Archive for the Cash Value Life Insurance as an Asset Class Category


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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Historical Whole Life Insurance Dividend Changes: 2015 Edition

Whole life insurance dividend changes often happen once per year and we generally get excited near the end of the year when most companies announce these changes. We’ve been tracking and announcing changes when they become available for the past several years and will continue to do so in the future. The anticipation for the […]

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Five Year Indexed Universal Life Insurance Company Investment Return Trend: 2014 Edition

Indexed universal life insurance investment return on assets is an indicator we use to measure how well an insurer can maintain returns on its cash value products. Just like the whole life insurance investment return trend we published earlier this month, the same general principal applies (i.e. a higher return on assets held at the insurance […]

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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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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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