Archive Monthly Archives: August 2012

Universal Life Insurance is NOT the Cheap Alternative to Whole Life Insurance

Universal Life Insurance rolled out to a lot of excitement and confusion.  Originally released in the late 70's, this products was incredibly innovative for it's day.  A premium that could be adjusted

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The Retirement Income Opportunity has arrived

If you've read any of my previous posts, it's no big surprise to you that I'm very passionate about the subject of retirement income.  Honestly, I think this is one of the biggest boondoggles for financial

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Indexed Universal Life: Market Neutral?

The other day I was part of a conversation with another agent about Indexed Universal Life.  The conversation was more of a challenge to my position that, like whole life insurance and current assumption

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Why a fixed index annuity is still a great deal

Many consumers and most agents assume that because interest rates are at an all time low and thus cap rates are at an all time low, the fixed index annuity is no longer a viable alternative to other investments

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Buying Life Insurance Part Two: Underwriting

Life Insurance underwriting can be a somewhat cryptic topic.  Today, we'll talk about what the is needed for underwriting, and how decisions get made.  Most of this discussion will focus on what a client

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Buying Life Insurance: Part 1 “Quoting” and Application

So every once in a while (much more frequently than we'd like) an a-ha moment comes along at the Insurance Pro Blog where we sit and think “why did it takes us this long to think about doing that,”

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Aviva Life For Sale?

There has been some speculation for a little while the Aviva Life would sell it's U.S. life insurance business and stories are starting to ramp up.  Aviva, one of Britain's largest life insurers, has

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