About James Clarkson

James Clarkson has been a member since December 8th 2012, and has created 4 posts from scratch.

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IPB 095: When a Lower Rate of Return Gives You More Money


Life insurance provides more income with a lower rate of return


“Whole life insurance/universal life insurance is a terrible investment because the rate of return is horrible.”  We've heard that before.  You don't have to wander the interwebs far to find someone peddling this bologna.  If you don't believe me, see here, here, here, and here.  None of those four authors hold a license to sell life insurance, but I digress.

Though we’ve addressed this statement a few times on the Insurance Pro Blog, I wanted to distill the point many people miss into one simple notion that should be approachable by just about anyone.

Read More…

IPB 094: The Ticking 401k TimeBomb


The Center for Retirement Research at Boston College has released their latest report which compiles information from the Federal Reserve's: Survey of Consumer Finances (SCF) which provides a glimpse into 401k balances etc.

However, what's really important is the information lurking just below the surface. You've gotta read between the lines a bit to see it.

Listen to find out what's not apparent if you just read the research.

Here's a link to the actual research report

IPB 093: Indexed Universal Life In-Force Review


Well, it's the end of the year once again. As we typically do at this point, we're conducting policy reviews for our clients, evaluating how we've all faired in 2017 and making plans for the new year.

In the past, we've had some critics who've come along to point out what they deem are inherent flaws with indexed universal life insurance (IUL). As such, we're taking the opportunity today to review several in-force IUL policies that we have access to and deliver assessment of their actual performance.

Yes, we have actual numbers as opposed the all of the hypothetical ones our critics toss our way. We hope you enjoy the discussion!

We'll be back with renewed vigor in 2018. Thank you for your continued support!

IPB 092: Is Cash Value Life Insurance No Longer a Good Idea?


The trend for dividend interest rates for participating whole life insurance and the cap rates for indexed universal life insurance have been a long trend downward. No denying that.

But does that change our perspective on cash value life insurance?

IPB 91: 2017 Dividend Season


It's that time of year again…time for companies that offer participating whole life insurance policies to make their dividend announcements for the coming year. (And yes, we realize these are technically the 2018 dividend announcements but since they're made in 2017 we refer to it as the 2017 season.)

This year the “trend is not your friend…again” as there only two companies (that we follow) who have decided to hold their dividend interest rate (DIR) steady. All others decreased their DIR.

Most companies continue to cite a challenging environment for generating investment income as interest rates remain depressed. Obviously, no one expected long term interest rates to bump along the bottom for anywhere near this long.



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