IPB 010: An Introduction to Universal Life Insurance

Today we're backing up a bit before we move forward. As it turns out we already have the next couple of months episodes already mapped out…which you'll know is very unusual for us if you've been following us for any length of time.

But with this newest podcast we're really making an effort to be more organized with providing information in a more logical order. It's hard to say what that means when you're talking about life insurance, however, we are making an effort.

So far, we've spent a good deal of time discussing

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IPB 009: Whole Life Dividend Recognition–Direct vs. Non-Direct

The debate over dividend recognition with participating whole life insurance policies has been raging for about three decades. For most of that time, it's a debate that existed only in the annals of the life insurance industry. At least until just a few years ago.

What happened a few years ago to bring it to the forefront?

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IPB 008: Whole Life Insurance Policy Blending Explained

In episode 8 of the Insurance Pro Blog Podcast we're talking about whole life insurance policy blending. Sounds exciting right?

It might be to those of you who've been listening to and/or reading our stuff for a while and have heard us bring up the term “blending” but never really understood what we actually meant. Being true to form…

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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 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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