Archive Monthly Archives: May 2014

111 Universal Versus Whole Life Insurance: Why Not Both?

In our practice, there's often a discussion that develops around the idea of universal versus whole life insurance and we know this sacred battleground for many of our colleagues. Indeed people do have

Continue reading

Financial Advice: Generic is Not Better for You

Getting the right financial advice is important and the truth is that average financial advice is really for average people.are so many financial media outlets present and they are more than willing to

Continue reading

109 The Financial Crisis is Not a Distant Memory

The financial crisis of 2008 was over nearly five years ago but recent research shows us that investors are still having a really hard time finding the balance between performance and safety. Today we

Continue reading

108 Life Insurance and the Kids

There's so much bad advice that gets passed around the life insurance industry that sometimes it's hard to point out the real stinkers. But today, we're zeroing in on the misguided direction that some

Continue reading

107 Ignorant Advice is Always Bad Advice

There is certainly no shortage of self-appointed financial “experts” making the rounds in the financial media–television, print and on ye olde interwebs. But we think something everyone

Continue reading

106 Why Don’t We Talk More About Disability Insurance?

For all of the joking around we do in this episode, we actually like disability insurance a lot.  What we're a bit annoyed with is the fact that there are a great many agents, insurance marketers and

Continue reading

105 Universal Life Insurance Guarantees: There’s More to this Story

Since the inception of universal life insurance in the late 1970’s, the whole life world has felt threatened and rightfully so. Universal life insurance boasted a myriad of benefits that improved upon

Continue reading

104 Suitability? What Suitability?

Today we're going to talk about regulation. Now, we're never in favor of MORE regulation…let's be clear on that. But, we do think that the life insurance industry needs to do a better job of policing

Continue reading

103 It’ll Only Hurt for a Second

Holding onto a life insurance policy because you want to recapture the premium you’ve paid into the policy is playing exactly to the insurance company’s hand.  The reason they love to have so little

Continue reading