Archive for the Life Insurance Category


Whole Life Insurance Pros and Cons

First, I feel the need to provide context for this post. 99% of our clients want to use cash value life insurance as an asset class. Which means people need to distinguish whole life insurance from indexed universal life insurance. Yes, there are other products. But none that we feel are worthy of consideration. Which is better? What are […]

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Could Your Loan Rate on Your Indexed Universal Life Insurance Drive Your Cap Rate Down?

Recently there have been some rumblings in the life insurance industry. I know, big surprise. It seems life insurance agents and industry professionals love to disagree. First, make sure you read last week’s post, “Introduction to Indexed Universal Life Policy Loans“. It’s important for you to have context for the discussion below. The particular disagreement […]

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Introduction to Indexed Universal Life Insurance Policy Loans

Indexed universal life insurance policies generally offer two types of policy loans. Though the language can be a bit intimidating to some, by the end of this introduction, you should have a solid understanding of what’s available and how the different loan options work. Typically, indexed universal life insurance policies have two loan options. The […]

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Indexed Universal Life Insurance Pros and Cons

A common question we get asked involves indexed universal life insurance pros and cons. The internet has a very difficult time telling the difference between whole life insurance and universal life insurance (in fact it often considers them the same thing) so it comes as little surprise that people are often very confused about what […]

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Blended Whole Life Insurance versus the Stock Market

About two years ago, we put out an article with real historical results of a blended whole life policy. The policy was shared on the Bogleheads forum (of all places). The compound annual growth rates of that policy and the S&P 500 were close. But, I made a mistake in my comparison…

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Five-Year Whole Life Insurance Company Investment Yield Trend: 2015 Edition

A life insurance company’s yield on assets is a great metric to watch with respect to inferences concerning the cash performance within policies. Since life insurers use the yield achieved on managed assets to support policy benefits this statistic is of extreme importance to us especially when we focus on cash accumulation values within a […]

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Paid Up Additions: How to Create Flexible Whole Life Insurance

The fixed premium in whole life insurance gives many people a fear of commitment. But, it doesn’t have to be this way. You need not approach whole life insurance with apprehension. The annual premium is not the massive financial commitment it appears to be. If buying whole life, don’t buy a policy that commits you […]

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Best Performing 10 Pay Whole Life Products for Death Benefit: 2015 Edition

Last week we revealed results of our 10 pay whole life comparison for cash surrender value and this week we have the results comparing the death benefits of various 10 pay whole life products. The comparison uses data collected from the same policy proposals used in the cash value comparison. Male and female ages 45 […]

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Best Performing 10 Pay Whole Life Products for Cash Value: 2015 Edition

We’ve gathered information on the best performing 10 pay whole life products for 2015 looking at cash value rate of return. As a quick review

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The Myth of the Rising Cost of Universal Life Insurance

For years, those who favor whole life insurance have told us that universal life insurance has an evil side. The product with an optimal expense structure that affords the policyholder ample opportunity to adjust premiums as personal finances require also possesses the nasty cost of “shifting the risk back onto the policyholder,” thus (a favorite […]

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