Brandon Roberts 
Did you buy universal life insurance between 1980 and 1999? If you did, you might be entitled to compensation from predatory life insurance sales tactics that duped you into thinking that you could buy cheap life insurance without any notice that what you were doing was a potential disaster. For years, life insurance companies willingly …
Indexed universal life insurance reviews are in no short supply all throughout financial media as well as the internet. Recently, a review came from a source that most of us would consider authoritative on the subject. In a mini white paper titled A Critical Review of Indexed Universal Life, Scott Witt rolled out a multi-point …
With COVID-19 shutting down lots of major business activity in the United States, it’s no surprise that a lot of people are experiencing fluctuations in cash flow. For many, the exact impact this will have depends entirely on the length of the current shut down. For those out of work, working reduced hours, or those …
Several years ago, I published a blog post that used real whole life data results to compare to passive index investing results. The results showed that a well designed whole life policy that maximizes cash value comes extremely close to the results we can anticipate from passive index investing. That’s not, of course, to flat …
Investing in the stock market certainly has its advantages. It can produce some incredible new wealth for those who are disciplined (and in some cases lucky). But the market is not the panacea when it comes to wealth accumulation or retirement planning. It’s a tool one can (and most likely should) employ to grow assets. …
The U.S. stock market just wrapped up one of its worst weeks ever. The Dow Jones Industrial Average dropped around 17% this week alone. The S&P 500 finished the week down 13%. And the NASDAQ fell 12.6%. All of this comes following additional losses in earlier weeks. It’s been over a month since the S&P …
We started sounding the alarm about the sequence of returns risk way back in 2013. Since that time, others jumped on our train to warn retirement savers that one of the most dangerous risks they face is the timing of market movements. These movements can hit savers harder as they accumulate more assets and it …
Some financial bloggers appear to hate whole life insurance. A good lot of them have blog posts dedicated to extolling the virtues of term life insurance over whole life insurance. According to them, whole life insurance is: Expensive Illiquid A terrible “investment” Sold not bought Confusing And that’s just a few of the not so …
The Whole Life Insurance Study began as a question concerning the impact modern communication technology had on the sale of life insurance–specifically whole life insurance. Given the freedom to publish content anywhere and everywhere with varying degrees of knowledge and expertise, the lines between true knowledge and conjecture blur a bit. As such, people develop …
