All posts by Brandon Roberts

The Business Insurance Zone Day 5: Life Insurance Loans

Life Insurance Loans are the one thing just about every agent who has cash value life insurance in their quiver can tell you about. And why? Because they're TAX FREE! But wait, there's more… httpvh://www.youtube.com/watch?v=GzIzsHWuSUg&hd=1 Unfortunately,

Continue reading

The Business Insurance Zone Day 4: Income Scenarios Indexed Universal Life

Indexed Universal Life has become a star of the cash value life insurance world, but oddly this relatively simplistic product has been the center of a little confusion–unfortunately in large part

Continue reading

Life Insurance Awareness Comes 10 Days Early

It's August, time to think about Life Insurance? That likely isn't an intuitive statement, but those of us in the know  understand that September happens to be an awareness month marked by the acronym

Continue reading

The Business Insurance Zone Day 3: Whole Life Dividends

Whole life dividends are a commonly misunderstood topic.  This is due in large part to the sometimes intentional convoluted nature of whole life insurance.  That's not an attempt to knock it down.  Whole

Continue reading

The Business Insurance Zone Day 2: Guaranteed Universal Life Insurance

Guaranteed Universal Life has been a star life insurance product for a number of years. It became the number one answer to permanent death benefit for the lowest possible premium.

Continue reading

The Insurance Pro Blog Get’s in the Zone

All this week I'll be appearing on The Business Insurance Zone with Steve Savant.  Steve and I will be discussing competition aspects of the industry, including the foolish things agents, IMO's, and carriers

Continue reading

Universal Life Insurance is NOT the Cheap Alternative to Whole Life Insurance

Universal Life Insurance rolled out to a lot of excitement and confusion.  Originally released in the late 70's, this products was incredibly innovative for it's day.  A premium that could be adjusted

Continue reading

Buying Life Insurance Part Two: Underwriting

Life Insurance underwriting can be a somewhat cryptic topic.  Today, we'll talk about what the is needed for underwriting, and how decisions get made.  Most of this discussion will focus on what a client

Continue reading

Aviva Life For Sale?

There has been some speculation for a little while the Aviva Life would sell it's U.S. life insurance business and stories are starting to ramp up.  Aviva, one of Britain's largest life insurers, has

Continue reading

Employer Owned Life Insurance, It Might Not Be Quite What You Think

Employer Owned Life Insurance is a funny topic.  Funny in the way religion divides the masses and causes all kinds of fun (and not very amicable) discussion.  And, a lot like religion, there's a fair

Continue reading

Numerical Illiteracy, it’s Worse than You Thought

  Today the most fascinating experiment on the human condition took place on (of all places) Facebook.  When I took my somewhat usual stroll into check Facebook this morning I happened upon a post

Continue reading

The Financial Planners are Turning to Alternative Investments and Life Insurance is on their List

We've been hammering the alternative investments point pretty hard lately, and this is because the financial services industry is abuzz about what to do with its tarnished image for cuddling up with the

Continue reading

4-6% Historical Return with very Limited Risk: The Idea Par Excellence in Alternative Investments

Alternative Investments? You say…hear us out. I'll admit it, I have a certain penchant for the unusual and I have a huge tendency to buck the trend. According to certain personality tests circulating

Continue reading

Dear Insurance Pro Blog: 7702 Plan

We recently received the following email from a fellow reader about the 7702 Plan post: Dear Brandon, Why so much hate for 7702 Plans? I've been following your blog for a few months now, and for the most

Continue reading

Special Announcement: Ohio National Whole Life Dividend Announcement

Ohio National Life has announced their whole life dividend for the next year.  Both rates, the 5.9% rate on the closed block of whole life business and the 6.15% rate on the open block of whole life

Continue reading

What is a Pension?

Ah the Pension.  A long sacrosanct retirement vehicle known for its rigidity and stability.  The anchor that led many American's into a comfortable retirement.  That was, until the late 70's early 80's

Continue reading

What is an Annuity?

When it comes to financial planning and insurance products the annuity is traditionally regarded as the product that disperses or liquidates a sum of money.  Long known for their reputation as the safe

Continue reading

An Introduction to Estate Planning

Estate planning is a subject that traditionally incites images of stuffy topics that require obtuse attorneys who spend all of their time fascinating over abysmal tax implications.  While this assumption

Continue reading

7702 Plan: Always a Bad Idea or Simply Misunderstood?

Several years ago (the details as to exactly when are a little hazy), someone somewhere within the insurance industry made a fascinating discovery, which gave way to something referred to as a 7702 plan. What

Continue reading

Ohio National Life Term: You Had No Idea a Mutual Could Write Term this Cheap…Did You?

Ohio National Life, the 100 some odd year old life insurance company from Cincinnati known for having a good…well…almost everything. Most of the time, we can segment companies by being rockstars

Continue reading

Modified Endowment Contract: MEC Should You Be Worried?

Anyone who has looked into cash value life insurance has probably come across the term Modified Endowment Contract (MEC). Those with flexible premium policies may have noticed a portion of their statements

Continue reading

Cheap Term Insurance? Should we Talk about Banner Life Insurance?

If you were to spread sheet quotes from life insurance companies (or have your agent do it) near the top of the list for low price premiums would likely fall a tiny insurance company owned by a massively

Continue reading

Why You No Sell More Disability Insurance?

As the month of May comes to an end, we figured we take a second to explore why more agents/brokers don't focus more of their efforts on discussing disability insurance with their clients? If you've been

Continue reading

How Important is Pure Own-Occ Coverage for Your Disability Insurance Policy?

I might kill a sacred cow today as we talk about disability insurance (PS: May is almost over meaning this disability insurance bonanza is soon coming to an end), but going against the grain is just sort

Continue reading

Qualified Sick Pay Plans: The Ultimate Disability Insurance Plan for Small Business Owners

No agent, and no insurance company, can declare himself or herself a professional in the disability insurance market if he or she is unfamiliar with Qualified Sick Pay Plans.  For small business owners,

Continue reading

Mental Nervous Disorders and Disability Insurance

One of the trickiest health conditions to navigate in disability insurance underwriting is a mental nervous disorder.  It used to be the kiss of death for any hopeful proposed insured, and thankfully

Continue reading

Residual Disability Insurance Riders

Disability insurance comes with a multitude of different riders to enhance the contract.  Today we'll dive into what those riders do for you.  Additionally, we'll also touch on some contract features

Continue reading

Individual Disability Insurance a Primer

This is where we probably should have started with disability insurance, but being such geniuses we decided to take a long road to grandmas house (i.e. we never thought of it until now).  So, if you're

Continue reading

Prudential Joins the Indexed Universal Life World

Indexed Universal Life has hit the financial world in a big way over the past decade.  It's been loved by many agents and clients, and loathed by stock brokers and insurance companies that didn't have

Continue reading

Disability Insurance Definition of Disability…It can’t be that Important, can it?

I remember when I was studying for my insurance license and I came across the disability insurance section.  I was sitting in my sales manager's office going through items and I commented that own-occupation

Continue reading