Archive for the Life Insurance Category


Top Indexed Universal Life Insurance Carriers for Cash Accumulation 2014 Edition

We all know indexed universal life insurance has taken its place at the top of the leader-board as the dominate form of universal life insurance when cash accumulation is a primary consideration. It’s also the #1 growing type of life insurance in the United States and has held this title for several years. There’s a […]

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Do Life Insurance Guarantees Matter?

Life insurance guarantees are sometimes heralded as a key benefit. Many whole life insurance contracts are sold with a focus on the fact that the policy boasts various guarantees that—while admittedly impressive in a relative sense to all other financial products—are often overplayed. But do these guarantees actually matter? And what does the guarantee represent—I mean […]

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7 Reasons to be Wary of Indexed Universal Life Insurance? A Response to Bank on Yourself

Pam and friends over at Bank on Yourself® released a blog post detailing the reasons to be wary of Indexed Universal Life Insurance complete with a video to further emphasize their point. It comes as little surprise that a marketing program that seeks to help insurance agents sell more whole life insurance would work to […]

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Top Whole Life Insurance Carriers for Cash Accumulation 2014 Edition

When considering the best whole life insurance for retirement savings or any other derivative dealing with cash balance focus (e.g. Bank on Yourself®/Infinite Banking®, collateral assignments, retirement income, etc.) it’s vital to pick a product and a carrier that can best accommodate this goal. Whole life insurance can be an excellent choice for accumulating cash […]

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Proper Assumptions about Indexed Universal Life Insurance Income

Using indexed universal life insurance for retirement income comes with a certain degree of skill and responsibility that shouldn’t be overlooked. The liberty an agent or broker can exercise over assumed interest rates means that we need to seriously test our design and proposed ideas to ensure proper expectations as it relates to policy performance. […]

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Indexed Universal Life Insurance: The White Coat Investor Responds

Last week we published a critical piece regarding a recent review of indexed universal life insurance that showed up on Jim Dahle’s website The White Coat Investor. Jim took our criticism seriously and on Friday of last week published a lengthy reply. Based on the time Jim has taken to address this, I felt it was necessary to offer […]

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Is Indexed Universal Life Insurance Just what the Doctor Ordered?

Most of our readers and clients are familiar with the White Coat Investor—a web site started a few years ago by Jim Dahle, a physician who practices Emergency Medicine. I’ve talked about Jim’s work before, once quite a while ago when he attempted to malign whole life insurance and again about a year ago when […]

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Indexed Universal Life Insurance: Another Weird Trick to get more Cash out of your Policy

Indexed Universal Life Insurance is the dominate form of fixed (i.e. not involving any direct investment in mutual funds) universal life insurance for cash accumulation, and just like whole life insurance can be manipulated by agents and brokers to maximize cash value produced by the policy. Just like last weeks discussion, the change that we […]

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Whole Life Insurance: “One Weird Trick” to get more Cash out of your Policy

We all want more money. And when it comes to getting more money, we tend to think that there’s an arduous task ahead of us marked with unrelenting sacrifice and persistence. But when it comes to whole life insurance there’s actually nothing we have to do. This seems counter-intuitive—if not downright impossible—but truth is getting […]

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