All posts by Brantley Whitley

IPB 103: Why Does the Life Insurance Industry Suck at Marketing?

Why don't life insurance companies do a better job of marketing the many benefits of using their cash value life insurance policies?  They talk a lot about death benefit, not so much about anything else. Example

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IPB 101: The 2018 Whole Life Dividend Analysis

Since 2013, we have published the only public analysis of variation in dividends for major participating whole life insurance products.  This analysis is a better gauge of product dividend performance

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IPB 100: The 2018 Ultimate Guide to Paid Up Additions

We love paid-up additions and if you've listened to us at all, you're not all that surprised. But we’ve made a little misstep in terms of being so broad in our discussion about them. And we're always

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IPB 098: Why You Should Probably Avoid Life Insurance Premium Financing

We realize that premium finance is really big subject and there's much to say about this. In today's podcast we're discussing some the “less than savory” pitches circulating out there. Much

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IPB 094: The Ticking 401k TimeBomb

The Center for Retirement Research at Boston College has released their latest report which compiles information from the Federal Reserve's: Survey of Consumer Finances (SCF) which provides a glimpse into

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IPB 093: Indexed Universal Life In-Force Review

  Well, it's the end of the year once again. As we typically do at this point, we're conducting policy reviews for our clients, evaluating how we've all faired in 2017 and making plans for the new

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IPB 092: Is Cash Value Life Insurance No Longer a Good Idea?

The trend for dividend interest rates for participating whole life insurance and the cap rates for indexed universal life insurance have been a long trend downward. No denying that. But does that change

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IPB 91: 2017 Dividend Season

It's that time of year again…time for companies that offer participating whole life insurance policies to make their dividend announcements for the coming year. (And yes, we realize these are technically

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IPB 090: Is Cash Value Life Insurance Expensive?

Over the past few weeks, we've had a half-dozen or so conversations with folks who would like to understand the expense of owning cash value life insurance. Yes, for the sake of our discussion we are lumping

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