Overfunded Life Insurance
Overfunded life insurance, what on earth is that? I hear you cry out. Perhaps you ran across the concept mentioned briefly somewhere on the internet. Or maybe someone suggested that you buy an overfunded
Continue readingLife Insurance Commission: A Great Evil According to the Internet
Few subjects related to life insurance cause more hot-tempered debate than life insurance commission. Some believe it's an evil incentive that encourages agents to push “expensive” products
Continue readingWhole Life Insurance Dividend Options
Whole life insurance dividend options are one of the ways a whole life policy provides the policyholder robust versatility. Understanding these different options is crucial for the proper use of a dividend-paying
Continue readingCutting Whole Life Insurance Expenses Means Cutting Whole Life Insurance Guarantees
In most interactions with prospective clients who are interested in exploring a whole life policy, there's often a conversation that arises about life insurance guarantees. Given that most of the general
Continue readingReducing Whole Life Insurance Dividends When Running Illustrations
For years, insurance agents, companies, and purchasers have looked at hypothetical ledgers that delineate future policy values in an attempt to articulate policy functionality and understand how one policy's
Continue readingIPB 136: Leaving One Life Insurance Company for Another
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
Continue readingIPB 135: The Ohio National Variable Annuity Episode
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
Continue readingIPB 134: Holistic Financial Planning is Poised to Win Big
To kick off the new year, we are raising the white flag. We have to concede a position we've long held because consumer sentiment appears to overwhelmingly head in the opposite direction. For years,
Continue readingWhy don’t more Financial Advisors Sell Life Insurance?
The holiday season now firmly has its grip around many of us and since we opted not to produce an end of the year podcast that answered questions we receive from various readers and listeners, I figured
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