The Five Must Have Features of a Cash Value Focused Whole Life

If you are looking to buy whole life insurance as a way to save for the future there is a huge mistake you might be making.  I'm going to try and help you avoid that mistake with five rules you must follow

Continue reading

A Financial Planner’s Insurance Advice: Case Study

The financial planning industry changed quite substantially since I arrived on scene a little over 10 years ago.  In that time, much of the regulatory shifts seek to establish new standards (e.g. the

Continue reading

Indexed Universal Life Insurance Still Not Market Correlated

Following up on my long established position that indexed universal life insurance is not market correlated, I want to share a story about a recent client situation involving IUL.  As you all well know,

Continue reading

The Top Five Truths Insurance Agents Tell

Looking back on our years of selling life insurance, we see a past of lessons learned.  Some of these lessons taught us about the methods best avoided regarding life insurance selling.  Other lessons

Continue reading

Top Five Lies your Life Insurance Agent is Telling you

Life insurance agents are people, too.  They have social lives, families, and dreams.  They aspire to make as much money as possible and desire nice things–or at least financial peace-of-mind. 

Continue reading

Universal Life Time Bomb…Myth?

Did you buy universal life insurance between 1980 and 1999?  If you did, you might be entitled to compensation from predatory life insurance sales tactics that duped you into thinking that you could buy

Continue reading

Are You a Double Secret Adviser?

Did you know that there are regulatory organizations that spend their time debating over who's allowed to use a word and who's not? Yes, in the endless search for truth and justice in the financial services

Continue reading

Is Whole Life Insurance a Good Investment?

If I had a dollar for every time someone asks me is whole life insurance a good investment, I'd have quite a few more dollars in my pocket.  But this is a seriously good question, and I know many

Continue reading

A Critical Review of A Critical Review of Indexed Universal Life Insurance

Indexed universal life insurance reviews are in no short supply all throughout financial media as well as the internet.  Recently, a review came from a source that most of us would consider authoritative

Continue reading

The Life Insurance Loan Process: A Step-by-Step Guide

With COVID-19 shutting down lots of major business activity in the United States, it's no surprise that a lot of people are experiencing fluctuations in cash flow.  For many, the exact impact this will

Continue reading

Whole Life Insurance Versus Stock Market: New and Updated

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

Continue reading

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

Continue reading

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

Continue reading

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

Continue reading

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

Continue reading

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,

Continue reading

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

Continue reading

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

Continue reading

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

Continue reading

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

Continue reading

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

Continue reading

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

Continue reading

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! 

Continue reading

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

Continue reading

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

Continue reading

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

Continue reading

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

Continue reading

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

Continue reading

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

Continue reading

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

Continue reading
1 2 3 24