Archive for July, 2016


IPB 037: What Whole Life Product and When?

In this week’s episode, we dip into the mailbag to answer a question submitted by someone in our audience. Olivia writes, “Would you discuss the differences for some specialty whole life insurance products and when they might be appropriate for someone?…7 year pay premium, 10 year pay premium, interest sensitive” So, we’re answering that question. If you […]

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IPB 036: How Negative Interest Rates Could Effect Life Insurance

There’s a lot in the news recently about negative interest rates. It’s surreal to think that central bankers have gone to such extremes in attempt to stimulate economic growth. If you don’t know what I’m referring to

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IPB 035: Fee Disclosure Is Just a Marketing Tactic (life insurance myths debunked part 5)

In the world of evaluating life insurance policies (something we do daily), it’s possible to get bogged down in a discussion of fees. And sadly, it won’t do much good. If you’re looking at fees associated with whole life insurance, good luck. The product is not transparent (nor is it required to be) regarding what fees […]

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IPB 034: Yep, They Take Your Money When You Die (life insurance myths debunked part 4)

  There’s no doubt a number of people have made arguments against the ownership of cash value life insurance. You don’t have to spend a lot much time surfing ye olde’ interwebs to find such evidence. Too many of these arguments are propped up on misinterpretations of the various products that exist–heck even the agents […]

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