All posts by Brandon Roberts

Back to Basics: What is the 1035 Exchange?

We’ve decided there are a number of more elementary topics that we’ve not discussed here and in the interest of making the Insurance Pro Blog as great a resource as possible on the topic of insurance,

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If the Market Continues to Rally, is Whole Life Insurance Dead in the Water?

It’s been a pretty good run for whole life insurance over the course of the last five years. 2008 scared the pants off many Americans and has reminded us all that maybe being an “investor” isn’t

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Indexed Universal Life Insurance Company Asset Yield Comparison

Oops!! Not sure what happened with our other post today…but hopefully it works this time.  Thanks for your patience. As a form of cash value life insurance that can be manipulated for asset building

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Breaking News: Guardian Life Announces 2014 Dividend Rate

The Guardian Life Insurance Company of America has announced its plan to pay $776 million in dividends to its participating life insurance policyholders. The $776 million dollar payout is a decline from

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Breaking News: Penn Mutual Announces 2014 Dividend Rate

The Pennsylvania Mutual Life Insurance Company announced today its plans to pay $33.2 million in dividends to its participating policy holders in 2014. This payout represents a 7% increase in the total

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Principal National Life Joins the Indexed Universal Life Market

Principal National Life has released its product for the indexed universal life market. Indexed Universal Life FlexSM is the name of the product and it carries some interesting features including an S&P

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Breaking News: New York Life Announces 2014 Dividend Rate

New York Life has announced its plans to pay $1.43 billion in dividends to its participating policy holders. This dividend payout is an increase of $109 million over last year. In a very quiet announcement,

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Breaking News: MetLife Announces 2014 Dividend Rates

The Metropolitan Life Insurance Company has announced its intentions to pay $1.25 billion in dividends to participating policyholders. Policyholders include both MetLife, New England Financial, and General

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Life Insurance Company Ratings: What Really Matters

We've discussed life insurance company ratings a couple of times from an informational point of view. Today I want to discuss the topic from a practical point a view (i.e. what's the overall benefit to

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Breaking News: National Life Group Announces 2014 Dividend

National Life Group of Vermont announced its plans to pay $83 million in dividends to its participating policy holders. In the announcement National Life Group's President and CEO, Mehran Assadi remarked

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Breaking News: Ohio National Announces 2014 Dividend

Ohio National Life has announced the dividend interest rate for 2014. In an announcement from President and CEO Gary “Doc” Huffman, ONL noted its great expense management, strong portfolio performance,

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How Does Whole Life Insurance Work

Whole life insurance dividends have long mystified both consumers and agents. We know that once per year, the mutuals and other companies that issue participating whole life insurance release press releases

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Breaking News: Northwestern Mutual Announces 2014 Dividend

Northwestern Mutual has announced that it plans to pay $5.2 billion in dividends to participating policy holders next year. This represents an increase of the total payout over last year of roughly $200

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Breaking News: MassMutual Announces 2014 Dividend

MassMutual announced its plan to pay $1.49 billion in dividends to participating policy holders in 2014. This will be the largest total dividend payout the company has made in its 162 year history. We

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Flexible Paid-up Additions Riders: When a Paid-up Addition is not just another Paid-up Addition

Paid-up Additions are a crucial component to whole life insurance when someone wants to focus on cash value accumulation. In fact, we declared the rider–the magic of cash value life insurance a

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Top Indexed Universal Life Insurance Carriers for Cash Value Accumulation

Indexed universal life insurance is the product that can rival participating whole life insurance for cash accumulation and income strategies. It’s risk profile is similar, and it brings even more flexibility

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10 Pay Whole Life Round Up: Who is the Best

10 pay whole life insurance is a straight forward product. An insured/policy holder makes 10 payments to the contract and after that the policy is guaranteed paid up forever and always. Not surprisingly

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The Truth About Universal Life Insurance

Following up on our post from last week about whole life insurance we figured we’d give equal time to another product that is probably more mis-represented than any other life insurance product available,

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Whole Life Insurance Myths Busted

Whole life insurance has a pretty wild reputation around the interwebs. There are those who would have you believe it’s the devil seeking to ruin your financial affairs, and others—like us—who believe

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Is Your Agent a Practitioner or a Rockstar?

Most insurance agents and investment salespeople are taught that the secret to success But despite the flaunting, which admittedly reels some people in, I’ve discovered that most people still appreciate

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Can you “Bank” on Universal Life Insurance?

Bank on Yourself® and the Infinite Banking Concept® are well known selling systems that promote whole life insurance, but can we apply the secret sauce of these ideas to universal life insurance as well

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Top Reasons for Owning Cash Value Life Insurance: #1 Liquidity

Today we’re going to discuss what I have always felt was the best reason to have money in cash value life insurance and use it as part of your financial strategy. This may seem counter-intuitive. It

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Why Your Rate of Return is always Different

Most of us have seen the marketing brochures distributed by mutual fund companies and investment products salespeople as an inducement to place our money in a fund. At the very least, we’ve encountered

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Top Reasons for Owning Cash Value Life Insurance: #2 Leverage

Finance is a funny topic. For some it means little more than buying some low cost index funds and not accumulating massive amounts of debt. For others it’s mostly about contributing to a 401k or traditional

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Fixing the Internet: Why Whole Life Insurance is NOT a Bad Investment

The “is whole life insurance a bad investment?” discussion is a great example of the classic advice we were given when the internet was a fairly new phenomenon and we had only just begun to

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Top Reasons for Owning Cash Value Life Insurance: #3 Market Neutral

Market neutrality à la diversification is a subject that often baffles the average financial or investment consultant. My sneaking suspicion has been that this is a result of training focused specifically

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Life Insurance Awareness Month: What Happens When Someone Dies

It’s September, which means it’s also Life Insurance Awareness Month aka LIAM. When asked what we planned to do for LIAM we just sort of laugh. We talk about life insurance on a daily basis, so we’re

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Top Reasons for Owning Cash Value Life Insurance: #4 Taxes

Cash value life insurance and taxes is a conversation that usually goes hand in hand. You see, life insurance and taxes are old friends—kind of like how Alexander Hamilton and Aaron Burr were old buds. So

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Is Whole Life Insurance like a Roth IRA?

I want to start today’s discussion about whole life insurance and Roth IRA’s by noting that I had mixed feelings about writing this post. This one was motivated by requests to retort a blog post that

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Top Reasons to own Cash Value Life Insurance Reason #5: Liability and Creditor Protection

Cash Value Life Insurance provides an array of various benefits and one unique benefit it brings to the table (for some people) is the fact that cash values are often protected from creditor and liability

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