Brandon Roberts Whole Life Insurance July 4, 2026 · Brandon Roberts Inside the General Account: How Life Insurers Build Your Whole Life Dividend Northwestern Mutual just announced a record $9.2 billion dividend payout for 2026 — about a billion more than the year before, and the largest three-year dividend increase in the company’s history. MassMutual is paying …
Universal Life Insurance Universal Life Insurance Was Built With Rational Exuberance June 27, 2026 · Brandon Roberts Universal life insurance is the product everybody loves to dunk on. The vanishing-premium horror stories, the lawsuits, the agent who swore the premium would disappear and then mailed a letter twenty years later saying it wouldn’t. If your …
Financial Planning June 21, 2026 · Brandon Roberts Financial Planning for High-Income Earners (Beyond the List) If you make $400,000 or more a year, you have already received the standard advice — max the 401(k), open a backdoor Roth, consider a mega backdoor on top of that, pay attention to asset location, fund the HSA, …
Retirement Income Planning June 12, 2026 · Brandon Roberts Life Insurance vs. Annuities for Retirement Income: Which Strategy Wins? If you have money set aside and you are trying to figure out whether a life insurance policy or an annuity is the better way to generate retirement income, the honest answer is that it depends. …
Whole Life Insurance June 6, 2026 · Brandon Roberts Whole Life Insurance Dividends: Easy to Model, Impossible to Predict A whole life illustration shows a year-30 internal rate of return near 5 percent. You ask a fair question: what happens if the dividend scale falls? The software answers in seconds. Lower the assumption by 50 …
Case Study May 17, 2026 · Brandon Roberts Whole Life as Portfolio Insurance: A Windfall Case Study A large, unexpected gain changes the planning problem. The question is no longer how to build wealth. It is how to keep what you just earned without giving up the upside that got you here. Whole life insurance …
Whole Life Insurance Does Infinite Banking Work? Yes, For Borrowers Only March 5, 2026 · Brandon Roberts Infinite banking works. The problem is that it gets pitched to almost everyone, when it only makes sense for a narrow group of people. If you have seen the concept sold as a universal savings hack or a …
Whole Life Insurance May 28, 2026 · Brandon Roberts How Rising Interest Rates Are Boosting Whole Life Insurance Dividends Most people are taught that the Federal Reserve sets interest rates. It doesn’t—not the ones that matter most for your whole life policy. The bond market sets those, and lately the bond market has been overruling …
Annuities May 4, 2026 · Brandon Roberts Should You Buy a RILA? A Skeptical Look at Buffer Annuities A note before we begin: RILAs are registered securities, and we do not sell them. We sell fixed annuities — SPIAs, MYGAs, and fixed indexed annuities. This article is educational, not a recommendation for or against any …
Indexed Universal Life Insurance April 26, 2026 · Brandon Roberts We Tried to Blow Up an IUL Policy — How Bad Does Your IUL Design Have to Be Before It Actually Fails? There is a story that has followed indexed universal life insurance around for decades. It usually starts with a friend of a friend, …