Category Archives for Insurance Pro Blog Podcast

IPB 107: When Interest Rates Go Up, Bonds Go Down. What Does It Mean for my Life Insurance?

Everybody wants to know what is going to happen with the insurance industry if interest rates go up, go down, stay the same, etc. So, we figured today was as good a day as any to address some speculation

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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 of 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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How Does Life Insurance Create Retirement Income?

We all understand that life insurance provides a death benefit, but its ability to offer additional financial resources are spectacular and often understated.  If you've researched the topic of life insurance

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Are Whole Life Insurance Policies Worth It?

If you've been doing a lot of research about the different types of life insurance, maybe you're wrestling with a big question…Is whole life insurance worth it? That's a simple question with a not-so-simple

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IPB 095: When a Lower Rate of Return Gives You More Money

“Whole life insurance/universal life insurance is a terrible investment because the rate of return is horrible.”  We've heard that before.  You don't have to wander the interwebs far to find

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IPB 094: The Ticking 401k TimeBomb

The Center for Retirement Research at Boston College has released their latest report which compiles information from the Federal Reserve's: Survey of Consumer Finances (SCF) which provides a glimpse into

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IPB 093: Indexed Universal Life In-Force Review

  Well, it's the end of the year once again. As we typically do at this point, we're conducting policy reviews for our clients, evaluating how we've all faired in 2017 and making plans for the new

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IPB 092: Is Cash Value Life Insurance No Longer a Good Idea?

The trend for dividend interest rates for participating whole life insurance and the cap rates for indexed universal life insurance have been a long trend downward. No denying that. But does that change

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IPB 91: 2017 Dividend Season

It's that time of year again…time for companies that offer participating whole life insurance policies to make their dividend announcements for the coming year. (And yes, we realize these are technically

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IPB 090: Is Cash Value Life Insurance Expensive?

Over the past few weeks, we've had a half-dozen or so conversations with folks who would like to understand the expense of owning cash value life insurance. Yes, for the sake of our discussion we are lumping

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IPB 089: The Misery of Retirement

  The 2017 Boomer Expectations for Retirement survey from the Insured Retirement Institute reveals that things are not really improving for Boomers as they move into and toward retirement. There are

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IPB 088: Do Increased Expense Charges Really Cause Problems for Universal Life Insurance?

It seems there's no end to the bad news in our industry as it relates to increased COI/expense charges for universal life insurance policies that were sold by SOME companies. Lawsuits are popping up and

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IPB 087: Listen Carefully, We Have Something Important to Tell You About Life Insurance

  Often times, understanding the power of cash value life insurance requires a paradigm shift. It's not all that complicated really, just not entirely comparable to anything else. A vast majority

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IPB 086: You’re Focusing on the Wrong Thing

  Following up our episode from last week where we discussed how an indexed universal life (IUL) policy would have fared over the last 10 years, we thought it would be interesting to dig into THE

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IPB 085: Double Your Money in 10 Short Years

If you'd invested at the very top of the last market cycle–October 9, 2007, you'd now have slightly more than doubled that investment (according to the Wall Street Journal) despite the vomit-inducing

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IPB 084: Yes, You Need a Forced Savings Plan

  It's not uncommon for people to refer to whole life insurance as a “forced savings plan” or at least it was common back when we started out in the industry. Sounds like a bad thing but

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IPB 083: Are Whole Life and Universal Life Insurance Interchangeable?

I know that all of our listeners are teeming with excitement as they see us release a new episode. We figured that if we gave it the ole college try, we could produce two episodes of the podcast for the

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IPB 082: What Does the Equifax Breach Mean for Life Insurance?

  Last week, Equifax, the largest credit reporting company, reported a major breach of its core database. It is by far the largest hack of its kind to date and is estimated to have impacted more than

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IPB 081: The Death of the Life Insurance Medical Exam

  In episode 81, we're talking about the newest trend emerging in the world of life insurance underwriting and that is… The end of paramedical exams and lab tests. Now, the exams aren't going

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IPB 080: Black Box Baloney

  Whole life insurance is often maligned by the rest of the financial services world (those who sell registered investment products) as lacking transparency. It’s referred to as a “black box”

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Five-Year Whole Life Insurance Company Investment Yield Trend: 2016 Edition

  For five years, we have tracked the investment yield trend of whole life insurance companies and we continue to analyze this data every year because investment income is a primary driver of dividends

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IPB 078: The Bondex v2.6.4.3

  To continue on with the discussion of potentially rising interest rates… We actually get into what it might mean for life insurance companies and for your life insurance policy–whether

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