July 28, 2016

IPB 037: What Whole Life Product and When?


In this week’s episode, we dip into the mailbag to answer a question submitted by someone in our audience.

Olivia writes, “Would you discuss the differences for some specialty whole life insurance products and when they might be appropriate for someone?…7 year pay premium, 10 year pay premium, interest sensitive”

So, we’re answering that question.

If you have questions for us that you’d like to hear us answer on a podcast, please let us know. You can shoot us an email by using this form. We’d love to hear from you.

July 21, 2016

IPB 036: How Negative Interest Rates Could Effect Life Insurance

negative_rates

There’s a lot in the news recently about negative interest rates. It’s surreal to think that central bankers have gone to such extremes in attempt to stimulate economic growth.

If you don’t know what I’m referring to Read More…

July 14, 2016

IPB 035: Fee Disclosure Is Just a Marketing Tactic (life insurance myths debunked part 5)

free-shipping-xs

In the world of evaluating life insurance policies (something we do daily), it’s possible to get bogged down in a discussion of fees. And sadly, it won’t do much good.

If you’re looking at fees associated with whole life insurance, good luck. The product is not transparent (nor is it required to be) regarding what fees and/or expenses are charged.

But we’ve got good news for you… Read More…

July 7, 2016

IPB 034: Yep, They Take Your Money When You Die (life insurance myths debunked part 4)

 

There’s no doubt a number of people have made arguments against the ownership of cash value life insurance. You don’t have to spend a lot much time surfing ye olde’ interwebs to find such evidence.

Too many of these arguments are propped up on misinterpretations of the various products that exist–heck even the agents themselves can’t come to a consensus on how things work.

But one of my favorite literal interpretations about cash value life insurance that’s used to substantiate the opposition is the fact that Read More…

June 30, 2016

IPB 033: Good Returns Take too Long to Materialize with Cash Value Life Insurance (life insurance myths debunked part 3)

waiting

If you’ve missed part 1 and part 2 of this five-part series, it would be worth your time to go back and listen to both of those episodes. It’s not a pre-requisite, but it will help give you a little context for what I’m about to say…

This third argument against owning cash value life insurance (whole life and/or universal life) is the most ridiculous one so far.

The third argument goes something like this, “it just takes too long to see a return on my money”. Read More…

June 23, 2016

IPB 032: Life Insurance is a Terrible Investment and the Rate of Return Stinks (life insurance myths debunked part 2)

life insurance returns stink

The claim that life insurance returns are terrible is nonsense and a form of weak thinking mostly intended to confuse and mislead. But it’s easier for all the financial bloggers and talking heads to agree with each other, so…

It seems that most people’s only measure of savings or investment strategy is to look at the rate-of-return. If the return is higher, it must by default be better.  Read More…

June 16, 2016

IPB 031: High Commissions Make Life Insurance a Bad Deal (life insurance myths debunked part 1)

 

 

Over the next few weeks our podcast will look at five of the most common myths people have regarding life insurance. In particular, we’re looking at those myths that attack cash value life insurance and the evil people (us) that sell it.

If you want a preview of each topic, you should head over here to see the “Top Five Arguments…” and the links to a more in-depth explanation of both. Read More…

June 9, 2016

IPB 030: The Definitive Argument Against Buy Term and Invest the Difference

Two young caucasian office worker starting to fight

 

Buy term and invest the difference has long been the mantra of investment salesman(women) and Primerica built an entire company around the idea. The premise behind the concept has always been that one could achieve a greater return with “investments”  vs. traditional whole life insurance and it’s cash surrender value build up. Read More…

June 7, 2016

Whole Life Insurance has a Strong Risk Adjusted Return – Historical Evidence

Risk return

Three years ago this past Friday we published one of the most significant blog posts on this web site. This post, and a successor post we published last year remain some of the most popular content we’ve created.

For those unfamiliar with the original article, it reported on real historical data provided by a whole life insurance policyholder who was fortunate enough to purchase a decently designed blended whole life insurance policy back in the early 90’s. Read More…

June 2, 2016

IPB 029: How the Economy Impacts Universal Life Insurance


This week’s episode is a continuation of the discussion we had last week. If you didn’t catch that one, you can go and listen to it now.

Last week we discussed the impact that the economy and more specifically, interest rates, have on whole life insurance. This week is all about how the economy has, can and will impact universal life insurance.

What happens if interest rates go up (as we suspect is going to happen)?

Listen to the full episode to find out more.

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