Insurance Pro Blog
Since 2013, we have published the only public analysis of variation in dividends for major participating whole life insurance products. This analysis is a better gauge of product dividend performance than traditional reporting that focuses on the ab...
Posted: Mar 16, 2018
We love paid-up additions and if you've listened to us at all, you're not all that surprised. But we’ve made a little misstep in terms of being so broad in our discussion about them. And we're always adding new people to our audience. So it bears rep...
Posted: Mar 08, 2018
Few aspects of life insurance are more misunderstood than the guarantees of a permanent life insurance contract (particularly whole life insurance). You wouldn't believe many of the claims we've heard concerning life insurance guarantees, and we con...
Posted: Mar 01, 2018
We realize that premium finance is really big subject and there's much to say about this. In today's podcast we're discussing some the “less than savory” pitches circulating out there. Much more to write on this subject…this post will be updated in t...
Posted: Feb 08, 2018
We all understand that life insurance provides a death benefit, but its ability to offer additional financial resources are spectacular and often understated. If you've researched the topic of life insurance at all, you've likely run into mention of...
Posted: Feb 01, 2018
If you've been doing a lot of research about the different types of life insurance, maybe you're wrestling with a big question…Is whole life insurance worth it? That's a simple question with a not-so-simple answer. It depends on what you want to acco...
Posted: Jan 25, 2018
“Whole life insurance/universal life insurance is a terrible investment because the rate of return is horrible.” We've heard that before. You don't have to wander the interwebs far to find someone peddling this bologna. If you don't believe me, se...
Posted: Jan 18, 2018
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