IPB 058: When Your Insurance Company Decides to Go a Different Direction

Typically when someone says, “we've decided to go in a different direction” I get the image of sitting in the conference room of my very first job post-college. The conference room was affectionately

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IPB 057: Stock vs. Mutual Life Insurance Companies

The debate between life insurance company structure rages on into the 21st century. It's not as big a headline as it once was in the industry. So, does that mean that we've decided that it really doesn't

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IPB 056: No, You’re Not Rich…But You Could Be

After taking another week off from recording a podcast we're back and we're taking another slight detour from diving into the minutiae of life insurance. Not to worry, today's episode is related to life

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IPB 055: Can Financial Advice be Systematized?

Today's episode is not one of our episodes where you're going to get a bit-by-bit breakdown of a life insurance policy or concept totally dedicated to life insurance. No, today we get into a discussion

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IPB 054: Free Life Insurance?

Sorry to disappoint you–we don't have any free beer or life insurance. But we do have our first podcast of the new year and it's a good one. Something we don't often discuss oddly enough in our podcast

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IPB 053: Life Insurance is so NOT complicated

Something we hear and/or read repeatedly is that a life insurance contract is simply too complicated for any mere mortal to understand. The complexity is just too great. How could ever understand what

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Life Insurance a Potential Hedge Against Sequence of Returns Risk

Last week we discussed how sequence of returns affects wealth accumulation. It was the first time we discussed the notion of sequence of returns risk in the light of accumulation rather than spend down

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IPB 052: Sequence of Returns Risk Is More Complicated Than You Think

We’ve discussed “Sequence of Returns Risk” numerous times in the past, but most of those discussions focused on how this phenomenon affects your assets in a draw down period (i.e. a time when you

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BREAKING NEWS: Penn Mutual Life 2017 Dividend Announced

The Pennsylvania Mutual Life Insurance Company announced its plans to pay participating policy holders a total of $58 million in dividends for 2017. This represents an increase over last year of

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2016 Whole Life Insurance Dividend Analysis

  You can find the latest Whole Life Insurance Dividend Analysis Here Since 2013, we have published the only public analysis on variation in dividends for major participating whole life insurance

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BREAKING NEWS: Guardian Life Announces 2017 Dividend

The Guardian Life Insurance Company of American has announced its plans to pay $847 million in dividends to its participating policy holders. This represents the highest gross dividend payout in the company's

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IPB 051: Who Should and Shouldn’t Buy Whole Life Insurance?

One question that we seem to get repeatedly is, “Should I put all of my emergency fund into a whole life policy?” The first few times we got this question we figured maybe it was just coincidence? But,

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IPB 050: Dividend Season 2016

It's that time of year again…time for companies that offer participating whole life insurance policies to make their dividend announcements for the coming year. (And yes, we realize these are technically

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BREAKING NEWS: MassMutual Life Announces 2017 Dividend

  The Massachusetts Mutual Life Insurance Company announced its intentions to pay $1.6 billion in dividends to policyholders in 2017. This represents a decrease from 2016 of

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IPB 049: Why 10 Pay Whole Life Is Not So Great

We are often asked about 10 Pay Whole life policies as a strategy to accumulate cash value at a more rapid rate. So, today were getting into why this might not be the best idea. As a quick review a true

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BREAKING NEWS: Northwestern Mutual Announces 2017 Dividend

  The Northwestern Mutual Life Insurance Company has announced its intentions to pay $5.2 billion in dividends to policyholders in 2017. This represents a decrease from the 2016 dividend payout of $400

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IPB 048: When a Modified Endowment Contract Makes Sense

  Most people think that creating a Modified Endowment Contract (MEC) is a bad thing. We discussed that at some length in last week's episode. That's mainly because the tax advantages of using life

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IPB 047: The Modified Endowment Contract

  Note: The podcast is fresh and new but the written post below is a re-post of information that Brandon wrote a few years back on modified endowment contracts: Anyone who has looked into cash value

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IPB 046: Life Insurance Has Never Caused a Financial Meltdown

In light of the recent developments with Wells Fargo opening accounts for people without consent and their CEO, John Stumpf, being skewered by Senator Elizabeth Warren… We decided it would be a great

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IPB 045: Can We Just Leave Dave Ramsey Alone?

We're drawing a line in the sand here. It's time for insurance agents to get over Dave Ramsey. He has his crowd, his fans, his followers or whatever you want to call them. And that's okay…get over

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IPB 044: It’s All About the Taxes

In exploring what we should talk about in episode 44, we realized that we've somehow gone almost an entire year without dedicating an episode to a discussion of taxes in relation to life insurance. Oops! Sometimes

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IPB 043: The Indexed Universal Life Safety Review

With the current wave of companies lowering the caps on indexed universal life contracts, we thought it would be good idea to share our thoughts on that today. Honestly, we've been “low balling”

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IPB 042: The Really Important Life Insurance Metrics

Well the summer's over. Which obviously means that we're not allowed to have anymore fun…right? You'd certainly think that if you were looking at our episode from last week and what we're discussing

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IPB 041: You Naughty, Naughty Life Insurer

Today we are revisiting something that has popped up a few times over the years of writing and podcasting. But our take is a bit different and the focus of this episode follows suit. Our discussion revolves

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IPB 040: Single Premium Whole Life Insurance

Just yesterday, we realized that since we started the podcast back in November of 2015 we've not discussed anything specifically regarding single premium life insurance. With interest rates today at their

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IPB 039: Giving Up Control of Your Money

  If you haven't listened to episode 38, I encourage you to go back and listen to it before you listen to this one. Not that you have to but I think that listening to both of them will give you a

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IPB 038: Income Planning Is a Lot Harder Than You Think

I know, when you see a title that includes “income planning” you begin to wonder… “Isn't this a podcast about life insurance?” Yes, it is. And we are talking about life insurance,

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IPB 037: What Whole Life Product and When?

In this week's episode, we dip into the mailbag to answer a question submitted by someone in our audience. Olivia writes, “Would you discuss the differences for some specialty whole life insurance

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IPB 036: How Negative Interest Rates Could Effect Life Insurance

There's a lot in the news recently about negative interest rates. It's surreal to think that central bankers have gone to such extremes in attempt to stimulate economic growth. If you don't know what I'm

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IPB 035: Fee Disclosure Is Just a Marketing Tactic (life insurance myths debunked part 5)

  In the world of evaluating life insurance policies (something we do daily), it's possible to get bogged down in a discussion of fees. And sadly, it won't do much good. If you're looking at fees

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