We’ve addressed the subject of sequence of returns risk in the past. We’ve even discussed it on the new Insurance Pro Blog Podcast. This subject has become a hot topic in more recent years as financial advisors now struggle to build retirement income plans for their clients and face the problem that few, if any, …
Over the last few years…basically since the beginning of the Insurance Pro Blog going back to the summer of 2011, we’ve been preaching the gospel of whole life insurance. Sure, there have been plenty of people who’ve come along to tell us how wrong we are and how a simple investment in an index fund …
Next up in our installment of arguments against permanent life insurance is the notion that returns are negative in the beginning and the good stuff simply takes too long to materialize. If you look at a life insurance proposal ledger, you’ll notice that there is indeed a negative return during the early years. The length …
Insurance Pro Blog podcast episode number one…Why Life Insurance? For those who don’t know, or even those who think they know, we’ll tell you clearly…we do actually own and operate a life insurance practice. We sell permanent life insurance, cash value life insurance, or…
We know the stock market is volatile and we know that stock market losses happen. Traditional advice is that losses can be recouped with time so any investor whose stomach twists into knots when he or she opens a 401(k) statement need not worry if he or she can wait out the correction. For the …
After we published the no contest between whole life and term life insurance article a few weeks ago many of you apparently found a side comment I made very intriguing. We’ve received more emails asking about our typical clients than any other subject since that article went live. I’ve resisted writing this post for years. My …
Fixed indexed annuities are fixed interest rate annuity products that derive the interest rate credited to the policy’s cash values based on movement in an index (the same way indexed universal life insurance derives an interest rate). They often provide additional benefits through a rider that guarantees a level of income from the annuity. The accumulation of …
Life insurance is a pretty unique financial tool. It’s no secret around here that we’re fans. Our admiration comes from personal observations and a lot of number crunching we’ve done to arrive at the opinion we have. But not everyone shares in our high opinion of life insurance and the life insurance industry.
In the past few years, you’ve probably heard the buzz about “alternative investments.” So, what are they, anyways? In the highly regulated world of investments, there are a few specific things that are typically referred to as alternative investments: hedge funds, non-listed REITs, private equity, gold, fine art, vintage Ferraris, wine, etc. You get the …
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 little surprise that a marketing program that seeks to help insurance agents sell more whole life insurance would work to …
