Archive for the Life Insurance Category


Why Life Insurance Policy Loans Help You Save Money

Life insurance policy loans are a long standing feature of cash value life insurance. And this feature can be a very powerful financial tool at your disposal when used correctly. I would even argue that this feature should be the focus of such books as Bank on Yourself® and Be Your Own Banker®. Having a [...]

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The Life Foundation’s Miserable Valentine’s Day Fail

While we have no particular interest in being pariahs, we certainly have received a good amount of admiration for holding the insurance and financial services industry accountable on its many foolish blunders. To be fair, it’s not as though this industry is unique and with an overabundance of missteps and such, we just happen to [...]

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Why do we See more Income from Universal Life Insurance than Whole Life Insurance?

We make a lot of comparisons at The Insurance Pro Blog and whenever and even more behind the scenes at The Salus Agency. And one of the biggest questions that consistently comes up from some of those comparisons has to do with the gap between income projections for universal life insurance and whole life insurance. So [...]

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Two Whole Life Policies and Two Different Modified Endowment Contract Limits?

We recently received a really good question regarding whole life insurance and modified endowment contracts that seems like it should have already been the subject of an Insurance Pro Blog article, but alas we skipped over this excellent opportunity to discuss a minor—although interesting and potentially important—quirk to modified endowment contract calculations. The question was pretty [...]

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Why the Blended Whole Life Idea is Conceptually Perfect, but sometimes Practically Flawed

Blended whole life insurance has long been a mainstay subject at the Insurance Pro Blog. Dare I go so far as to say it’s the subject that acted as the catalyst for the site’s existence (that might be a tad sensationalist, but also not incredibly far off from the truth). We’ve explained numerous times how [...]

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Cash Value Life Insurance General Design: The Reserve

Whole life insurance and universal life insurance are both known as permanent life insurance products. For most people that understanding is good enough, but by design there is something that must be done to make the policy permanent, and the design feature that makes these products permanent is the policy reserve.

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If the Market Rally Continues is Indexed Universal Life Insurance Dead in the Water?

Following up on last week’s article regarding whole life insurance and improved market conditions, we’re bringing the same question up about indexed universal life insurance this week. Since we already covered some of the more intangible issues with this consideration last week, we’ll skip most of that this week (except for one nuance regarding indexed universal [...]

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If the Market Continues to Rally, is Whole Life Insurance Dead in the Water?

It’s been a pretty good run for whole life insurance over the course of the last five years. 2008 scared the pants off many Americans and has reminded us all that maybe being an “investor” isn’t all it’s cracked up to be. As the blood pressure among our investment salesmen and women slowly rises following [...]

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Indexed Universal Life Insurance Company Asset Yield Comparison

Oops!! Not sure what happened with our other post today…but hopefully it works this time.  Thanks for your patience. As a form of cash value life insurance that can be manipulated for asset building purposes indexed universal life insurance has many coveted features. But just like we noted in the whole life insurance company asset yield comparison it’s wise [...]

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