2019 Whole Life Insurance Dividend Announcements

It's November and that means it's time for most major U.S. life insurer who have any significant focus on whole life insurance sales to announce anticipated dividends for next year.  We've already heard

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Should You Intentionally UNDERfund Whole Life Insurance?

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

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Is Universal Life Insurance Collapsing?

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

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Do You Pay Taxes on Life Insurance Payout?

There are so many questions about what taxes one must pay on life insurance proceeds. But one that we get a lot is, do you pay taxes on life insurance payout?  The subject can be a bit intimidating for

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Working With Bad Life Insurance Companies

Today's episode is all about the evils of working with companies that turn out to be major disappointments. Who are we talking about specifically? Well, we're not gonna name names here. Not today.

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The Key to Selling More Whole Life Insurance

Seven years ago the Insurance Pro Blog started as a resource to "demystify life insurance."My original purpose was to spread the good word on life insurance--specifically whole life insurance and eventually

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Whole Life Insurance Pros and Cons

First, I feel the need to provide context for this post. 99% of our clients want to use cash value life insurance as an asset class. Which means people need to distinguish whole life insurance from

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Whole Life Insurance Dividend Rates Exposed

Every year, usually sometime in November, life insurance companies that sell participating whole life insurance report their plans to pay dividends to policyholders. When the insurance companies talk about

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TEFRA DEFRA TAMRA: How Taxes Effect Life Insurance

Life insurance enjoys some unique tax benefits, but it also faces limits imposed by legislation we know as TEFRA DEFRA and TAMRA.  These pieces of legislation established specific guidelines as to what

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