All posts by Brandon Roberts

Allan vs. Pam Bank on Yourself Round 2: Pam Hits Back

Some time ago, I covered an article written by CBS Market Watch contributor Allan Roth, which was an exposé on the popular book Bank on Yourself®. I had hoped that it wouldn't die with Allan Roth's swipe

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Are They Going to Start Taxing Life Insurance?

This one has been around for a while but is picking up steam recently, are they going to start taxing life insurance? Given the fiscal cliff and the we have an answer no wait no we don't whip saw that

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NEWS: Ohio National Life 2013 Dividend Interest Rate

Ohio National Life has announced its 2013 dividend interest rate. This was actually announced a few weeks ago, and announcing has been on the to-do list, but we were a tad side tracked. Ohio National will

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Why Doesn’t my Financial Advisor like Cash Value Life Insurance?

I'll be very up front about the fact that I'm stereotyping badly with today's post regarding financial advisors and cash value life insurance. I realize there's a lot of liberal interpretation regarding

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Breaking News: Aviva Life USA sold to Athene Holdings – Athene usa

The long awaited deal is done and the sale of Aviva Life USA to Athene Holdings has officially been announced.

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Whole Life Blending, Does Cash Value Life Insurance Design Really Matter?

Whole life blending, as we've discussed before, is a process for designing cash value life insurance to maximize cash value available to the policy holder/client and income potential. Still, there are

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The Third Dimension of Cash Value Life Insurance

Cash value life insurance is a funny subject. I strongly admire and strongly detest this product within the American system of finance, long known for its stable returns and obscurity. Proponents tout

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What is Bank On Yourself®?

Bank on Yourself®  is the brain child of Pam Yellen and is a wealth building and financing strategy that focuses on the use of policy loans on a participating whole life insurance policy. The central

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When does a Modified Endowment Contract make sense?

Lots of agents learn very early in their career that a Modified Endowment Contract is a bad thing. Perhaps it's because they hold the first-in-first-out and tax free via loan distribution privileges in

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Breaking News: New York Life 2013 Dividend

The New York Life Insurance Company has announced its 2013 dividend. New York Life will increase its dividend payout by $100 million, an 8% increase in total dividends paid over last year.

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Breaking News: Penn Mutual Announces 2013 Dividend

Penn Mutual has announced its dividend for participating policies for 2013. Penn will pay out a total of $31 million in policy holder dividends, which represents a 2% increase over dividends paid out in

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Cash Value Life Insurance as an Asset Class – How it Works: Part 2 Universal Life Insurance

Last time I talked about designing cash value life insurance as an asset class using whole life insurance, today we'll dive into how it works for universal life insurance. Universal life insurance is often

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Breaking News: Guardian Life Announces 2013 Dividend

The Guardian Life Insurance Company of America has announced its dividend for 2013 on all participating policy holders. Guardian will pay out a total of $803 million in dividends to its policy holders,

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Cash Value Life Insurance as an Asset Class – How it Works: Part 1 Whole Life Insurance

It occurred to me somewhat recently that all my praise for cash value life insurance has left some unanswered questions regarding execution.  This is purely a function of precious little time and the

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Breaking News: Annuity Pull Backs Penn Mutual and Jackson National Life

This week we had two rather surprising announcements when Penn Mutual and Jackson National Life both announced limitations on new money to their annuity products due to annual capacity attainment. This

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Breaking News: Northwestern Mutual Announces 2013 Dividend

The Northwestern Mutual Life Insurance Company of Milwaukee, WI has announced its 2013 dividend. Northwestern Mutual will pay $5 billion in policy holder dividends, the largest payout in the company's

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Breaking News: Massmutual’s 2013 Dividend Announced

The Massachusetts Mutual Life Insurance Company of Springfield, MA has announced its dividend payout for 2013.  Massmutual plans to pay a company record setting $1.39 billion in policy holder dividen...

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Invest in Real Estate? Why not Modified Endowment Contracts?

Sometimes I just feel like being edgy, and throwing the words invest and Modified Endowment Contract about seems like a good way to be edgy. Of course this so called “edginess” is more a testament

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Special Announcement: Reliastar/ING Suspends Guaranteed Universal Life Products

Reliastar/ING has announced its plans to suspend all universal life products it issues that have secondary guarantees. In an announcement dated today October 17, 2012 ING cited difficult economic times

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Breaking News: Jackson National Annuities Life Pulls back on Variable Annuities

Jackson National Annuities Life joined the ranks of Prudential and Metlife this week when it delivered news that is would pull back on benefits from its variable annuity products. Jackson will continue

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Investment Grade Life Insurance?

Perhaps I should start a section on the Insurance Pro Blog called “Dumb Agent Tricks,” and it could be a new home for information on 7702 Private Plans and Investment Grade Life Insurance. I

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Second Dip? More Chartology; Just as Bleak as Last Time

We've heard a lot recently about the fiscal cliff and the second dip, so recently I decided to spend a weekend reviewing stock market charts. Some of you might remember this guy from last year. Consider

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2013, The Estate Tax, and You

The Estate Tax is set for a nasty reset come the end of this year if Congress does not act to extend current legislation, or create new. We've steered clear of political discussions on the Insurance Pro

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BREAKING NEWS: Prudential Financial Halts Contributions to Popular Variable Annuity Contracts

In a world that has seen more and more hurried announcements of product closures, Prudential Financial made a quick announcement at the end of August that it was stopping future contributions to it's Highest

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Modified Endowment Contract: Pro Blog Style

Modified Endowment Contract is frequently known as a condition where an insurance contract becomes “paid up” within 7 years. That's an okay understanding of a basic principle (it served me

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What Northwestern Mutual’s Latest Conspicuous Investment Adds to the Cash Value Life Insurance Discussion

Northwestern Mutual is a large mutual life insurer well known for it's financial stability and smug career agency sales force. Another thing the “Quiet Company” is somewhat well known for within

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Direct Recognition vs. Non Direct Recognition

The debate between direct recognition and non-direct recognition is a long-standing one. Be sure to review both of our earlier posts on these topics for more in-depth explanations. So, which is the superior

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Whole Life Dividends: Direct Recognition

Picking up from where we left off last time on whole life dividends, direct recognition is the opposite strategy to non-direct recognition. It’s the newer approach to handling the payment of dividends

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Whole Life Dividends: Non Direct Recognition

In the interest in filling in some obvious knowledge gaps, we figured we’d do a quick piece on non-direct recognition. In fact, we’ve decided to do a series on dividend recognition this month. Hopefully,

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Bill Gross: Stocks are Dead?

Bill Gross of PIMCO, the authority on bonds (or so they say) announced earlier this month that the days of investing in equities for the long run (you know the sales slogan of Merrill Lynch, Morgan Stanley,

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