All posts by Brandon Roberts
Overfunded Life Insurance
Overfunded life insurance, what on earth is that? I hear you cry out. Perhaps you ran across the concept mentioned briefly somewhere on the internet. Or maybe someone suggested that you buy an overfunded
Continue readingLife Insurance Commission: A Great Evil According to the Internet
Few subjects related to life insurance cause more hot-tempered debate than life insurance commission. Some believe it's an evil incentive that encourages agents to push “expensive” products
Continue readingWhole Life Insurance Dividend Options
Whole life insurance dividend options are one of the ways a whole life policy provides the policyholder robust versatility. Understanding these different options is crucial for the proper use of a dividend-paying
Continue readingCutting Whole Life Insurance Expenses Means Cutting Whole Life Insurance Guarantees
In most interactions with prospective clients who are interested in exploring a whole life policy, there's often a conversation that arises about life insurance guarantees. Given that most of the general
Continue readingReducing Whole Life Insurance Dividends When Running Illustrations
For years, insurance agents, companies, and purchasers have looked at hypothetical ledgers that delineate future policy values in an attempt to articulate policy functionality and understand how one policy's
Continue readingIPB 134: Holistic Financial Planning is Poised to Win Big
To kick off the new year, we are raising the white flag. We have to concede a position we've long held because consumer sentiment appears to overwhelmingly head in the opposite direction. For years,
Continue readingWhy don’t more Financial Advisors Sell Life Insurance?
The holiday season now firmly has its grip around many of us and since we opted not to produce an end of the year podcast that answered questions we receive from various readers and listeners, I figured
Continue readingWhole Life Insurance Rates: What’s the Cost of Waiting to Buy?
You are never going to pay less for whole life insurance than the amount you will pay this year. Whole life insurance rates become dramatically more expensive (actual dollar cost and the cost of lost
Continue reading2019 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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