Category Archives for Insurance Pro Blog Podcast

Life Insurance Illustration: Basic vs. Supplemental Ledger

A life insurance illustration is a tool that agents use to detail the various features of a proposed life insurance policy.  These rather lengthy documents contain a lot of information and sometimes delineate

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Should I Buy Whole Life Insurance?

Should I buy whole life insurance if I'm young and have no dependents?  This is a question that we field more often than you might think, so today we want to address this question for those who might

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Whole Life Insurance as an Investment

If you spend any time looking around this site, you'll find plenty of content detailing the various features of whole life insurance.  We've detailed at length the use of whole life insurance specifically

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Annuity Buyers Can Do Better But Should They?

What drives annuity buyers?  I mean with all the negative press about the evils of annuities, what on earth possesses these people to actually pull the trigger and purchase an annuity? Let's not forget

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The Definitive Discussion on Whole Life Insurance Dividend Recognition

Whole life insurance dividends are a fun subject we discuss quite regularly.  But a more obscure and advanced topic on this subject is the way life insurer adjust dividends (if at all) whenever a policyholder

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Buy Term and Invest the Difference Is Still Broken

Buy term and invest the difference is an academic argument that suggests you should skip the “expensive” whole life insurance et. al. and instead by “cheap” term insurance.  You

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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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