Search Results for: investment income
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. …
Indexed Universal Life Income Distributions in the Lost Decade
Last week, we discussed the results one could get from indexed universal life insurance from 2001 to 2010. We also looked at how this type of policy performed if the market returns from this time period were repeated over and over again every 10 years. We wanted to evaluate how IUL behaved during a sustained …
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. …
Does Whole Life Insurance Dividend Recognition Affect Projected Income?
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 …
Is Whole Life Insurance a Good Investment for a Child?
Buying whole life insurance for your children seems like a good idea. It acts like a savings account you set up for them that one day they can use and take advantage of the cash value in the policy. But there are several logistical hurdles to juvenile life insurance that you need to understand before …
Is Whole Life Insurance a Good Investment for Retirement
Whole life insurance can be a great option as a complementary asset for retirement planning. But there are good and bad options, so we’ll walk you through what makes whole life insurance worthwhile for retirement planning. The main reasons to use whole life insurance as a means to prepare for retirement are: Safety Taxes Diversification …
Whole Life Insurance as an Investment
If you spend any time looking around this site, you’ll find plenty of content detailing the various features of whole life insurance. We’ve detailed at length the use of whole life insurance specifically for its ability to accumulate cash value that the policyholder can use while he/she is alive. But we do not refer to …
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 …
