Category Archives for Life Insurance

10 Things Life Insurance Agents Won’t Say: #4 Variable Annuities are Just Expensive Mutual Funds

Next up on the Market Watch exposé is a discussion about variable annuities, their expenses, complexity, and lack of any uniqueness compared to other investments options—or at least that’s what someone

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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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Ten Things Life Insurance Agents won’t Say: #3 Your Child doesn’t Need Life Insurance

Life insurance for children is a topic I’ve discussed in the past, a few times. And while I mostly agree that a lot of agents (and consumers) often get things backwards in terms of what, how, and even

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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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Ten Things Life Insurance Agents won’t Say: #2 We’d Rather Sell you Investments

Moving right along on our critique of Market Watch’s failed attempt at a slam piece against insurance agents from a few months ago, today we take on item #9. Apparently insurance agents find insurance

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Indexed Universal Life Insurance: Another Weird Trick to get more Cash out of your Policy

Indexed Universal Life Insurance is the dominate form of fixed (i.e. not involving any direct investment in mutual funds) universal life insurance for cash accumulation, and just like whole life insurance

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Ten Things Life Insurance Agents won’t say: #1 you have too much Life Insurance?

Back in July, market watch published a list of 10 Things Life Insurance Agents won’t say, which is an on going theme for the articles author, Daniel Goldstein. The piece attempts to be provocative and

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Whole Life Insurance: “One Weird Trick” to get more Cash out of your Policy

We all want more money. And when it comes to getting more money, we tend to think that there’s an arduous task ahead of us marked with unrelenting sacrifice and persistence. But when it comes to whole

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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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The Life Foundation’s Miserable Valentine’s Day Fail

While we have no particular interest in being pariahs, we certainly have received a good amount of admiration for holding the insurance and financial services industry accountable on its many foolish blunders.

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Why do we See more Income from Universal Life Insurance than Whole Life Insurance?

We make a lot of comparisons at The Insurance Pro Blog and whenever and even more behind the scenes at The Salus Agency. And one of the biggest questions that consistently comes up from some of those comparisons

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Two Whole Life Policies and Two Different Modified Endowment Contract Limits?

We recently received a really good question regarding whole life insurance and modified endowment contracts that seems like it should have already been the subject of an Insurance Pro Blog article, but

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Breaking News: Industry Legand O. Alfred Granum Passes Away at 91

Industry legend O. Alfred Granum (Al Granum) has passed away at 91.

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Why the Blended Whole Life Idea is Conceptually Perfect, but sometimes Practically Flawed

Blended whole life insurance has long been a mainstay subject at the Insurance Pro Blog. Dare I go so far as to say it’s the subject that acted as the catalyst for the site’s existence (that might

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Cash Value Life Insurance General Design: The Reserve

Whole life insurance and universal life insurance are both known as permanent life insurance products. For most people that understanding is good enough, but by design there is something that must be done

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Applying for Life Insurance with a Ventricular Septal Defect

Ventricular Septal Defects or VSD’s are holes in the interventricular septum (the wall that separates heart chambers) of the left and right ventricles. To be clear, generally it’s one hole in the septum

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If the Market Rally Continues is Indexed Universal Life Insurance Dead in the Water?

Following up on last week’s article regarding whole life insurance and improved market conditions, we’re bringing the same question up about indexed universal life insurance this week. Since we already

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Back to Basics: What is the 1035 Exchange?

We’ve decided there are a number of more elementary topics that we’ve not discussed here and in the interest of making the Insurance Pro Blog as great a resource as possible on the topic of insurance,

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If the Market Continues to Rally, is Whole Life Insurance Dead in the Water?

It’s been a pretty good run for whole life insurance over the course of the last five years. 2008 scared the pants off many Americans and has reminded us all that maybe being an “investor” isn’t

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Indexed Universal Life Insurance Company Asset Yield Comparison

Oops!! Not sure what happened with our other post today…but hopefully it works this time.  Thanks for your patience. As a form of cash value life insurance that can be manipulated for asset building

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Breaking News: Guardian Life Announces 2014 Dividend Rate

The Guardian Life Insurance Company of America has announced its plan to pay $776 million in dividends to its participating life insurance policyholders. The $776 million dollar payout is a decline from

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Breaking News: Penn Mutual Announces 2014 Dividend Rate

The Pennsylvania Mutual Life Insurance Company announced today its plans to pay $33.2 million in dividends to its participating policy holders in 2014. This payout represents a 7% increase in the total

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Principal National Life Joins the Indexed Universal Life Market

Principal National Life has released its product for the indexed universal life market. Indexed Universal Life FlexSM is the name of the product and it carries some interesting features including an S&P

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Breaking News: New York Life Announces 2014 Dividend Rate

New York Life has announced its plans to pay $1.43 billion in dividends to its participating policy holders. This dividend payout is an increase of $109 million over last year. In a very quiet announcement,

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Breaking News: MetLife Announces 2014 Dividend Rates

The Metropolitan Life Insurance Company has announced its intentions to pay $1.25 billion in dividends to participating policyholders. Policyholders include both MetLife, New England Financial, and General

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Life Insurance Company Ratings: What Really Matters

We've discussed life insurance company ratings a couple of times from an informational point of view. Today I want to discuss the topic from a practical point a view (i.e. what's the overall benefit to

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Breaking News: National Life Group Announces 2014 Dividend

National Life Group of Vermont announced its plans to pay $83 million in dividends to its participating policy holders. In the announcement National Life Group's President and CEO, Mehran Assadi remarked

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Breaking News: Ohio National Announces 2014 Dividend

Ohio National Life has announced the dividend interest rate for 2014. In an announcement from President and CEO Gary “Doc” Huffman, ONL noted its great expense management, strong portfolio performance,

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