Whole Life Insurance July 4, 2026 · Brandon Roberts Inside the General Account: How Life Insurers Build Your Whole Life Dividend Northwestern Mutual just announced a record $9.2 billion dividend payout for 2026 — about a billion more than the year before, and the largest three-year dividend increase in the company’s history. MassMutual is paying …
Financial Planning June 21, 2026 · Brandon Roberts Financial Planning for High-Income Earners (Beyond the List) If you make $400,000 or more a year, you have already received the standard advice — max the 401(k), open a backdoor Roth, consider a mega backdoor on top of that, pay attention to asset location, fund the HSA, …
Whole Life Insurance June 6, 2026 · Brandon Roberts Whole Life Insurance Dividends: Easy to Model, Impossible to Predict A whole life illustration shows a year-30 internal rate of return near 5 percent. You ask a fair question: what happens if the dividend scale falls? The software answers in seconds. Lower the assumption by 50 …
Case Study May 17, 2026 · Brandon Roberts Whole Life as Portfolio Insurance: A Windfall Case Study A large, unexpected gain changes the planning problem. The question is no longer how to build wealth. It is how to keep what you just earned without giving up the upside that got you here. Whole life insurance …
Whole Life Insurance Does Infinite Banking Work? Yes, For Borrowers Only March 5, 2026 · Brandon Roberts Infinite banking works. The problem is that it gets pitched to almost everyone, when it only makes sense for a narrow group of people. If you have seen the concept sold as a universal savings hack or a …
Whole Life Insurance May 28, 2026 · Brandon Roberts How Rising Interest Rates Are Boosting Whole Life Insurance Dividends Most people are taught that the Federal Reserve sets interest rates. It doesn’t—not the ones that matter most for your whole life policy. The bond market sets those, and lately the bond market has been overruling …
Dividend Analysis April 18, 2026 · Brandon Roberts Are Whole Life Dividends Finally Rising Again? A 10-Year Analysis of the Top Six Mutual Insurance Companies in 2026 For the first time in more than a decade, every major mutual life insurance company we track is moving in the same direction — up. After years of …
Whole Life Insurance April 12, 2026 · Brandon Roberts Whole Life Insurance vs Bonds: The Surprising Bond Alternative for Retirement If you held a 60/40 portfolio in 2022, you already know something is broken. The Bloomberg U.S. Aggregate Bond Index lost over 13% that year. Stocks fell nearly 20% at the same time. The 40% …
Whole Life Insurance April 10, 2026 · Brandon Roberts The Flexible Paid-Up Additions Rider: Why Not All PUA Riders Are Created Equal If you’ve spent any time researching whole life insurance as an accumulation tool, you’ve almost certainly heard that a paid-up additions rider is the key to making the policy perform. And that’s true …
Whole Life Insurance August 19, 2020 · Updated April 3, 2026 · Brandon Roberts Nonforfeiture Options: What Happens If You Stop Paying Your Whole Life Premium? Whole life insurance offers three nonforfeiture options that ensure policy owners receive value from their policies should they decide to cancel — or simply stop paying premiums — before …