Archive for the Uncategorized Category


IPB 066: Life Insurance Design Q&A

  It’s been a while since we’ve done any sort of FAQ episode. So, today we remedy that with three of the most commonly asked questions we get about life insurance policy design when seeking cash accumulation as your primary goal. We answer the following questions: What is the 7 pay test and is it […]

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IPB 060: The Retirement Nightmare

  If you believe the government needs to figure out a way to help you better fund your retirement, you probably should just skip this episode. On the other hand, if you’d like to hear us discuss a recent survey regarding retirement preparedness and how 80% of Americans believe the government needs to fix their […]

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IPB 056: No, You’re Not Rich…But You Could Be

  After taking another week off from recording a podcast we’re back and we’re taking another slight detour from diving into the minutiae of life insurance. Not to worry, today’s episode is related to life insurance but the relationship is tangential. Something we’ve seen repeatedly over the last several years is a notion that taking baby […]

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IPB 015: The Infinite Banking Concept

  We’ve are often asked about the Infinite Banking Concept and our opinion of it. If we you want to read more about it, we’ve actually written some other posts about it in the past. You can find those here: Infinite Banking Lies About Universal Life Bank on Yourself, Infinite Banking, etc. Can You Bank […]

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187 What Should We Do When We Run Out of Other People’s Money?

“The problem with socialism is that you eventually run out of other people’s money.” Margaret Thatcher Not much that needs to be added to that quote. We are seeing what happens when the government devises plans that use flawed logic and a lack of mathematical fact. Is it really a big surprise that the health […]

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The Over-Loan Protection Rider

For years, the task of creating income from a life insurance policy was all about balancing the growth of policy loans against the growth of policy cash values. Assuming the policy cash values grew at a faster pace than the loan balance, everything was a-okay. But what happens if the loan balance outpaces the growth […]

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NEWS: Ohio National Life 2013 Dividend Interest Rate

Ohio National Life has announced its 2013 dividend interest rate. This was actually announced a few weeks ago, and announcing has been on the to-do list, but we were a tad side tracked. Ohio National will pay out $76 million in policy holder dividends for in 2013.

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003 The Financial Planning Fight Club

In this broadcast, we discuss: – The American College and the FPA are brawling–why? – Indexed Annuity sales are through the roof despite the naysayers – What’s the point of the SEC anyway? – Northwestern Mutual discovers that Americans actually LIKE life insurance…surprise!

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The Business Insurance Zone Day 3: Whole Life Dividends

Whole life dividends are a commonly misunderstood topic.  This is due in large part to the sometimes intentional convoluted nature of whole life insurance.  That’s not an attempt to knock it down.  Whole life insurance is certain a powerful and worthy insurance contract for your financial needs, and as an asset it certainly complements portfolios as […]

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Happy Birthday Insurance Pro Blog!

So this will be extremely self lauding, but today marks the 1 year anniversary of the Insurance Pro Blog!

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