Brantley Whitley 
Some say that whole life insurance only makes sense for the ultra-wealthy. Believe it or not, one of the top-ranked websites for personal finance makes this claim about whole life insurance, “…such policies usually only make sense for individuals with a net worth of at least $11.4 million” (estate tax exemption threshold). Uhhh…not sure how …
According to a recent article penned by Leslie Scism at the Wall Street Journal, “sales of a life-insurance policy tied to the longest bull market in U.S. history are soaring.” There’s a lot to unpack from that statement. But that’s the opening statement and it gives you a taste of what you can expect if …
When people ask us, “why buy whole life insurance?”, our standard answer, though much wordier in conversation–because mainstream financial advice has failed you. Following the most popular advice from the investment industry and from the financial talking heads that frequent CNBC, the Wall Street Journal and Yahoo Finance will likely leave you confused. Most of …
We all had that crazy uncle that we only saw on holidays and family reunions. Half the reason you looked forward to those get-togethers was because of your crazy uncle. His jokes, crazy stories, wisdom only a crazy uncle could provide, and the occasional finger pulls made it all worthwhile. Sure, we had to deal …
When things are going as expected or better than expected – it’s human nature to relax a little bit and let the good times roll. I realize nobody likes hanging out with Debbie Downer or Negative Nancy. But you gotta be cautious about how comfortable you get when it comes to protecting your wealth. Probably …
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No one wants to quit or be forced to change the primary life insurance company that they are writing business with. Unfortunately, there are times when it is unavoidable…either because the company has changed a key product or because a company decided they don't want to accept new business from you anymore.
We've experienced both on more than one occasion.
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Ohio National officially closed its VA biz and cut trail commissions (fees?) owed to B/D’s and brokers on December 13th, 2018 for any VA sold with a guaranteed minimum income benefit. We don’t know exactly how many VA’s this is but assume that it’s a large block of outstanding business sold within the last decade as these rides were extremely popular features for VA contracts.
As a result, a flurry of lawsuits came about claiming various insidious things against ONL for its refusal to continue payment to brokers who wrote VA business with the company.
Last week I was having an email conversation with a member of our audience. As part of an email that I sent out (to those lucky enough to be on our subscriber list), I asked a question and I got quite a few responses. It’s a very nice thing to have a list filled with …
Universal life insurance is really not that interesting, but you’d never guess that by reading pretty much anything that gets published about it in the mainstream press. In fact, it has been featured in the WSJ more than a couple times in the last several years. Each time, the story gets a little worse. I’ll …
