Archive for November, 2015


IPB Episode 003: Whole Life vs. Indexed Universal Life–Which is Better?

  When it comes to battles in the life insurance world, none rivals the one that exists between those squarely in favor of whole life insurance always being the best option versus indexed universal life insurance. And it’s a debate and/or fight that mostly serves to confuse consumers. So, we thought it would be appropriate […]

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Argument Against Permanent Life Insurance: Good Returns take too Long to Materialize

  Next up in our installment of arguments against permanent life insurance is the notion that returns are negative in the beginning and the good stuff simply takes too long to materialize. If you look at a life insurance proposal ledger, you’ll notice that there is indeed a negative return during the early years. The […]

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BREAKING NEWS: New York Life Announces 2016 Dividend

The New York Life Insurance Company announced its plans to pay participating policy holder $1.7 billion in dividends in 2016. This represents an increase over the 2015 dividend payment of

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BREAKING NEWS: Penn Mutual Life 2016 Dividend Announced

The Pennsylvania Mutual Life Insurance Company announced its plans to pay participating policy holders a total of $48 million in dividends for 2016. This represents an increase over last year of

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BREAKING NEWS: Guardian Life Announces 2016 Dividend

The Guardian Life Insurance Company of American has announced its plans to pay $836 million in dividends to its participating policy holders. This represents the highest gross dividend payout in the company’s history and a gross increase from last year of

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IPB Podcast Episode 002: Life Insurance Policy Design

  Did you know that not all life insurance policies were created with the same intention? No, I’m not referring to the difference between whole life insurance and term life insurance. That’s a pretty obvious difference. What’s less obvious is the difference that exists between different whole life insurance policies. And that complexity actually exists […]

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Argument against Permanent Life Insurance: Low Rate of Return

The rate of return argument against permanent life insurance focuses mostly on an irresponsible comparison of dissimilar asset classes. Chances are good that most of you reading this understand that there is a relationship between the risk of an asset and it’s return; the two are positively correlated. This means the riskier an asset is […]

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IPB Podcast Episode 001: Why Life Insurance?

Insurance Pro Blog podcast episode number one…Why Life Insurance? For those who don’t know, or even those who think they know, we’ll tell you clearly…we do actually own and operate a life insurance practice. We sell permanent life insurance, cash value life insurance, or…

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Argument against Permanent Life Insurance: High Commissions Paid to Agent

It seems one of the biggest reasons you should not buy whole life or universal life insurance is because the agent or broker who sold it to you will get paid to do so. At least this is a claim made in almost all of the articles ever written in an attempt to steer you […]

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Top Five Arguments against Permanent Life Insurance…Debunked

  Over the next month or so, we’re going to address the top five most common arguments against permanent life insurance. These are the arguments made by journalists and other hobbyists who spent that one weekend reading a book that had a chapter on whole life insurance and suddenly dubbed themselves supreme commander of life insurance […]

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