Whole Life Insurance Five Year Investment Income Trend

Investment income is a huge profit driver for life insurance companies. We’ve spent a lot of time analyzing and reporting on overall investment yield trends for life insurance companies, but that analysis only compares the raw yield insurers achieve on their managed asset pool.  It’s possible that a declining yield simple indicates a de-risking strategy. …

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What You Need to Know About Retirement Income Planning

If you’ve read any of our other articles that go into detail about various techniques or strategies to address retirement income planning, you’re probably not shocked that we believe it is a significant discussion.  And quite honestly, we believe this is one of the biggest boondoggles for financial advisors, investment companies, and life insurance companies. …

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Does Whole Life Insurance Dividend Recognition Affect Projected Income?

Whole Life Income Accuracy

Dividend recognition deals with how a life insurance company pays dividends to policyholders when they take loans out against their policies.  The two options are non-direct recognition (where policyholders receive the same dividend regardless) and direct recognition (where policyholders receive an adjusted dividend when a loan is outstanding). For years insurance agents argued the virtues …

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How to Plan Retirement Income

It occurred to me recently that 2018 marks a milestone anniversary for me.  I’ve now worked professionally in the financial services/insurance industry for 10 years.  That’s 10 years of being paid to assist people to navigate various financial mazes.  Most usually the primary topic at hand is life insurance, but there are plenty of circumstances …

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How Does Life Insurance Create Retirement Income?

We all understand that life insurance provides a death benefit, but its ability to offer additional financial resources are spectacular and often understated.  If you’ve researched the topic of life insurance at all, you’ve likely run into mention of using life insurance to create income.  Many time the discussion revolves around retirement income and this …

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