All posts by Brandon Roberts

BREAKING NEWS: MassMutual 2018 Dividend

MassMutual announced its plans to pay participating policy holders a combined $1.6 billion in dividends.  This total payout will be 

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BREAKING NEWS Northwestern Mutual 2018 Dividend Announced

Northwestern Mutual Life announced its plans to pay policyholders an combined $5.3 billion in 2018.  This dividend payment will be represent a

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Five-Year Whole Life Insurance Company Investment Yield Trend: 2016 Edition

  For five years, we have tracked the investment yield trend of whole life insurance companies and we continue to analyze this data every year because investment income is a primary driver of dividends

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Life Insurance a Potential Hedge Against Sequence of Returns Risk

Last week we discussed how sequence of returns affects wealth accumulation. It was the first time we discussed the notion of sequence of returns risk in the light of accumulation rather than spend down

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IPB 052: Sequence of Returns Risk Is More Complicated Than You Think

We’ve discussed “Sequence of Returns Risk” numerous times in the past, but most of those discussions focused on how this phenomenon affects your assets in a draw down period (i.e. a time when you

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BREAKING NEWS: Penn Mutual Life 2017 Dividend Announced

The Pennsylvania Mutual Life Insurance Company announced its plans to pay participating policy holders a total of $58 million in dividends for 2017. This represents an increase over last year of

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2016 Whole Life Insurance Dividend Analysis

  You can find the latest Whole Life Insurance Dividend Analysis Here Since 2013, we have published the only public analysis on variation in dividends for major participating whole life insurance

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BREAKING NEWS: Guardian Life Announces 2017 Dividend

The Guardian Life Insurance Company of American has announced its plans to pay $847 million in dividends to its participating policy holders. This represents the highest gross dividend payout in the company's

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BREAKING NEWS: MassMutual Life Announces 2017 Dividend

  The Massachusetts Mutual Life Insurance Company announced its intentions to pay $1.6 billion in dividends to policyholders in 2017. This represents a decrease from 2016 of

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BREAKING NEWS: Northwestern Mutual Announces 2017 Dividend

  The Northwestern Mutual Life Insurance Company has announced its intentions to pay $5.2 billion in dividends to policyholders in 2017. This represents a decrease from the 2016 dividend payout of $400

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Whole Life Insurance has a Strong Risk Adjusted Return – Historical Evidence

  Three years ago this past Friday we published one of the most significant blog posts on this web site. This post, and a successor post we published last year remain some of the most popular content

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2015 Operational Cash Flow Growth for Whole Life Focused Life Insurers

We’ve reported on operational cash flow among life insurers in the past and note that we hold this metric in high regard for a multitude of reasons. Our philosophy is that operational cash flow shows

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Myth: Indexed Universal Life Insurance has Stock Market Exposure – Case Study

When we discuss indexed universal life insurance with new potential clients, they commonly mention that they already have stock market exposure, so they see no need to gain additional exposure to the

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Whole Life Insurance Five Year Investment Income Trend

Investment income is a huge profit driver for life insurance companies. We've spent a lot of time analyzing and reporting on overall investment yield trends for life insurance companies, but that analysis

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Five Reasons Whole Life Insurance is Better than a 529 Plan

  The 529 Plan began to materialize in the mid 1990’s taking inspiration from prepaid tuition programs in the state of Michigan. Since the initial formation it has become the dominate recommendation

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The Power of Whole Life Insurance in a Down Market

  A few weeks ago a client of ours (we’ll call him Ted to protect his identity) reached out to us looking to take a policy loan from a whole life policy he owns. A unique and, arguable rare, opportunity

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Risk Adjusted Return for Life Insurance Assets – Whole Life Insurance

I personally take risk adjusted rate of return very seriously. My focus on it largely comes from the notion of taking calculated risks to achieve various levels of return. For example, one might make a

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Life Insurance as an Income Producing Asset with the Power of Leverage

  We’ve talked a lot about using life insurance as an income producing asset. Many people stumble a bit when they first attempt to wrap their head around the notion of using “insurance” either

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When a 5.75% Return is Better than an 8% Return

It’s not uncommon to hear an investment salesperson or financial guru looking to chum the waters for a possible comment section debate make a statement like “whole life insurance/universal life insurance

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Think 8% Returns are Realistic? At Least One Robo-Advisor Disagrees

  For years the investment industry—and various financial gurus—have told us that we can achieve an 8% (or better) return on our money by “investing in stocks.” That statement is vague on

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Sequence of Returns Risk and Indexed Universal Life Insurance

We’ve addressed the subject of sequence of returns risk in the past. We’ve even discussed it on the new Insurance Pro Blog Podcast. This subject has become a hot topic in more recent years as financial

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Case Study: Whole Life Insurance vs. Bond Strategy

  We receive phone calls and emails every week from people looking to “de-risk” their portfolio and possibly add life insurance as a complement to their other investment and savings strategies. A

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Argument against Permanent Life Insurance: Lack of Fee Disclosure

In our final installment of the five most common arguments made against permanent life insurance we’ll take on fees or the lack of a discussion about fees, as high fees were already discussed. The

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Argument Against Permanent Life Insurance: They Steal your Cash when you Die

This weeks edition of senseless arguments levied against whole life insurance and universal life insurance is one my very favorites. Even though I’ve addressed this topic before, I couldn’t pass it

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Argument Against Permanent Life Insurance: Good Returns take too Long to Materialize

Next up in our installment of arguments against permanent life insurance is the notion that returns are negative in the beginning and the good stuff simply takes too long to materialize. If you look at

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BREAKING NEWS: New York Life Announces 2016 Dividend

The New York Life Insurance Company announced its plans to pay participating policy holder $1.7 billion in dividends in 2016. This represents an increase over the 2015 dividend payment of

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BREAKING NEWS: Penn Mutual Life 2016 Dividend Announced

The Pennsylvania Mutual Life Insurance Company announced its plans to pay participating policy holders a total of $48 million in dividends for 2016. This represents an increase over last year of

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BREAKING NEWS: Guardian Life Announces 2016 Dividend

The Guardian Life Insurance Company of American has announced its plans to pay $836 million in dividends to its participating policy holders. This represents the highest gross dividend payout in the company's

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Argument against Permanent Life Insurance: Low Rate of Return

The rate of return argument against permanent life insurance focuses mostly on an irresponsible comparison of dissimilar asset classes. Chances are good that most of you reading this understand that there

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Argument against Permanent Life Insurance: High Commissions Paid to Agent

It seems one of the biggest reasons you should not buy whole life or universal life insurance is because the agent or broker who sold it to you will get paid to do so. At least this is a claim made in

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