All posts by Brandon Roberts

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,

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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

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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

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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

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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

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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

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May is Disability Insurance Awareness Month

It's May, which means it's DIAM, or Disability Insurance Awareness Month, the one time of year that a very crucial financial insurance tool that goes grossly overlooked by many finally gets a little bit

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When the New York Times Says Mean Things About Whole Life Insurance…

This week the New York times ran a piece on their web site that took a little knock at Whole Life Insurance.  So, when a writer at the NY Times takes a shot at whole life insurance like so many financial

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Large Term Life Insurance Cases

Are you a discerning individual looking for a term life insurance policy?  I don't mean large $1 million, I mean large at the very least $10 million and more.  Think it's crazy?  Remember life insurance

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Met Life and the Death Master Data File: Snoopy Made a $500 Million Oopsie

Recent news came out this week that Met Life (Metropolitan Life, for those not into the whole brevity thing) will pay about $500 million in a settlement over the whole Death Master File incident.  What

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Can Cash Value Life Insurance be a Substantial Retirement Vehicle?

Following up on the Cash Value Life Insurance as an Asset Class post, I wanted to spend some time talking about how Cash Value Life Insurance  get's used for retirement and wealth accumulation. Believe

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How Come People aren’t Laying Dead in the Streets? Retirement for the Baby Boomers

If you've spent any time reading the financial press you'll likely notice that Americans are chronic under-savers and this spells bad news for retirement.  In fact, it turns out we're so bad we recently

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Whole Life Insurance Distributions, the “Whole” Story

Life insurance agents love to fight over meaningless figures in an attempt to inflate the importance or attractiveness of their products.  Truth is, current facts and figures aren't going to matter all

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The Term Life Insurance Quoting Game

This one is intended for the consumers out there.  Ever tried to compare term insurance rates across an array of different carriers?  Ever wondered why some are consistently so low while others are incredibly

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Cash Value Life Insurance as an Asset Class

I've been meaning to do a piece on Cash Value Life Insurance as an Asset Class.  And this discussion will stem several additional posts to address how placing cash value life insurance in your personal

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Why Stock Market Returns Matter, But Not for the Reasons You Probably Thought

I've been known to quote stock market returns from a Compound Annual Growth Rate (geometric mean) point of view.  This calculation takes into account the effect time has on a rate of return and is wildly

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Allan vs. Pam: Bank on Yourself

Spring is here, time to enjoy warmer days (if you're with me in the Northeast), blooming flours, and a fight between a so called financial educator who hustles a selling system to insurance agents known

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Indexing In Monte Carlo

Now that we know the basics of indexing, we can dive into a much more interesting topic: Does it work?  We're going to use a hypothetical contract (it's actually a real contract from which I have borrowed

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The Indexed Approach

For several decades insurance companies have been using an approach to determining credited interest rate that is known as indexing.  It's a practice that has had it's detractors (yours truly for a little

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Wealth Building Opportunity

While most financial advice is heavily focused on maximizing return while minimizing fees (and this perhaps is one of the reasons so many people fail long term in their financial plan) I'm going to take

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How to Pick a Good Insurance Agent

Recently I got a little upset over a post made by another blogger who positions himself as a financial guru for a specific audience, and my issue with a particular piece he did was based on some serious

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How Policy Blending Works and Why You Want to Know about It

People know that I'm generally a pretty big fan of policy blending.  It's essentially a process of combining term insurance with a whole life policy to increase the MEC limit on a whole life contract

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Single Premium Whole Life Insurance, a Really Safe Place to Store Cash

I'm not going to commit personal finance heresy when I say that as we get older safety of principal becomes way more important than rate of return (personally I believe it's a lot more important even for

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Amateurs…Why I Love to Hate Them

Note: This one took some time and I'm a few days past my normal schedule. It seemed necessary. So I've known about this guy who is apparently an emergency room physician who got burned some years ago

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The Methodology Behind “Average” Rate of Return

When someone quotes the rate of return on a specific investment or quotes average returns on an index to support a theory behind achieving similar results in their investment, do you actually know what

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Looking for some Good Ideas for your Emergency Fund? Part 3 Reasons 6, 7, and 8

Here we are, the conclusive post to the Emergency Fund trilogy (sounds special).  Again, if you'd like a refresher on all 8 reasons from the original post they are: Increased rate of return Tax deferral Potentially

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Looking for some Good Ideas for your Emergency Fund: Part 2 Reasons 1-5

So last time we dove into general design, and this time around we'll be addressing why this is such a great idea.  I left off the last post with 8 reasons for using cash value life insurance as a spot

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Looking for some Good Ideas for your Emergency Fund? Part 1: Cash Value Life Insurance?

In the spirit of the Holiday Season, which just wound down for the most part (hurray I can drive by major commercial locations again!), I figured I'd make today's piece a sort of “holiday gift ideas

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An Oldie, but Goodie

I remember quite vividly the first time I saw this video.  I was still a career agent with one of the big 4 Mutuals and we had a special meeting conducted by the Director of Individual Life Sales.  He

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Should I Cash-In my Life Insurance (How CNN Got it Wrong and Why you should Care)?

Recently I cam across an article on the CNN Money Help Board posted from someone who was looking for some advice on deciding what to do with two life insurance policies he and his wife had.  The central

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