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


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

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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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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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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Flexible Paid-up Additions Riders: When a Paid-up Addition is not just another Paid-up Addition

Paid-up Additions are a crucial component to whole life insurance when someone wants to focus on cash value accumulation. In fact, we declared the rider–the magic of cash value life insurance a long time ago. But we’ve tended to be real loosey-goosey about a very important distinction between paid-up additions, which was entirely by accident. And […]

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Top Indexed Universal Life Insurance Carriers for Cash Value Accumulation

Indexed universal life insurance is the product that can rival participating whole life insurance for cash accumulation and income strategies. It’s risk profile is similar, and it brings even more flexibility to the table than a well-designed blended whole life policy. Several months ago we dished on what carriers we felt were best bets for whole life […]

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10 Pay Whole Life Round Up: Who is the Best?

10 pay whole life insurance is a straight forward product. An insured/policy holder makes 10 payments to the contract and after that the policy is guaranteed paid up forever and always. Not surprisingly a given level of death benefit for a 10 pay whole life product will have a considerably higher required premium than a […]

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