All posts by Brandon Roberts

You don’t need Life Insurance when you Retire, the Statistics don’t back the Claim

For years talking heads have been very clear about the use of life insurance in retirement. And still today, despite macro economic events that have shaken a lot of conventional wisdom to its core and

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Top Reasons to Own Cash Value Life Insurance: Reason #6 No Probate

Throughout the next six weeks we’ll be rolling out our top reasons for owning cash value life insurance. We’ll be releasing these posts during our Friday post. Today we start with reason number six

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Life Insurance Cash Values, You Can’t take it with you

There’s no doubt a number of people have made arguments against the ownership of cash value life insurance. You don't have to spend a lot much time surfing ye olde' interwebs to find such evidence. Too

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Whole Life Insurance Lapse Rates

If you spend anytime around a traditional life insurance agent/broker discussing which type of life insurance you should own, then you’ve undoubtedly been told to opt for whole (or universal) life over

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But they make you Borrow and Pay Interest on YOUR Money!

One of the long-standing criticisms regarding whole life insurance is that fact that distributions are often made through policy loans, which bear interest. The common discussion goes something like, “and

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Are Disability Insurance Policies a Scam?

Your average everyday financial guru doesn’t tend to agree with insurance agents all that often, but one area in which they both tend to be pretty in-sync is the subject of disability insurance. I’ve

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Whole Life Insurance Loans are a Scam

The other day I happened upon a piece that MSN Money reposted telling me (and you) what I (we) needed to know about whole life insurance. The piece is horrendously bad, but if you really want to read it,

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Bank on Yourself®, Infinite Banking, et. al. Unraveled

Our regular readers know that we have a certain love/hate relationship with the whole Bank On Yourself®, Infinite Banking, and their various iterations. We certainly enjoy their work in furthering the

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Indexed Universal Life Insurance Income Variation Analysis

Indexed universal life insurance is another strong contender to whole life insurance for the purpose of accumulating wealth and generating retirement income through life insurance. If you need a primer

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How do Varying Whole Life Dividends Affect Income?

We’ve discussed whole life dividends a good bit at the insurance pro blog. We’ve also compared a lot of other insurance company stats in the past, and will continue to do so in the future. One such

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Paid up Additions Load Round Up

We love paid up additions. That has never been much of a mystery around the Insurance Pro Blog. And we get a lot of questions about paid-up additions. The one questions that by far sticks out the most

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Why Life Insurance Works so well for Retirement Income

Life Insurance used to generate retirement income is a slightly more advanced subject within the world of life insurance and financial planning. The stock jockeys hate it, and the life insurance agents

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Top Whole Life Insurance Companies for Building Cash Value

It’s no big secret that we think whole life insurance is pretty awesome. Hopefully, most of you realized we were just being cheeky on our podcast last week when we declared that it sucked (though we

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Whole Life Dividend Variation Analysis

You can find the latest Whole Life Dividend Analysis here. Whole life dividends are commonly reviewed and compared among companies. For the most part, all we see are current year rates compared. On the

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Stock Ownership Hit’s New Low According to Gallup

Earlier this month, Gallup released data it collects concerning stock ownership in the United States. The data show that stock ownership among Americans is at its lowest point since Gallup began tracking

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Historical Proof That Blended Whole Life Really Works

Blended whole life is a concept we really like. We maintain that it’s the way to purchase whole life insurance if cash accumulation is your primary goal. Anyone who has learned that you can use whole

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An Introduction to Impaired Risk/Substandard Life Insurance Underwriting

Impaired risk life insurance is a trickier realm of the life insurance industry. It involves securing life insurance for people who have health impairments or whom have had health events in their life,

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Waiting to Buy Disability Insurance…

Yup, it’s disability insurance awareness month. So why not spend a little time discussing what could be one of the most important financial decisions you’ll make in your life? And one such crucial

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Death During the Life Insurance Contestability Period, now what?

Life insurance brings a lot of mind comforting notions with it. It helps many people sleep soundly at night knowing that they need not worry about what happens to their family or loved ones if they should

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Are Mutual Life Insurance Companies Better than Public Life Insurance Companies?

Maybe you’ve heard this one before, the claim that mutual life insurance companies are better than public life insurers. Of course, the mutual life insurers all think so. But we’re willing to bet that

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Participating Whole Life Insurance Income Comparison

Participating whole life insurance is a form of cash value life insurance that is often used with a focus on its cash accumulation capabilities and retirement income generating prospects. In fact, we’d

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The Rule of 72 Example

I know what most of you are probably thinking: the rule of 72? Have the Insurance Pro Blog guys run out of ideas for post topics? Or busy week? Maybe they didn’t have time to come up with something more

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Whole Life Insurance Company Investment Yield Comparison

When it comes to evaluating whole life insurance dividends and whole life insurance yields it’s important to keep an eye on the investment results of a company’s general account. The general account

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Indexed Universal Life Insurance Income Comparison

Indexed Universal Life Insurance is well-known for its ability to generate a retirement income stream, but how can you tell a good product from a bad one? Most attempts to compare company products fail

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Thoughts on Term Life Insurance?

A couple of times a month we get a question about term life insurance that I've always found amusing: will you guys write term insurance? I admittedly chuckle a little bit every time we get this question.

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What is Reinsurance?

Reinsurance is a topic few consumers–and not that many more agents–come across. It does however play a serious role in the underwriting process, and that role has a lot more to do with every

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Tax Free, that’s where I want to be

Oh April is coming, and everyone knows what April brings. For those of us in Yankee Land, you might think SPRING! But unfortunately the bitter end to short days covered with depressing grey filtered sunlight

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Infinite Banking Lies About Whole Life and Universal Life Insurance

For years, proponents of infinite banking have highlighted a certain benefit behind cash value life insurance. The specific benefit has been more closely associated with whole life insurance, and those

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What is the Waiver of Premium Rider?

The waiver of premium rider is a mini disability insurance policy that covers the premiums due on your life insurance policy when you are sick or hurt and unable to work and therefore unable to pay the

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What is a Life Insurance Policy Loan?

A Life insurance policy loan is an often referenced aspect to cash value life insurance. Most agents will bring the topic up casually, and I'd suggest far too casually. Some may discuss only because of

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