Archive for May, 2013


Stock Ownership Hit’s New Low According to Gallup

Earlier this month, Gallup released data it collects concerning stock ownership in the United States. The data show that stock ownership among Americans is at its lowest point since Gallup began tracking the data in 1998 with just 52% of American’s surveyed claiming to either directly or indirectly own stock in a public company. Historical […]

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039 When Should You Buy Long Term Care Insurance?

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Podcast: Play in new window | Download (Complete Show Notes Below) In the 39th episode of the Financial Procast: We Poke the Long Term Care Insurance Beast Right in the Eye For a while, we’ve had people asking us our opinions on long term care insurance (LTCi), so we decided to dedicate an entire episode […]

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Does Blended Whole Life Really Work? Historical Proof

Blended whole life is a concept we really like. We’ve talked about it a fair amount before, and we maintain that it’s the way to purchase whole life insurance when cash accumulation is the most important goal. We’d also suggest that anyone who has learned that you can use whole life insurance as an asset […]

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Life Insurance Company Ratings a Marketing Game?

Don’t fall for the marketing hype of a life insurance company being great because their ratings are “Superior”.  In the grand scheme of things, this really isn’t the most important aspect of what you should consider when purchasing of a life insurance contract.  Not that it should be completely discounted, but I wouldn’t make it […]

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038 Meow

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Podcast: Play in new window | Download (Complete Show Notes Below) In the 38th episode of the Financial Procast: Coaching Clients on Retirement Income Planning a Problem for Advisors It seems that 40% of financial advisors surveyed are having difficulty with talking to their clients about retirement income planning.  We wondered…why is it so hard. […]

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An Introduction to Impaired Risk/Substandard Life Insurance Underwriting

Impaired risk life insurance is a trickier realm of the life insurance industry. It involves securing life insurance for people who have health impairments or whom have had health events in their life, which place them at a greater likelihood of a shorter life expectancy, and make insuring their lives riskier for life insurers. The […]

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Life Insurance Companies Love the Estate Tax

http://www.youtube.com/watch?v=O5EwkAN1e_o”

I bet you didn’t know how much the life insurance industry really loves having the estate tax stick around?  Yes indeed…according to a recent report on the fox business channel, life insurance companies spent $60 million in the last six months lobbying for the estate tax to stick around. Why in the world would they […]

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037 Beer and Cheez-its

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Podcast: Play in new window | Download (Complete Show Notes Below) In the 37th episode of the Financial Procast: Your 401k Statement Might Soon Tell You What Sort of Income Your Balance will Produce That’s right…a recent statement from the Department of Labor announced an advance notice of a proposed rule change that signaled they […]

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Waiting to Buy Disability Insurance…

Yup, it’s disability insurance awareness month. So why not spend a little time discussing what could be one of the most important financial decisions you’ll make in your life? And one such crucial decision younger professionals will often find themselves tasked with is whether or not it makes sense to purchase individual disability insurance when […]

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But Whole Life Insurance Has Really High Commissions

Recently I’ve noticed that whole life insurance is generally berated by almost everyone in the known universe. Well, most insurance agents really like it but other than that it’s pretty easy to count the number of folks who really like whole life insurance. Obviously, we consider it to be an excellent component to an overall […]

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