Archive Monthly Archives: July 2012

Dead Peasant Insurance–The Employer Owned Life Insurance Problem Solved with a Napkin

To follow up Brandon's post from yesterday regarding employer owned life insurance (EOLI) and so called Dead Peasant Insurance as it's been described in the media, I thought I'd share a piece recently

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Employer Owned Life Insurance, It Might Not Be Quite What You Think

Employer Owned Life Insurance is a funny topic.  Funny in the way religion divides the masses and causes all kinds of fun (and not very amicable) discussion.  And, a lot like religion, there's a fair

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The Goodman Triangle–The Unholy Trinity of Life Insurance Tax Traps

There’s a funny sounding phrase in the life insurance world that relates to a lethal tax trap called the “Goodman Triangle”.  Sounds deadly doesn’t it? Well, it actually refers to a court case

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Numerical Illiteracy, it’s Worse than You Thought

  Today the most fascinating experiment on the human condition took place on (of all places) Facebook.  When I took my somewhat usual stroll into check Facebook this morning I happened upon a post

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The Financial Planners are Turning to Alternative Investments and Life Insurance is on their List

We've been hammering the alternative investments point pretty hard lately, and this is because the financial services industry is abuzz about what to do with its tarnished image for cuddling up with the

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4-6% Historical Return with very Limited Risk: The Idea Par Excellence in Alternative Investments

Alternative Investments? You say…hear us out. I'll admit it, I have a certain penchant for the unusual and I have a huge tendency to buck the trend. According to certain personality tests circulating

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Modern Portfolio Theory turned upside down

Let's start with a brief discussion of modern portfolio theory (MPT)  just to make sure we're all on the same page.   To avoid a less than exciting academic foray into MPT, I'll provide a basic definition. Basically,

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Dear Insurance Pro Blog: 7702 Plan

We recently received the following email from a fellow reader about the 7702 Plan post: Dear Brandon, Why so much hate for 7702 Plans? I've been following your blog for a few months now, and for the most

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Special Announcement: Ohio National Whole Life Dividend Announcement

Ohio National Life has announced their whole life dividend for the next year.  Both rates, the 5.9% rate on the closed block of whole life business and the 6.15% rate on the open block of whole life

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