Whole Life Insurance Versus Stock Market a New and Updated Numbers

Several years ago, I published a blog post that used real whole life data results to compare to passive index investing results.  The results showed that a well designed whole life policy that maximizes

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Building Safety Against Bad Market Conditions

Investing in the stock market certainly has its advantages.  It can produce some incredible new wealth for those who are disciplined (and in some cases lucky).  But the market is not the panacea when

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How the Current Market Affects Life Insurance

The U.S. stock market just wrapped up one of its worst weeks ever.  The Dow Jones Industrial Average dropped around 17% this week alone.  The S&P 500 finished the week down 13%.  And the NASDAQ

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Cash Value Life Insurance Is the Original Non-Correlated Asset

With all the recent bad news surrounding pandemics, toilet paper shortages, store shelves devoid of my beloved Ramen noodles and the most volatile stock market we’ve seen in decades, it seems like a

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How Indexed Universal Life Insurance Minimizes Sequence of Returns Risk

We started sounding the alarm about the sequence of returns risk way back in 2013.  Since that time, others jumped on our train to warn retirement savers that one of the most dangerous risks they face

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Why Bloggers Hate on Whole Life Insurance

Some financial bloggers appear to hate whole life insurance.  A good lot of them have blog posts dedicated to extolling the virtues of term life insurance over whole life insurance.  According to them,

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Should You Buy Whole Life Insurance

If you’ve been around long enough to read more than a couple of posts on our site or listen to any of our hundreds of podcast episodes, you probably think that’s an odd question. After all, aren’t

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Whole Life Insurance Study 2020

The Whole Life Insurance Study began as a question concerning the impact modern communication technology had on the sale of life insurance–specifically whole life insurance.  Given the freedom to

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Should You Borrow Against Your Life Insurance to Buy More Life Insurance?

I appreciate creativity.  When I first started selling life insurance, I spent hours studying the product.  Prodding it in various ways to see what it did.  When I happened upon a few tricks I could

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How to Use Whole Life Insurance for Retirement

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

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Why Paid-Up Additions Matter

If I had to pick one, and only one, additional feature of whole life insurance, it is hands down the paid-up additions feature.  Even if I lose the ability to blend death benefit, if I still have the

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Indexed Universal Life Must Be Contained: It’s Getting Out of Hand

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

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Indexed Universal Life Insurance Sales Success Myth

Industry chatter about indexed universal life insurance spans a wide spectrum of woohoo! and boohoo!  Regardless of your position on the product, the one apparent consensus is: the product is on fire! 

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The Doomed Index Universal Life Insurance Policy

You don't have to look far on the interwebs to stumble upon a blog post, video, or infographic that throws a little shade at indexed universal life insurance.  The product is attacked relentlessly by

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Why Buy Whole Life Insurance

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

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The Ups and Downs of Automated Life Insurance Underwriting

One of the coolest things going on in the life insurance industry is the rapid adoption of an underwriting process that seeks to streamline the process of applying for life insurance.  This so-called

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Indexed Universal Life: Market Neutral?

The other day I was part of a conversation with another agent about Indexed Universal Life.  The conversation was more of a challenge to my position that, like whole life insurance and current

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Consumer Reports “Study” on Whole Life Insurance

In April of 2015, Consumer Reports published a report on life insurance titled: Is Whole Life Insurance Right for You? The report used the subtitle: Follow our Advice to Assess this Most

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The Best Retirement Plans: Approved By Your Uncle Sam

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

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The Incredible Flexibility of Blended Whole Life Insurance

Today I want to talk about a subject that comes up every time we discuss whole life insurance with someone.  The flexibility of whole life insurance is a major concern among our clients and prospective

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Life Insurers Focus on Safety Not Risky Returns

It's no secret that interest rates are not in a place that life insurers favor.  With interest rates so low, one might think that life insurers will move to more exotic investment ideas to recoup

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3 Steps to Reduce Risk in Your Wealth Building Strategy

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

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Likely Changes Coming to Indexed Universal Life Insurance Illustrations: Actuarial Guideline 49 Updates

In 2015, the National Association of Insurance Commissioners's (NAIC) Life Actuarial Task Force (LATF) codified new rules for life insurance illustrations with indexing features.  Actuarial Guideline

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Mutual Life Insurers Investment Income Vs. Obligations Analysis

I often field questions about what financial metrics I hold most important when analyzing life insurance companies.  While my answer can be a tad complex, I do have a short list of key metrics on which

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Comparing Permanent Life Insurance Policies: The Linton Yield Method

There are numerous ways to compare cash value life insurance policies. Some of them are pretty well recognized though of relatively little use like the Net Cost Surrender Index. Others are known within

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New York Best Interest Rule Regulation 187 Everything you Need to Know

Earlier this year, New York State amended Regulation 187 to establish what we're all calling the “Best Interest Rule.”  After taking some careful time to pick through the entire amended regulation,

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The End of the Insurance Pro Blog Podcast

We started podcasting seven years ago.  It seems a little crazy to me to write that.  But our first foray into the podcasting began in early September 2012 with the Financial Procast.  Here's the

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Is the Cash Surrender Value of Life Insurance Taxable?

The taxability of life insurance cash surrender value causes much confusion.  Agents often extol the tax free nature of life insurance.  But the marketing brochures often have numerous footnotes on the

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Does Whole Life Insurance Cost More than Term Life Insurance?

You might have heard that whole life insurance cost more than term life insurance. This very statement is the foundation of many arguments suggesting that term life insurance is simply a smarter financial

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Penn Mutual Suspends Sale of Life Insurance and Annuities in New York

In a statement made by CEO Eileen McDonnell and President Dave O'Malley, Penn Mutual announced it will suspend the sale of its life insurance and annuity contracts in the state of New York. The

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