Insurance Pro Blog
Posted: Apr 13, 2020
Posted: Mar 08, 2020
We started podcasting seven years ago. It seems a little crazy to me to write that. But our first foray into the podcasting began in early September 2012 with the Financial Procast. Here's the very first episode if you'd like to know what we sound...
Posted: Sep 26, 2019
The taxability of life insurance cash surrender value causes much confusion. Agents often extol the tax free nature of life insurance. But the marketing brochures often have numerous footnotes on the tax subject. So is your the cash surrender value...
Posted: Sep 12, 2019
You might have heard that whole life insurance cost more than term life insurance. This very statement is the foundation of many arguments suggesting that term life insurance is simply a smarter financial decision. We wanted to test this argument,...
Posted: Aug 29, 2019
In a statement made by CEO Eileen McDonnell and President Dave O'Malley, Penn Mutual announced it will suspend the sale of its life insurance and annuity contracts in the state of New York. The suspension comes in two phases. Phase number one affec...
Posted: Aug 22, 2019
It's hard to figure out what life insurance policy is best. When it comes to purchases focusing on cash value, we want an easy way to compare policies and declare a winner. A naturally obvious way to do this is focusing on anticipated rate of retur...
Posted: Aug 15, 2019
We're no strangers to voicing our concerns about lofty indexed universal life insurance assumptions. In fact, we were an early voice seeking to temper the returns on IUL as the product began picking up serious steam nearly a decade ago. Then came t...
Posted: Aug 08, 2019
For most agents, return of premium life insurance likely conjures up thoughts about term life insurance. This comes from the marketing hurrah over return of premium term life insurance now over a decade ago. The success of that product wasn't smashi...
Posted: Aug 01, 2019
Whole life insurance companies or life insurance companies that offer whole life insurance comprise a much smaller pool of insurers versus universal life insurance. However, a lot of these companies have extraordinary capitalization and profitabilit...
Posted: Jul 25, 2019