Insurance Pro Blog
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
It's not uncommon for people to refer to whole life insurance as a “forced savings plan” or at least it was common back when we started out in the industry. Sounds like a bad thing but is it really? Sounds like a bad thing but is it really? We've s...
Posted: Oct 05, 2017
I know that all of our listeners are teeming with excitement as they see us release a new episode. We figured that if we gave it the ole college try, we could produce two episodes of the podcast for the month of September. One of us (Brantley) decide...
Posted: Sep 28, 2017
Last week, Equifax, the largest credit reporting company, reported a major breach of its core database. It is by far the largest hack of its kind to date and is estimated to have impacted more than half of the U.S. population–more than 143 million...
Posted: Sep 14, 2017