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

2015 Whole Life Insurance Dividend Analysis

In 2013 we released the industry’s first public analysis on variation in dividends for major participating whole life insurance products. This analysis focuses on variation and trend of declared dividend interest rate at the seven most competitive life insurers who issue participating whole life and will publicly announce/disclose their dividend interest rate (more on this point […]


An Indexed Universal Life Insurance Success Story

I was recently reviewing an indexed universal life policy issued seven years ago. We do a lot of reviews for life insurance policies (especially the ones we ourselves put in force for people) and such reviews look at performance to date as well as a comparison to the original policy projection to review how things […]


Five Year Asset Growth Indexed Universal Life Companies

Insurance company asset growth is a measure of overall company success in accumulating assets. It’s a metric that certainly indicates positivity when the trend is upwards, but there are a few nuances that we have to keep in mind before ambitiously declaring a winner. Insurers can accumulate assets either through the new business process (i.e. […]


2015 Whole Life Focused Company Cash Flow Trend Analysis

Operating cash flow is the cash generated by an insurance company prior to the inclusion of investment income generated by managed assets. Under insurance statutory accounting rules, this is profits generated after deducting operating expenses. Insurers that have issued participating policies can cover planned dividend payments with operating cash and/or investment income. We look at […]


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 […]


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 […]


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


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 […]


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 […]


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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