Insurance Pro Blog
The Center for Retirement Research at Boston College has released their latest report which compiles information from the Federal Reserve's: Survey of Consumer Finances (SCF) which provides a glimpse into 401k balances etc. However, what's really imp...
Posted: Jan 04, 2018
Well, it's the end of the year once again. As we typically do at this point, we're conducting policy reviews for our clients, evaluating how we've all faired in 2017 and making plans for the new year. In the past, we've had some critics who've come...
Posted: Dec 21, 2017
The trend for dividend interest rates for participating whole life insurance and the cap rates for indexed universal life insurance have been a long trend downward. No denying that. But does that change our perspective on cash value life insurance? T...
Posted: Dec 14, 2017
It's that time of year again…time for companies that offer participating whole life insurance policies to make their dividend announcements for the coming year. (And yes, we realize these are technically the 2018 dividend announcements but since they...
Posted: Dec 07, 2017
Over the past few weeks, we've had a half-dozen or so conversations with folks who would like to understand the expense of owning cash value life insurance. Yes, for the sake of our discussion we are lumping together whole life and universal life ins...
Posted: Nov 16, 2017
The 2017 Boomer Expectations for Retirement survey from the Insured Retirement Institute reveals that things are not really improving for Boomers as they move into and toward retirement. There are more than a few disturbing statistics to share. I r...
Posted: Nov 09, 2017
It seems there's no end to the bad news in our industry as it relates to increased COI/expense charges for universal life insurance policies that were sold by SOME companies. Lawsuits are popping up and embarrassing company practices are being reveal...
Posted: Nov 02, 2017
Often times, understanding the power of cash value life insurance requires a paradigm shift. It's not all that complicated really, just not entirely comparable to anything else. A vast majority of folks that we talk with have some sort of vernacula...
Posted: Oct 26, 2017
Following up our episode from last week where we discussed how an indexed universal life (IUL) policy would have fared over the last 10 years, we thought it would be interesting to dig into THE most powerful aspect of IUL in our opinion–years when...
Posted: Oct 19, 2017
If you'd invested at the very top of the last market cycle–October 9, 2007, you'd now have slightly more than doubled that investment (according to the Wall Street Journal) despite the vomit-inducing period of the next few years where you watched you...
Posted: Oct 12, 2017