All posts by Brandon Roberts

IPB 134: Holistic Financial Planning is Poised to Win Big

To kick off the new year, we are raising the white flag.  We have to concede a position we've long held because consumer sentiment appears to overwhelmingly head in the opposite direction.  For years,

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Why don’t more Financial Advisors Sell Life Insurance?

The holiday season now firmly has its grip around many of us and since we opted not to produce an end of the year podcast that answered questions we receive from various readers and listeners, I figured

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Whole Life Insurance Rates: What’s the Cost of Waiting to Buy?

You are never going to pay less for whole life insurance than the amount you will pay this year.  Whole life insurance rates become dramatically more expensive (actual dollar cost and the cost of lost

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2019 Whole Life Insurance Dividend Announcements

It's November and that means it's time for most major U.S. life insurer who have any significant focus on whole life insurance sales to announce anticipated dividends for next year.  We've already heard

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Do You Pay Taxes on Life Insurance Payout?

There are so many questions about what taxes one must pay on life insurance proceeds. But one that we get a lot is, do you pay taxes on life insurance payout?  The subject can be a bit intimidating for

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The Key to Selling More Whole Life Insurance

Seven years ago the Insurance Pro Blog started as a resource to "demystify life insurance."My original purpose was to spread the good word on life insurance--specifically whole life insurance and eventually

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Whole Life Insurance Pros and Cons

First, I feel the need to provide context for this post. 99% of our clients want to use cash value life insurance as an asset class. Which means people need to distinguish whole life insurance from

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Whole Life Insurance Dividend Rates Exposed

Every year, usually sometime in November, life insurance companies that sell participating whole life insurance report their plans to pay dividends to policyholders. When the insurance companies talk about

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TEFRA DEFRA TAMRA: How Taxes Effect Life Insurance

Life insurance enjoys some unique tax benefits, but it also faces limits imposed by legislation we know as TEFRA DEFRA and TAMRA.  These pieces of legislation established specific guidelines as to what

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Is 10 Pay Whole Life Insurance Any Good?

http://traffic.libsyn.com/insuranceproblogpodcast/IPB_122__Why_Not_Use_10_Pay_Whole_Life_Insurance_.mp3Podcast: Play in new window | Download Using whole life insurance as a place to store cash

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Best Whole Life Insurance Products for Cash Value 2018

We originally released our opinion on the best whole life products for cash value accumulation in 2013.  We re-visited the subject in 2014, and then never again discussed the topic.  In truth, the topic

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The DOL Rule is Dead

The DOL Fiduciary Rule is dead.  It went out with an unceremonious whimper last week.  Financial media sources covered the news almost no one cares about through short articles noting the progress that

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How to Plan Retirement Income

It occurred to me recently that 2018 marks a milestone anniversary for me.  I've now worked professionally in the financial services/insurance industry for 10 years.  That's 10 years of being paid to

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Indexed Universal Life Insurance Pros and Cons

There are so many questions floating around the internet that center around indexed universal life insurance pros and cons. Indexed universal life insurance is the hottest thing going in the life insurance

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Will Your Indexed Universal Life Insurance Policy Produce an 8% Average Return?

Last week we discussed the probability of achieving various returns on a passive investment in the S&P 500.  This week I want to take a similar analysis and direct it to indexed universal life insurance. 

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What are your Odds of an 8% Average Return on Investment in the Stock Market?

When you start your career in the financial services industry you pretty quickly figure out that you must bow at the altar of the average return on investment in the stock market. Well, that and a couple

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IPB 102: Is Index Universal Life Insurance Market Neutral?

We like life insurance because it marches to its own beat.  In other words, when CNBC is reporting panic over Facebook, life insurance carries on almost as if its never even heard of Mark Zuckerberg. 

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Life Insurance Guarantees: A Big Misinterpretation

Few aspects of life insurance are more misunderstood than the guarantees of a permanent life insurance contract (particularly whole life insurance).  You wouldn't believe many of the claims we've heard

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How Does Life Insurance Create Retirement Income?

We all understand that life insurance provides a death benefit, but its ability to offer additional financial resources are spectacular and often understated.  If you've researched the topic of life insurance

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Are Whole Life Insurance Policies Worth It?

If you've been doing a lot of research about the different types of life insurance, maybe you're wrestling with a big question…Is whole life insurance worth it? That's a simple question with a not-so-simple

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IPB 095: When a Lower Rate of Return Gives You More Money

“Whole life insurance/universal life insurance is a terrible investment because the rate of return is horrible.”  We've heard that before.  You don't have to wander the interwebs far to find

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BREAKING NEWS: Guardian Life 2018 Dividend

The Guardian Life Insurance Company of America announced its plans to pay participating policyholders a total of $911 million in dividends in 2018.  This will mark the largest total dividend payout

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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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