Brandon Roberts 
Market corrections happen. Given their frequency, the chances are very high that you will live through a few of them once retired. This can be a scary prospect for a number of people. According to Charles Schwab Research, and reported on by Forbes, retirement accounts that cannot keep up with income needs is one of …
Interest rates are on the rise. Mortgage rates are up. Treasuries are at levels we haven’t seen in a while. Inflation is top of mind, and the Fed will likely continue raising rates until lofty inflation rates cool down–inflation levels we haven’t seen in a very long time. So with rising interest rates comes potentially …
There are life insurance agents, motivated by various marketing organizations, telling people that their taxes are going up. Way up. Mostly because Social Security is bankrupt. They even have a super assertive and amazingly authoritative person to reference. David Walker, the former U.S. Comptroller General…he’s been complaining about SSA for years. In fact, he predicted …
Life insurance agents often talk about internal rate of return (IRR) when discussing cash value life insurance. The term may appear exotic but put in simpler terms, it’s the rate of return you are achieving on the premiums that you pay into the policy. Equipped with this information, we can compare how putting money into …
In our 10+ years of talking about life insurance on the internet, we’ve mentioned a few times that cash value life insurance gets better with age. It’s a simple idea, but it comes with significant implications as we age. Our vulnerability increases as we get older, and this is when life insurance is at its …
Last year, Ohio National Life announced that it was looking to demutualize and be acquired by a Canadian Private Equity-created insurance holdings company named Constellation Insurance Holdings. While we didn’t predict demutualization was on the table for Ohio National, we weren’t surprised by the announcement. The company struggled for a few years, and those struggles …
We sell life insurance to a variety of people for a handful of reasons, and today I want to highlight one of the common themes involved when someone approaches us about a life insurance purchase. To be sure, there are several reasons why someone might want to buy life insurance. And when it comes to …
The internet is rife with hot tips on how to beat inflation. Since a lot of supposed financial media outlets compete with each other for top billing on Google, the majority of these articles are an incestuous party of underwhelming originality–or even actionability if I’m being wholly honest with you. The free-lancers who dabble in …
We’ve talked a good bit about how inflation might impact whole life insurance, but we’ve been much less vocal about how it might affect indexed universal life insurance. In theory, the products operate in a similar world and so should face similar consequences. But… IUL may have some short-term advantages. Since the interest earnings are tied …
I own stocks. This shouldn’t be a big revelation to anyone. I think I’ve been pretty transparent about my beliefs that whole life insurance and indexed universal life insurance are complements–not replacements–to equities. Some–a lot actually–of my personal stock picking would likely be deemed a tad exotic–high risk for sure. And it’s worked out pretty …
