Archive for the Insurance Pro Blog Podcast Category


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 […]

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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 […]

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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?

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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 […]

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IPB 090: Is Cash Value Life Insurance Expensive?

  Over the past few weeks we’ve had a half-dozen or so conversations with folks who would like to understand the expense of owning cash value life insurance. Yes, for the sake of our discussion we are lumping together whole life and universal life insurance. How can we do that? Aren’t they distinctly different products? […]

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IPB 089: The Misery of Retirement

  The 2017 Boomer Expectations for Retirement survey from the Insured Retirement Institute reveals that things are not really improving for Boomers as they move into and toward retirement. There are more than a few disturbing statistics to share. I recommend you follow along with the report as you listen to this week’s episode, it […]

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IPB 088: Do Increased Expense Charges Really Cause Problems for Universal Life Insurance?

  It seems there’s no end to the bad news in our industry as it relates to increased COI/expense charges for universal life insurance policies that were sold by SOME companies. Lawsuits are popping up and embarrassing company practices are being revealed. First, let’s get a few things on the table… Yes, within every universal […]

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IPB 087: Listen Carefully, We Have Something Important to Tell You About Life Insurance

  Often times, understanding the power of cash value life insurance requires a paradigm shift. It’s not all that complicated really, just not entirely comparable to anything else. A vast majority of folks that we talk with have some sort of vernacular when it comes to investing, saving or building their financial plan. They understand […]

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IPB 086: You’re Focusing on the Wrong Thing

  Following up our episode from last week¬†where we discussed how an indexed universal life (IUL) policy would have fared over the last 10 years, we thought it would be interesting to dig into THE most powerful aspect of IUL in our opinion–years when the market index has a negative return. This is something we’ve […]

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IPB 085: Double Your Money in 10 Short Years

  If you’d invested at the very top of the last market cycle–October 9, 2007, you’d now have slightly more than doubled that investment (according to the Wall Street Journal) despite the vomit-inducing period of the next few years where you watched your money cut in half. That’s all fine but when I saw that […]

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