Archive Monthly Archives: March 2016

IPB 020: The Lump Sum Funding Option

In today's episode we discuss the ins and outs of using a lump sum of money to fund your cash value life insurance policy (you can use universal life or whole life). With the paltry interest being paid

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IPB 019: What About Variable Universal Life Insurance?

We never talk about variable universal life insurance. It's true, the black sheep of the life insurance world isn't something we ever really discuss. And occasionally someone comes along to ask us about

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IPB 018: The Rich Man’s Roth

Did you know that whole life insurance is just for rich people? Have you ever heard that? Do you agree? It could be argued that all types of permanent life insurance (whole life and universal life) are

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Myth: Indexed Universal Life Insurance has Stock Market Exposure – Case Study

When we discuss indexed universal life insurance with new potential clients, they commonly mention that they already have stock market exposure, so they see no need to gain additional exposure to the

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IPB 017: Beating Up on the 529 Plan

Ever pick on something that was so easy to make fun of that it makes you feel a little bit guilty? Yep, me too. And that's exactly how I feel about the 529 plan. It's bad in so many different ways that

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Whole Life Insurance Five Year Investment Income Trend

Investment income is a huge profit driver for life insurance companies. We've spent a lot of time analyzing and reporting on overall investment yield trends for life insurance companies, but that analysis

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IPB 016: The Universal Life Insurance Expense Debacle

Perhaps you've heard or seen some of the rumblings about certain life insurance companies raising their cost of insurance (COI) charges on blocks of universal life insurance business. To be sure, this

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Five Reasons Whole Life Insurance is Better than a 529 Plan

  The 529 Plan began to materialize in the mid 1990’s taking inspiration from prepaid tuition programs in the state of Michigan. Since the initial formation it has become the dominate recommendation

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