Category Archives for Insurance Pro Blog Podcast

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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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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