Archive for June, 2015

Whole Life Insurance Pros and Cons

First, I feel the need to provide context for this post. 99% of our clients want to use cash value life insurance as an asset class. Which means people need to distinguish whole life insurance from indexed universal life insurance. Yes, there are other products. But none that we feel are worthy of consideration. Which is better? What are […]


175 The Plural of Anecdote is Not Data

  Every now and then something comes along that we just have to spend a bit more time on than usual. Today in the second half of the show, we get into proposed legislation from the Department of Labor. Now, this isn’t the first time we’ve discussed the issue. But we now have congressional testimony […]


Could Your Loan Rate on Your Indexed Universal Life Insurance Drive Your Cap Rate Down?

Recently there have been some rumblings in the life insurance industry. I know, big surprise. It seems life insurance agents and industry professionals love to disagree. First, make sure you read last week’s post, “Introduction to Indexed Universal Life Policy Loans“. It’s important for you to have context for the discussion below. The particular disagreement […]


174 Predictions with Exactitude

  Today we’re tackling the topic of getting your financial house in order. That also means that we’re discussing the lack of solid financial educational information that is available.


Introduction to Indexed Universal Life Insurance Policy Loans

Indexed universal life insurance policies generally offer two types of policy loans. Though the language can be a bit intimidating to some, by the end of this introduction, you should have a solid understanding of what’s available and how the different loan options work. Typically, indexed universal life insurance policies have two loan options. The […]


173 It’s All About Cashflow

One of the most common phrases you’ll see tossed around on the internet (at least as it relates to the topic of personal finance) is that “cash is king”. In fact, we recorded a podcast on that very topic a couple years back. But today we’re not talking about cash per se. No, today we’re […]


172 Congress Doesn’t Give a #*?@! What You Think

  Well, back from the beach and with much better wifi than what I had last week. I don’t think there are any long moments of silence in this episode. Here’s what’s on tap for episode 172: Data Shows that Congress Doesn’t Care What You Think Jack Bogle Likes Active Investment Management? Dividend Stocks Are […]


Indexed Universal Life Insurance Pros and Cons

A common question we get asked involves indexed universal life insurance pros and cons. The internet has a very difficult time telling the difference between whole life insurance and universal life insurance (in fact it often considers them the same thing) so it comes as little surprise that people are often very confused about what […]


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