Category Archives for Insurance Pro Blog Podcast

IPB 106: Diversifiable Risk vs Market Risk: The Discussion You’re Not Having

Today we’re talking about what happens when it all falls apart. DISCLAIMER: We’re not offering any sort of individualized investment advice. This is for entertainment purposes. We just sell life insurance. For

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IPB 105: Is Indexed Universal Life Insurance Worth it even if the Interest Rate Assumptions are Wrong?

We’re going back to a topic that circles the indexed universal life Insurance wagon. This subject comes up from time to time, and the core question is: is indexed life insurance worth it? And, why do

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IPB 104: You Can Just Buy Bonds: One of the Reasons Not to Buy Whole Life Insurance

Today, we’re talking about the “scam” that has been perpetuated by life insurance companies for over a hundred years. I know, I can hear you saying to yourself, “which scam is that, there

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IPB 103: Why Does the Life Insurance Industry Suck at Marketing?

Why don't life insurance companies do a better job of marketing the many benefits of using their cash value life insurance policies?  They talk a lot about death benefit, not so much about anything else. Example

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IPB 102: Is Index Universal Life Insurance Market Neutral?

We like life insurance because it marches to its own beat.  In other words, when CNBC is reporting panic over Facebook, life insurance carries on almost as if its never even heard of Mark Zuckerberg. 

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IPB 101: The 2018 Whole Life Dividend Analysis

Since 2013, we have published the only public analysis on variation in dividends for major participating whole life insurance products.  This analysis is a better gauge of product dividend performance

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IPB 100: The 2018 Ultimate Guide to Paid Up Additions

We love paid-up additions and if you've listened to us at all, you're not all that surprised. But we’ve made a little misstep in terms of being so broad in our discussion about them. And we're always

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Life Insurance Guarantees: A Big Misinterpretation

Few aspects of life insurance are more misunderstood than the guarantees of a permanent life insurance contract (particularly whole life insurance).  You wouldn't believe many of the claims we've heard

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IPB 098: Why You Should Probably Avoid Life Insurance Premium Financing

We realize that premium finance is really big subject and there's much to say about this. In today's podcast we're discussing some the “less than savory” pitches circulating out there. Much

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