Tax-Free Wealth: Muni Bonds & Life Insurance Strategies

Building a substantial wealth portfolio involves strategic planning and understanding of various financial instruments. Tax-free wealth strategies are essential to this planning, offering avenues to grow your investments while legally reducing taxes. By employing tactics focusing on tax-exempt securities such as municipal bonds and considering life insurance policies with cash value components, you can enhance …

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How Life Insurance Companies Master Diversification in Asset Management

diversification by life insurance asset managers

In today’s fast-paced and unpredictable financial landscape, managing risk and achieving consistent returns is more important than ever. Life insurance companies have emerged as experts in this field, utilizing their vast resources and expertise to create well-diversified investment portfolios that deliver long-term value to policyholders. In this article, we will explore the factors that contribute …

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Everything You Always Wanted to Know About Rate of Return

Compound Annual Growth Rate vs

I’ll be honest with you—writing this post makes me feel a bit like Jack Nicholson’s character in the movie “A Few Good Men”. Remember when Nicholson is being questioned by Tom Cruise in the most memorable scene from the movie and Cruise is demanding the truth? Nicholson replies, “You can’t handle the truth!” So, what …

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Is Whole Life Insurance a Tax Shelter?

whole life insurance can be an effective tax shelter

When you read or hear the words tax shelter it probably doesn’t conjure images of using whole life insurance. But whether or not whole life is actually a tax shelter depends on how you define it more than anything. It’s not a tax shelter in any sort of the more shady ways that people discuss …

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Do You Need to Diversify Your Whole Life Insurance Holdings?

Do You Need to Diversify Your Whole Life Insurance Holdings?

Diversification is a term so deeply intertwined with traditional financial/investment advice that we often think of it as infallible.  If you want to sound intelligent, or at least appear reasonably knowledgeable, make the recommendation that one carefully work to diversify his/her portfolio and there’s a good chance your advice is impervious to criticism.  For the …

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Mass Mutual Actual Whole Life Policy Performance

Mass Mutual Actual Whole Life Policy Performance

Continuing our series of reviewing real-life results from whole life insurance policies, we look this week at MassMutual.  Similar to other policies reviewed, we took data from a MassMutual whole life policy purchased around 10 years ago.  We have the original illustration and used that to compare against current policy values. We also used this …

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Ohio National Decides to Demutualize

Ohio National Decides to Demutualize

Earlier last week, Ohio National Life announced that its board of directors approved an acquisition transaction.  If approved, the company will demutualize and become a stock owned-subsidiary of Constellation Insurance Holdings, Inc. out of Canada.  Ohio National announced that this transaction will strengthen the company’s financial position, enhance its market position, and give it the …

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