Category Archives for Cash Value Life Insurance as an Asset Class

Paid Up Additions: How to Create Flexible Whole Life Insurance

The fixed premium in whole life insurance gives many people a fear of commitment. But, it doesn’t have to be this way. You need not approach whole life insurance with apprehension. The annual premium

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The Myth of the Rising Cost of Universal Life Insurance

For years, those who favor whole life insurance have told us that universal life insurance has an evil side. The product with an optimal expense structure that affords the policyholder ample opportunity

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7 Reasons to be Wary of Indexed Universal Life Insurance? A Response to Bank on Yourself

Pam and friends over at Bank on Yourself® released a blog post detailing the reasons to be wary of Indexed Universal Life Insurance complete with a video to further emphasize their point. It comes as

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Proper Assumptions about Indexed Universal Life Insurance Income

Using indexed universal life insurance for retirement income comes with a certain degree of skill and responsibility that shouldn't be overlooked. The liberty an agent or broker can exercise over assumed

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Indexed Universal Life Insurance: The White Coat Investor Responds

Last week we published a critical piece regarding a recent review of indexed universal life insurance that showed up on Jim Dahle’s website The White Coat Investor. Jim took our criticism seriously

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Is Indexed Universal Life Insurance Just what the Doctor Ordered?

Most of our readers and clients are familiar with the White Coat Investor—a web site started a few years ago by Jim Dahle, a physician who practices Emergency Medicine. I’ve talked about Jim’s work

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Even Bad Whole Life Insurance has worked out Pretty Well

Bad whole life insurance, the stuff that isn’t designed the way we suggest it should be, sometimes catches fire for its so-called poor returns. Those with something to sell you that isn’t life insurance

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Why Life Insurance Policy Loans Help You Save Money

Life insurance policy loans are a long standing feature of cash value life insurance. And this feature can be a very powerful financial tool at your disposal when used correctly. I would even argue that

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Can you Invest Better than an Insurance Company?

The investment sales world is often interested in convincing us that their products are superior, but when proof of superiority is lacking one opts for a common secondary method…bad mouthing the competition.

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