IPB 006: Sequence of Returns Risk

In the world of risk there are specific things that typically get mentioned–market risk, liquidity risk, interest rate risk and systemic risk. But before you all run away thinking that we're going to get in some mind-numbing conversation about such esoteric concepts…don't fret, we're not.

No, in fact we're going to discuss a different type of risk altogether. One that is much more practical and is very real. Or at least should be very real to us all.

There's one risk that is the most infamous of them all (or should be)…sequence of returns risk. I know we throw around such terminology as if

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IPB 005: Life Insurance, The Income Producing Rockstar

 

When most people think of life insurance, the first thing that comes to mind is the death benefit that it provides to loved ones or causes after you die…right?

That's a pretty obvious benefit and not one that should be downplayed to any extent. We've seen firsthand the power of a life insurance benefit left behind for a family that's lost their primary breadwinner. It certainly doesn't make handling death any easier, but it does a great deal to ease financial pain.

If you've spent any time reading and/or listening our material, you know that most of our clients are not primarily focused on the death benefit.

Yes, it turns out that life insurance has some other nifty

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IPB Episode 004: Whole Life Insurance is Awesome and We Have Historical Proof to Back It Up

Over the last few years…basically since the beginning of the Insurance Pro Blog going back to the summer of 2011, we've been preaching the gospel of whole life insurance.

Sure, there have been plenty of people who've come along to tell us how wrong we are and how a simple investment in an index fund could certainly outperform the return on the cash value of a whole life insurance policy.

To this, we've never disagreed. Yes, in fact, we too believe that a long term investment in stocks or equity funds of any kind should…

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IPB Episode 003: Whole Life vs. Indexed Universal Life–Which is Better?

When it comes to battles in the life insurance world, none rivals the one that exists between those squarely in favor of whole life insurance always being the best option versus indexed universal life insurance. And it’s a debate and/or fight that mostly serves to confuse consumers. So, we thought it would be appropriate to …

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IPB Podcast Episode 002: Life Insurance Policy Design

Did you know that not all life insurance policies were created with the same intention? No, I'm not referring to the difference between whole life insurance and term life insurance.

That's a pretty obvious difference.

What's less obvious is the difference that exists between different whole life insurance policies. And that complexity actually exists on two levels.

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IPB Podcast Episode 001: Why Life Insurance?

Insurance Pro Blog podcast episode number one…Why Life Insurance?

For those who don't know, or even those who think they know, we'll tell you clearly…we do actually own and operate a life insurance practice.

We sell permanent life insurance, cash value life insurance, or…

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