Several years ago, I published a blog post that used real whole life data results to compare to passive index investing results. The results showed that a well designed whole life policy that maximizes cash value comes extremely close to the results we can anticipate from passive index investing. That’s not, of course, to flat …
Investing in the stock market certainly has its advantages. It can produce some incredible new wealth for those who are disciplined (and in some cases lucky). But the market is not the panacea when it comes to wealth accumulation or retirement planning. It’s a tool one can (and most likely should) employ to grow assets. …
The U.S. stock market just wrapped up one of its worst weeks ever. The Dow Jones Industrial Average dropped around 17% this week alone. The S&P 500 finished the week down 13%. And the NASDAQ fell 12.6%. All of this comes following additional losses in earlier weeks. It’s been over a month since the S&P …
With all the recent bad news surrounding pandemics, toilet paper shortages, store shelves devoid of my beloved Ramen noodles and the most volatile stock market we’ve seen in decades, it seems like a good time to talk about non-correlated assets. Several years back, I promised a marketing expert that we hired to help with some …
We started sounding the alarm about the sequence of returns risk way back in 2013. Since that time, others jumped on our train to warn retirement savers that one of the most dangerous risks they face is the timing of market movements. These movements can hit savers harder as they accumulate more assets and it …
Some financial bloggers appear to hate whole life insurance. A good lot of them have blog posts dedicated to extolling the virtues of term life insurance over whole life insurance. According to them, whole life insurance is: Expensive Illiquid A terrible “investment” Sold not bought Confusing And that’s just a few of the not so …
If you’ve been around long enough to read more than a couple of posts on our site or listen to any of our hundreds of podcast episodes, you probably think that’s an odd question. After all, aren’t we the guys that kinda known for helping clients buy whole life insurance and agents better understand how …
The Whole Life Insurance Study began as a question concerning the impact modern communication technology had on the sale of life insurance–specifically whole life insurance. Given the freedom to publish content anywhere and everywhere with varying degrees of knowledge and expertise, the lines between true knowledge and conjecture blur a bit. As such, people develop …
I appreciate creativity. When I first started selling life insurance, I spent hours studying the product. Prodding it in various ways to see what it did. When I happened upon a few tricks I could use to manipulate whole life insurance to produce more cash value, I figured I simply arrived at an understanding others …
Some say that whole life insurance only makes sense for the ultra-wealthy. Believe it or not, one of the top-ranked websites for personal finance makes this claim about whole life insurance, “…such policies usually only make sense for individuals with a net worth of at least $11.4 million” (estate tax exemption threshold). Uhhh…not sure how …
