All posts by Brandon Roberts

2019 Whole Life Insurance Dividend Announcements

It's November and that means it's time for most major U.S. life insurer who have any significant focus on whole life insurance sales to announce anticipated dividends for next year.  We've already heard

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Do You Pay Taxes on Life Insurance Payout?

There are so many questions about what taxes one must pay on life insurance proceeds. But one that we get a lot is, do you pay taxes on life insurance payout?  The subject can be a bit intimidating for

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The Key to Selling More Whole Life Insurance

Seven years ago the Insurance Pro Blog started as a resource to "demystify life insurance."My original purpose was to spread the good word on life insurance--specifically whole life insurance and eventually

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Whole Life Insurance Pros and Cons

First, I feel the need to provide context for this post. 99% of our clients want to use cash value life insurance as an asset class. Which means people need to distinguish whole life insurance from

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Whole Life Insurance Dividend Rates Exposed

Every year, usually sometime in November, life insurance companies that sell participating whole life insurance report their plans to pay dividends to policyholders. When the insurance companies talk about

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TEFRA DEFRA TAMRA: How Taxes Effect Life Insurance

Life insurance enjoys some unique tax benefits, but it also faces limits imposed by legislation we know as TEFRA DEFRA and TAMRA.  These pieces of legislation established specific guidelines as to what

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Is 10 Pay Whole Life Insurance Any Good?

Using whole life insurance as a place to store cash and to accumulate wealth works well for people who have a decent amount of discretionary income and realistic expectations. Most life insurance companies

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Best Whole Life Insurance Products for Cash Value 2018

We originally released our opinion on the best whole life products for cash value accumulation in 2013.  We re-visited the subject in 2014, and then never again discussed the topic.  In truth, the topic

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The DOL Rule is Dead

The DOL Fiduciary Rule is dead.  It went out with an unceremonious whimper last week.  Financial media sources covered the news almost no one cares about through short articles noting the progress that

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