Archive for the Life Insurance Design Basics Category


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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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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