Archive Monthly Archives: October 2011

What About My Good Credit?

Every once in a little while this question comes up and recently I had someone ask me about this and decided it was a good topic to address.  We know that when a policy loan is taken, there is interest

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Dividends The Power Behind Recapturing Lost Opportunity

Here's something you wouldn't expect to find written around here: Whole life insurance (at it's core) kind of sucks.  Sure everything is guaranteed, and to some people and in some applications those guarantees

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Paid Up Additions: The Magic of Cash Value Life Insurance

It makes perfect sense to dedicate some time to the discussion of paid-up additions and their role in cash value life insurance. You’ll find them under a few different names (additional insurance rider,

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The Chartology They Don’t Really Like Talking About

Ever flip on over the CNBC and watch their stock picking experts talk about chartology?  It's the process of looking at a graphical depiction of a stock or market performance and making “educated”

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Here’s the Best Part, You Can Spend It!

Here's something we should address right off the bat that I think a lot of people in the BOY et. al. crowd tend to forget to mention: YOU CAN SPEND YOUR MONEY!  So, if today I'm serving you dinner in

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Why?

So the biggest question I get all the time is why?  Why do I need to change the savings/retirement plan that I have currently (and for many the answer is, because doing something…anything is an

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The Basics of Life Insurance Part III Universal Life Insurance

Prior to booming interest rates from the later 70's and early 80's your life insurance options were pretty much term insurance and whole life insurance (and these nifty things calls endowment contracts

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The Basics of Life Insurance Part II: Whole Life

Known by a few different names, and probably the most tweaked product in the industry, Whole Life (aka straight life in older circles) has a several centuries history of offering guaranteed death benefit

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