Archive for September, 2014


Indexed Universal Life Insurance: The White Coat Investor Responds

Last week we published a critical piece regarding a recent review of indexed universal life insurance that showed up on Jim Dahle’s website The White Coat Investor. Jim took our criticism seriously and on Friday of last week published a lengthy reply. Based on the time Jim has taken to address this, I felt it was necessary to offer […]

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140 Hey, We Told You So

If you’ve ever been in a position where you were responsible for creating content for a website, blog, newsletter, podcast, radio show or video, then you know how much of a struggle it can be to sometimes to find interesting subject matter to discuss. Particularly when you’ve been at it for a little over three years […]

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Ten Things Life Insurance Agents won’t Say: #3 Your Child doesn’t Need Life Insurance

Life insurance for children is a topic I’ve discussed in the past, a few times. And while I mostly agree that a lot of agents (and consumers) often get things backwards in terms of what, how, and even if this should be done.  Categorically declaring against it is neither helpful nor heroic. This is the […]

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Is Indexed Universal Life Insurance Just what the Doctor Ordered?

Most of our readers and clients are familiar with the White Coat Investor—a web site started a few years ago by Jim Dahle, a physician who practices Emergency Medicine. I’ve talked about Jim’s work before, once quite a while ago when he attempted to malign whole life insurance and again about a year ago when […]

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139 Financial Pro Cast: You Can’t Sell THOSE Products?

This is our second week of publishing the Financial Procast after going back to our original format of discussing various issues that have come in the world of finance. We sincerely hope that those in our community are enjoying listening to the episodes as much as we enjoy putting them together for you. Now, onto today’s show:

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Ten Things Life Insurance Agents won’t Say: #2 We’d Rather Sell you Investments

Moving right along on our critique of Market Watch’s failed attempt at a slam piece against insurance agents from a few months ago, today we take on item #9. Apparently insurance agents find insurance dreadfully boring. So boring in fact, that they’d much rather talk to you about “investments.” And, much to their delight, federal […]

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Indexed Universal Life Insurance: Another Weird Trick to get more Cash out of your Policy

Indexed Universal Life Insurance is the dominate form of fixed (i.e. not involving any direct investment in mutual funds) universal life insurance for cash accumulation, and just like whole life insurance can be manipulated by agents and brokers to maximize cash value produced by the policy. Just like last weeks discussion, the change that we […]

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138 Financial Pro Cast: No One Use the Bathroom After Metlife

And so begins the 3rd year of the Financial Procast… Our listeners have told us that they would really like for us to get back to our “roots”. That is to say, we wax poetically about three or four financial related news stories and share our unique brand of commentary. If you’ve never heard us […]

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Ten Things Life Insurance Agents won’t say: #1 you have too much Life Insurance?

Back in July, market watch published a list of 10 Things Life Insurance Agents won’t say, which is an on going theme for the articles author, Daniel Goldstein. The piece attempts to be provocative and cast doubt on the life insurance industry within the eyes of the consumer. This allusion is not a new one. […]

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Whole Life Insurance: “One Weird Trick” to get more Cash out of your Policy

We all want more money. And when it comes to getting more money, we tend to think that there’s an arduous task ahead of us marked with unrelenting sacrifice and persistence. But when it comes to whole life insurance there’s actually nothing we have to do. This seems counter-intuitive—if not downright impossible—but truth is getting […]

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