Indexing In Monte Carlo

Now that we know the basics of indexing, we can dive into a much more interesting topic: Does it work?  We're going to use a hypothetical contract (it's actually a real contract from which I have borrowed

Continue reading

The Indexed Approach

For several decades insurance companies have been using an approach to determining credited interest rate that is known as indexing.  It's a practice that has had it's detractors (yours truly for a little

Continue reading

Wealth Building Opportunity

While most financial advice is heavily focused on maximizing return while minimizing fees (and this perhaps is one of the reasons so many people fail long term in their financial plan) I'm going to take

Continue reading

How to Pick a Good Insurance Agent

Recently I got a little upset over a post made by another blogger who positions himself as a financial guru for a specific audience, and my issue with a particular piece he did was based on some serious

Continue reading

How Policy Blending Works and Why You Want to Know about It

People know that I'm generally a pretty big fan of policy blending.  It's essentially a process of combining term insurance with a whole life policy to increase the MEC limit on a whole life contract

Continue reading

Single Premium Whole Life Insurance, a Really Safe Place to Store Cash

I'm not going to commit personal finance heresy when I say that as we get older safety of principal becomes way more important than rate of return (personally I believe it's a lot more important even for

Continue reading

Amateurs…Why I Love to Hate Them

Note: This one took some time and I'm a few days past my normal schedule. It seemed necessary. So I've known about this guy who is apparently an emergency room physician who got burned some years ago

Continue reading

I Like It

I came a cross this today and thought it was a nice piece done on the subject.  Though I don't personally think LBS is all that and a bag of chips like Guardian career agents (who have exclusive proprietary

Continue reading

The Methodology Behind “Average” Rate of Return

When someone quotes the rate of return on a specific investment or quotes average returns on an index to support a theory behind achieving similar results in their investment, do you actually know what

Continue reading