Archive for the Insurance Pro Blog Podcast Category


IPB 058: When Your Insurance Company Decides to Go a Different Direction

  Typically when someone says, “we’ve decided to go in a different direction” I get the image of sitting in the conference room of my very first job post-college. The conference room was affectionately known as the “fish bowl” because it was all glass and all of your co-workers could gawk at you being admonished […]

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IPB 057: Stock vs. Mutual Life Insurance Companies

  The debate between life insurance company structure rages on into the 21st century. It’s not as big a headline as it once was in the industry. So, does that mean that we’ve decided that it really doesn’t matter? Obviously, there are real structural differences in the the capital structure and there are perceived differences […]

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IPB 056: No, You’re Not Rich…But You Could Be

  After taking another week off from recording a podcast we’re back and we’re taking another slight detour from diving into the minutiae of life insurance. Not to worry, today’s episode is related to life insurance but the relationship is tangential. Something we’ve seen repeatedly over the last several years is a notion that taking baby […]

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IPB 055: Can Financial Advice be Systematized?

Today’s episode is not one of our episodes where you’re going to get a bit-by-bit breakdown of a life insurance policy or concept totally dedicated to life insurance. No, today we get into a discussion that keeps popping up and that is one of designing the financial planning process to work as a more systematic […]

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IPB 054: Free Life Insurance?

  Sorry to disappoint you–we don’t have any free beer or life insurance. But we do have our first podcast of the new year and it’s a good one. Something we don’t often discuss oddly enough in our podcast that discusses life insurance…the death benefit. Typically, the death benefit is a secondary and necessary component […]

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IPB 053: Life Insurance is so NOT complicated

  Something we hear and/or read repeatedly is that a life insurance contract is simply too complicated for any mere mortal to understand. The complexity is just too great. How could ever understand what you’re actually buying? We don’t disagree that if you were to sit down and ready your policy from cover to cover […]

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IPB 052: Sequence of Returns Risk Is More Complicated Than You Think

  We’ve discussed “Sequence of Returns Risk” numerous times in the past, but most of those discussions focused on how this phenomenon affects your assets in a draw down period (i.e. a time when you are spending the money you saved to cover expenses and/or generate income). Today we want to talk about sequence of returns […]

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IPB 051: Who Should and Shouldn’t Buy Whole Life Insurance?

  One question that we seem to get repeatedly is, “Should I put all of my emergency fund into a whole life policy?” The first few times we got this question we figured maybe it was just coincidence? But, after having been around ye olde interwebs for over five years now, and talking to over […]

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IPB 050: Dividend Season 2016

  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 2017 dividend announcements but since they’re made in 2016 we refer to it as the 2016 season.) So far, we’ve heard from […]

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IPB 049: Why 10 Pay Whole Life Is Not So Great

  We are often asked about 10 Pay Whole life policies as a strategy to accumulate cash value at a more rapid rate. So, today were getting into why this might not be the best idea. As a quick review a true 10 Pay Whole Life Insurance requires just 10 premium payments.  After those 10 […]

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