Archive for the Life Insurance Category


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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Even Bad Whole Life Insurance has worked out Pretty Well

Bad whole life insurance, the stuff that isn’t designed the way we suggest it should be, sometimes catches fire for its so-called poor returns. Those with something to sell you that isn’t life insurance (i.e. that competes for those dollars) like to focus on fees and talk about how terrible the product is. And in recent […]

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Why Life Insurance Policy Loans Help You Save Money

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Podcast: Play in new window | Download 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® […]

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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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