Category Archives for Insurance Pro Blog Podcast

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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IPB 017: Beating Up on the 529 Plan

Ever pick on something that was so easy to make fun of that it makes you feel a little bit guilty? Yep, me too. And that's exactly how I feel about the 529 plan. It's bad in so many different ways that

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IPB 016: The Universal Life Insurance Expense Debacle

Perhaps you've heard or seen some of the rumblings about certain life insurance companies raising their cost of insurance (COI) charges on blocks of universal life insurance business. To be sure, this

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IPB 015: The Infinite Banking Concept

We've are often asked about the Infinite Banking Concept and our opinion of it. If we you want to read more about it, we've actually written some other posts about it in the past. You can find those here: Infinite

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IPB 014: Why Your Financial Advisor Never Talks About Life Insurance

So…why doesn't your financial advisor seem all that eager to get into a discussion about life insurance? Most, other than suggesting you should probably have some term insurance will never even bring

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IPB 013: Life Insurance is the Ultimate Emergency Fund

Today we're keeping with the theme from last week's episode. We're discussing the alternatives that you have to whole life insurance. So, if you weren't stuffing thousands every year into your whole life

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IPB 012: Whole Life Insurance vs. the Stock Market

We've been asked to compare whole life insurance vs. the stock market too many times not to make at least one episode about it. It's not a comparison that we're wild about making. First, it makes it seem

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IPB 011: Universal Life Insurance Policy Loans

Today's episode is all about universal life insurance policy loans. Yeah, not the most exciting topic…we know. However, it's important to have at least a high level of understanding on the subject

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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

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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

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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

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IPB 007: 2016 Whole Life Insurance Dividend Recap

Well, we knew that you would need something to distract you from all the things you SHOULD be doing today…shopping for last minute gifts, going to family gatherings, snapping together plastic stuff

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