Cash Value Life Insurance March 10, 2026 · Brandon Roberts Should You Borrow Against Your Life Insurance? An Honest Look at When It Makes Sense You own a cash value life insurance policy. Maybe you’ve had it for ten years, maybe twenty. The cash value has been growing steadily — and now you’re looking at …
Life Insurance March 8, 2026 · Updated April 22, 2026 · Brandon Roberts When Does IUL Underperform Whole Life? A 30-Year Analysis The Short Answer What it takes for IUL to lose its edge over whole life < 8% S&P 500 cap rate threshold where IUL stops outperforming whole life (sustained from inception, 30-year horizon) …
Cash Value Life Insurance March 5, 2026 · Brandon Roberts Whole Life Insurance for Building Wealth: An Honest Look at Who It Works For The people who benefit most from whole life insurance already have money. That’s not what social media tells you, but it’s what decades of working with real clients confirms. If you’ve …
Annuity Education Updated March 5, 2026 · Brandon Roberts · Originally published June 29, 2012 What Is an Annuity? A Plain-English Guide to Types, Rates, and Uses Most people hear the word “annuity” and immediately picture something complicated — stacks of fine print, confusing riders, and a product they’ve been told they should either love …
Guaranteed income December 21, 2025 · Brandon Roberts Single Premium Immediate Annuities: The Case for Guaranteed Retirement Income The most widely used retirement income strategy in America has a problem that almost no one talks about honestly. The 4% rule — the idea that you can withdraw 4% of your portfolio in year one, adjust …
Indexed Universal Life Insurance September 23, 2025 · Updated April 22, 2026 · Brandon Roberts Volatility Controlled Indices in IUL: The Honest Breakdown Walk into an IUL sales meeting in 2026 and there’s a good chance the illustration in front of you is crediting interest off a volatility controlled index rather than the S&P 500 …
Despite critics calling it “old,” “expensive,” and “outdated,” whole life insurance is actually gaining popularity. Here’s what sophisticated investors know that others don’t. If you’ve been following financial discussions lately, you’ve probably heard the familiar refrain: whole life insurance is an outdated relic that modern investors should avoid. Yet here’s a surprising fact that might …
Life insurance has earned a well-deserved reputation as one of the most tax-advantaged financial vehicles available. The ability to grow cash value tax-deferred and access it tax-free has made whole life and universal life insurance popular choices for building wealth. However, it’s crucial to understand that not every life insurance transaction is tax-free. As someone …
Modified Endowment Contract: The MEC Rules Explained July 6, 2025 · Updated April 20, 2026 · Brandon Roberts A Modified Endowment Contract is a cash value life insurance policy that received too much premium too fast, relative to its death benefit. When a policy becomes a MEC, the tax rules on distributions flip — gains …
Rethinking Retirement: Why “Just Take More Risk” Might Be Bad Advice Let’s talk about something that’s been bugging me lately. If you’ve ever sat down with a financial advisor after realizing you’re behind on retirement savings, you’ve probably heard some version of these three pieces of advice: “You need to save more money” “You might …