Insurance Pro Blog
What drives annuity buyers? I mean with all the negative press about the evils of annuities, what on earth possesses these people to actually pull the trigger and purchase an annuity? Let's not forget all of the other options available to Americans....
Posted: Mar 28, 2019
Whole life insurance dividends are a fun subject we discuss quite regularly. But a more obscure and advanced topic on this subject is the way life insurer adjust dividends (if at all) whenever a policyholder takes a loan out against a whole life ins...
Posted: Mar 21, 2019
Buy term and invest the difference is an academic argument that suggests you should skip the “expensive” whole life insurance et. al. and instead by “cheap” term insurance. You should do this because it will free up financial resources to then inves...
Posted: Mar 14, 2019
We've all seen articles chronicling the woes faced by policyholders who own universal life insurance. The names change, but the theme tends to remain the same. Joe insurance purchaser bought a universal life insurance policy years ago and recently...
Posted: Mar 07, 2019
Buying whole life insurance or universal life insurance as a cash accumulation tool or even because you want a permanent death benefit requires you to make a long term commitment to the life insurer. Even buying term life insurance commits a rather...
Posted: Feb 28, 2019
Overfunded life insurance, what on earth is that? I hear you cry out. Perhaps you ran across the concept mentioned briefly somewhere on the internet. Or maybe someone suggested that you buy an overfunded life insurance policy. If you're trying to...
Posted: Feb 21, 2019
Few subjects related to life insurance cause more hot-tempered debate than life insurance commission. Some believe it's an evil incentive that encourages agents to push “expensive” products like whole life insurance to land a huge payday. Others loo...
Posted: Feb 14, 2019
In most interactions with prospective clients who are interested in exploring a whole life policy, there's often a conversation that arises about life insurance guarantees. Given that most of the general personal finance writing out there nearly alwa...
Posted: Jan 31, 2019
For years, insurance agents, companies, and purchasers have looked at hypothetical ledgers that delineate future policy values in an attempt to articulate policy functionality and understand how one policy's features come together and work compared t...
Posted: Jan 24, 2019
No one wants to quit or be forced to change the primary life insurance company that they are writing business with. Unfortunately, there are times when it is unavoidable…either because the company has changed a key product or because a company decide...
Posted: Jan 17, 2019