Category Archives for Insurance Pro Blog Podcast

IPB 077: The Perilous Bondex

  Former Federal Reserve Chairman, Alan Greenspan, believes the next bubble to burst will not be in the equity markets…it will be a normalizing of yields in the bond market as inflation ticks

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IPB 076: The Consequences of Outliving Your Life Insurance

  Did you know that it's possible to outlive your permanent life insurance? That entire sentence is discombobulating. When does permanent not really mean permanent? Recently, a pending court case

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IPB 075: Stay for the 401k?

In episode 75, our discussion revolves around a suggestion that comes from this article over at Fox Business. In particular, the article points out that many larger and well-known employers are aggressively

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IPB 074: Whole Life Insurance Litigation

  Recent settlements have been reached between policyholders and a couple of mutual life insurance companies. Turns out an obscure bit of insurance regulation from 100 years ago might get you an extra

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IPB 073: Don’t Worry About the Economy…We Got This

Recent comments from Fed Chairman, Janet Yellen, indicate that she thinks we'll never see another financial crisis like we saw in 2008. She's probably right but is that really a profound observation?

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IPB 072: How Do You Define “Best Interest”?

Well, the day of reckoning has come and gone. The new Department of Labor's new Fiduciary Rule is largely in effect across the financial services industry. Discussion over the rule and its implications

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IPB 071: Nationwide Sued for Increasing Cost of Insurance

Are increasing COI charges really a problem with universal life insurance? Or could it be that competence in understanding policy design (from the outset) and management is actually more important? Today

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IPB 070: Question and Answer-Round 2

Episode 70 marks only our second FAQ episode since we started the Insurance Pro Blog Podcast. But it proves that we do indeed love the questions that we get from our audience, so keep'em coming our way.

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IPB 069: Look Harder Before You LEAP

Today's episode revolves around a discussion of the LEAP system and how it contributed to the revocation of an insurance agent's license. An agent in Ohio had his insurance license revoked after using

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IPB 068: Unsinkable Whole Life Insurance

We often hear stories of sorrow regarding evil life insurance companies. Stories that depict how a person paid thousands of dollars in premium only to have the insurance company steal all their cash and

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IPB 067: Should You Use Life Insurance to Diversify Your Retirement Income?

How could life insurance fit into your overall retirement income plan? That's what episode 67 is all about. For most people going forward, relying on pensions to form a stable foundation for their retirement

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IPB 066: Life Insurance Design Q&A

It's been a while since we've done any sort of FAQ episode. So, today we remedy that with three of the most commonly asked questions we get about life insurance policy design when seeking cash accumulation

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IPB 065: According to DALBAR Average Investor Results Are Below Average

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

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IPB 064: Sorry, You’re Not Rich Yet

A million bucks ain't what it used to be. There is a movement afoot to liberate people from their life of indentured service aka “a job”. While we believe it's a noble pursuit to pursue financial

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Wait…Aren’t Fixed Indexed Annuities Evil?

According to all media reports and the long fought battle around the Department of Labor's new “Fiduciary Rule”, fixed indexed annuities are evil. If that's so…why are more people than

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IPB 062: The Long Term Care Insurance Debacle

We're veering off course slightly this week to discuss long term care insurance. The recent decision to finally allow the beleaguered long term care insurance company, Penn Treaty (not to be confused with

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IPB 061: Life Insurance Premium Financing

It's honestly a bit shameful that we produce a podcast for well over a year that has life insurance as its primary subject and we've yet to discuss the subject of life insurance premium financing. Well,

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IPB 060: The Retirement Nightmare

If you believe the government needs to figure out a way to help you better fund your retirement, you probably should just skip this episode. On the other hand, if you'd like to hear us discuss a recent

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IPB 059: Leverage…You’re Probably Doing It Wrong

In episode 59, we're not directly discussing the finer points of cash value life insurance. Just thought I'd get that out of the way in the spirit of full disclosure. No, we're adding another episode to

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IPB 058: When Your Insurance Company Decides to Go a Different Direction

Typically when someone says, “we've decided to go in a different direction” I get the image of sitting in the conference room of my very first job post-college. The conference room was affectionately

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IPB 057: Stock vs. Mutual Life Insurance Companies

The debate between life insurance company structure rages on into the 21st century. It's not as big a headline as it once was in the industry. So, does that mean that we've decided that it really doesn't

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IPB 056: No, You’re Not Rich…But You Could Be

After taking another week off from recording a podcast we're back and we're taking another slight detour from diving into the minutiae of life insurance. Not to worry, today's episode is related to life

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IPB 055: Can Financial Advice be Systematized?

Today's episode is not one of our episodes where you're going to get a bit-by-bit breakdown of a life insurance policy or concept totally dedicated to life insurance. No, today we get into a discussion

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IPB 054: Free Life Insurance?

Sorry to disappoint you–we don't have any free beer or life insurance. But we do have our first podcast of the new year and it's a good one. Something we don't often discuss oddly enough in our podcast

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IPB 053: Life Insurance is so NOT complicated

Something we hear and/or read repeatedly is that a life insurance contract is simply too complicated for any mere mortal to understand. The complexity is just too great. How could ever understand what

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IPB 052: Sequence of Returns Risk Is More Complicated Than You Think

We’ve discussed “Sequence of Returns Risk” numerous times in the past, but most of those discussions focused on how this phenomenon affects your assets in a draw down period (i.e. a time when you

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IPB 051: Who Should and Shouldn’t Buy Whole Life Insurance?

One question that we seem to get repeatedly is, “Should I put all of my emergency fund into a whole life policy?” The first few times we got this question we figured maybe it was just coincidence? But,

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IPB 050: Dividend Season 2016

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 049: Why 10 Pay Whole Life Is Not So Great

We are often asked about 10 Pay Whole life policies as a strategy to accumulate cash value at a more rapid rate. So, today were getting into why this might not be the best idea. As a quick review a true

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IPB 048: When a Modified Endowment Contract Makes Sense

  Most people think that creating a Modified Endowment Contract (MEC) is a bad thing. We discussed that at some length in last week's episode. That's mainly because the tax advantages of using life

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