New York Issues Warning on Universal Life Insurance

We've all seen articles chronicling the woes faced by policyholders who own universal life insurance.  The names change, but the theme tends to remain the same.  Joe insurance purchaser bought a universal

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Is it Better to Work with the Largest Life Insurers?

Buying whole life insurance or universal life insurance as a cash accumulation tool or even because you want a permanent death benefit requires you to make a long term commitment to the life insurer. 

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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

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Life 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

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Whole 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

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Cutting 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

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Reducing 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

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IPB 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

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IPB 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

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