Archive for October, 2011


What About My Good Credit?

http://youtu.be/weKN9-9TQcU

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 charged on that loan that is collected by the insurance company.  Now, since whole life […]

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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 are vitally important.  But the thing that drives whole life insurance to the level that makes it an attractive cash accumulation tool […]

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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, Enricher Rider, Enhanced Paid-up Additions, etc.) but it all means the same thing.  This feature of a Whole Life Insurance policy […]

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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” guesses about where the market (or a particular equity) is going based on the statistical data that represents the chart’s graphical display.  […]

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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 the form of financial security, we’re going to start first with dessert.  And if it weren’t for […]

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Why?

http://www.youtube.com/watch?v=AnHqzU_sXrY&feature=related”

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 improvement over what you are doing, now)?  Why should I look at life insurance as a savings vehicle?  How does […]

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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 that have sense gone the way of the dodo).  But, as interest rates started to skyrocket and insurance companies appeared to lag way […]

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New Direction Coming Soon

So the original intent of this was to have a informational resource that was updated regularly to promote the use of permanent insurance as a conservative allocation to one’s portfolio.  To promote the infinite banking concept through a slightly less glitz and glamor fashion than the Nash and Yellen group.  With a much harder look […]

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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 for the entire lifetime of the insured.  In the world of guarantees, nothing beats it, and it has been an anchor for […]

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