Category Archives for Insurance Pro Blog Podcast

IPB 047: The Modified Endowment Contract

  Note: The podcast is fresh and new but the written post below is a re-post of information that Brandon wrote a few years back on modified endowment contracts: Anyone who has looked into cash value

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IPB 046: Life Insurance Has Never Caused a Financial Meltdown

In light of the recent developments with Wells Fargo opening accounts for people without consent and their CEO, John Stumpf, being skewered by Senator Elizabeth Warren… We decided it would be a great

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IPB 045: Can We Just Leave Dave Ramsey Alone?

We're drawing a line in the sand here. It's time for insurance agents to get over Dave Ramsey. He has his crowd, his fans, his followers or whatever you want to call them. And that's okay…get over

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IPB 044: It’s All About the Taxes

In exploring what we should talk about in episode 44, we realized that we've somehow gone almost an entire year without dedicating an episode to a discussion of taxes in relation to life insurance. Oops! Sometimes

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IPB 043: The Indexed Universal Life Safety Review

With the current wave of companies lowering the caps on indexed universal life contracts, we thought it would be good idea to share our thoughts on that today. Honestly, we've been “low balling”

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IPB 042: The Really Important Life Insurance Metrics

Well the summer's over. Which obviously means that we're not allowed to have anymore fun…right? You'd certainly think that if you were looking at our episode from last week and what we're discussing

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IPB 041: You Naughty, Naughty Life Insurer

Today we are revisiting something that has popped up a few times over the years of writing and podcasting. But our take is a bit different and the focus of this episode follows suit. Our discussion revolves

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IPB 040: Single Premium Whole Life Insurance

Just yesterday, we realized that since we started the podcast back in November of 2015 we've not discussed anything specifically regarding single premium life insurance. With interest rates today at their

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IPB 039: Giving Up Control of Your Money

  If you haven't listened to episode 38, I encourage you to go back and listen to it before you listen to this one. Not that you have to but I think that listening to both of them will give you a

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IPB 038: Income Planning Is a Lot Harder Than You Think

I know, when you see a title that includes “income planning” you begin to wonder… “Isn't this a podcast about life insurance?” Yes, it is. And we are talking about life insurance,

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IPB 037: What Whole Life Product and When?

In this week's episode, we dip into the mailbag to answer a question submitted by someone in our audience. Olivia writes, “Would you discuss the differences for some specialty whole life insurance

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IPB 036: How Negative Interest Rates Could Effect Life Insurance

There's a lot in the news recently about negative interest rates. It's surreal to think that central bankers have gone to such extremes in attempt to stimulate economic growth. If you don't know what I'm

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IPB 035: Fee Disclosure Is Just a Marketing Tactic (life insurance myths debunked part 5)

  In the world of evaluating life insurance policies (something we do daily), it's possible to get bogged down in a discussion of fees. And sadly, it won't do much good. If you're looking at fees

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IPB 034: Yep, They Take Your Money When You Die (life insurance myths debunked part 4)

  There’s no doubt a number of people have made arguments against the ownership of cash value life insurance. You don’t have to spend a lot much time surfing ye olde’ interwebs to find such

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IPB 033: Good Returns Take too Long to Materialize with Cash Value Life Insurance (life insurance myths debunked part 3)

If you've missed part 1 and part 2 of this five-part series, it would be worth your time to go back and listen to both of those episodes. It's not a pre-requisite, but it will help give you a little context

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IPB 032: Life Insurance is a Terrible Investment and the Rate of Return Stinks (life insurance myths debunked part 2)

The claim that life insurance returns are terrible is nonsense and a form of weak thinking mostly intended to confuse and mislead. But it's easier for all the financial bloggers and talking heads to agree

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IPB 031: High Commissions Make Life Insurance a Bad Deal (life insurance myths debunked part 1)

Over the next few weeks our podcast will look at five of the most common myths people have regarding life insurance. In particular, we're looking at those myths that attack cash value life insurance and

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IPB 030: The Definitive Argument Against Buy Term and Invest the Difference

Buy term and invest the difference has long been the mantra of investment salesman(women) and Primerica built an entire company around the idea. The premise behind the concept has always been that one

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IPB 029: How the Economy Impacts Universal Life Insurance

This week's episode is a continuation of the discussion we had last week. If you didn't catch that one, you can go and listen to it now. Last week we discussed the impact that the economy and more specifically,

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IPB 028: How the Current Economy Impacts Whole Life Insurance

Today's episode dives into a discussion of how economic conditions and more specifically how interest rates have and will effect whole life insurance dividends. What happens if rates go down further? I

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IPB 027: Life Insurance Policy Expense Comparison

In today's episode, we dipped into the mailbag and pulled out a question from one of you, our listeners. To be more precise, the question was part of a comment that was asked after episode 25 (Life Insurance

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IPB 026: Life Insurance as a Retirement Tool Part 2

First, if you haven't listened to the previous episode (IPB 025), you really should. That episode will provide a bit of context for today's episode. I'm sure that most people who frequent this site and

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IPB 025: Life Insurance as a Retirement Tool Part 1

One of the biggest problems for most Americans is understanding how to convert the balance they have saved in retirement plans, brokerage accounts etc. into an income they can use during retirement. The

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IPB 024: The Ultimate Guide to Paid Up Additions (podcast edition)

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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IPB 023: The Fiduciary Rule

Well, the Department of Labor has finally rolled out their long awaited ruling on retirement accounts and a new “fiduciary rule”. Rather than re-invent the wheel here in this post, I'm going

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IPB 022: Life Insurance Customer Service Pitfalls

Today we're talking about one of the less glamorous aspects of our business…customer service. It seems like an obvious thing. Surely a life insurance company that sells a particular product will

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IPB 021: Actually, You Shouldn’t Buy That Policy On Your Kids

In the world of “financial advice” there is certainly no shortage of bad ideas. Today's podcast focuses in on one particular concept that we think is particularly dumb. There are some savvy

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IPB 020: The Lump Sum Funding Option

In today's episode we discuss the ins and outs of using a lump sum of money to fund your cash value life insurance policy (you can use universal life or whole life). With the paltry interest being paid

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IPB 019: What About Variable Universal Life Insurance?

We never talk about variable universal life insurance. It's true, the black sheep of the life insurance world isn't something we ever really discuss. And occasionally someone comes along to ask us about

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IPB 018: The Rich Man’s Roth

Did you know that whole life insurance is just for rich people? Have you ever heard that? Do you agree? It could be argued that all types of permanent life insurance (whole life and universal life) are

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