Moderation

I wanted to take a moment this week to temper things a bit and remind everyone that the Insurance Pro Blog is not an appendage of the Bank on Yourself or Be Your Own Banker folks.  We aren't affiliated

Continue reading

Buy Term and Invest the Difference?

You didn't think we'd pass on a chance to tackle this mammoth of the financial planning world did you?  A hotly debated notion for years and years pioneered by a guy who started a company to hawk term

Continue reading

The Kids…

Since we completely ignored the fact that there was a Holiday earlier this week, we'll take a minute to wish everyone a belated Happy Halloween (it's even more embarrassing that the last article to drop

Continue reading

What About My Good Credit?

Every once in a little while this question comes up and recently I had someone ask me about this and decided it was a good topic to address.  We know that when a policy loan is taken, there is interest

Continue reading

Dividends The Power Behind Recapturing Lost Opportunity

Here's something you wouldn't expect to find written around here: Whole life insurance (at it's core) kind of sucks.  Sure everything is guaranteed, and to some people and in some applications those guarantees

Continue reading

Paid Up Additions: The Magic of Cash Value Life Insurance

The paid up additions feature of a whole life insurance policy is one of the most powerful components with respect to cash value accumulation.  Most whole life products have a paid up additions (PUA)

Continue reading

The Chartology They Don’t Really Like Talking About

Ever flip on over the CNBC and watch their stock picking experts talk about chartology?  It's the process of looking at a graphical depiction of a stock or market performance and making “educated”

Continue reading

Here’s the Best Part, You Can Spend It!

Here's something we should address right off the bat that I think a lot of people in the BOY et. al. crowd tend to forget to mention: YOU CAN SPEND YOUR MONEY!  So, if today I'm serving you dinner in

Continue reading

Why?

So the biggest question I get all the time is why?  Why do I need to change the savings/retirement plan that I have currently (and for many the answer is, because doing something…anything is an

Continue reading