, the annuity buyer is expecting to receive an immediate income. An immediate annuity is the most basic vanilla type of annuity. You make one lump-sum […]

Life Choices, Life Insurance Lessons

Life is full of choices. We make choices every day. Good choices, bad choices, simple choices, and complex. We make choices that impact our lives day in and day out. If you sit back for a moment and think of all the choices you make during the day, it will astound you. As the saying […]

Term Insurance vs. Permanent Life Insurance

It is 2021, marking my 40th year in the insurance business. Ever since I started this career, there has been the ongoing debate of term insurance versus permanent life insurance as if it is a battle between two heavyweight titans. Honestly, there is no battle—they are in different divisions. Both have their place. There is […]