The MassMutual Life Insurance Company today announced its plans to pay participating policyholders $1.7 billion in dividends in 2021. This payment equals the same total dividend payment to all participating policyholders in 2020. In today’s press release, MassMutual noted business diversity in its strong business performance in non-participating life insurance that continues to bring additional …
The Northwestern Mutual Life Insurance Company today announced its plans to pay participating policy owners a combined $6.2 billion in dividends in 2021. This payout represents the largest total payout of dividends in Northwestern’s history and will most likely be the largest aggregate payout of dividends among all U.S. life insurers. Despite the headwinds Covid …
Dividend recognition deals with how a life insurance company pays dividends to policyholders when they take loans out against their policies. The two options are non-direct recognition (where policyholders receive the same dividend regardless) and direct recognition (where policyholders receive an adjusted dividend when a loan is outstanding). For years insurance agents argued the virtues …
The best whole life insurance policy for infinite banking® is one that uses the most optimal design for the accumulation of cash value. Today I’m going to walk through this as well as guide you on some other important factors concerning any plans you might have to purchase a whole life insurance policy to implement …
The periodic table of investments is a quick view of how varying asset classes performed year-over-year. Started by the Callan Institute, back in the late 90’s the periodic table method of comparing asset classes gained wide expectance as a key way to visualize how various asset classes rank against one another. Additionally, several asset managers/mutual …
Several years ago, I published a blog post that used real whole life data results to compare to passive index investing results. The results showed that a well designed whole life policy that maximizes cash value comes extremely close to the results we can anticipate from passive index investing. That’s not, of course, to flat …
The Whole Life Insurance Study began as a question concerning the impact modern communication technology had on the sale of life insurance–specifically whole life insurance. Given the freedom to publish content anywhere and everywhere with varying degrees of knowledge and expertise, the lines between true knowledge and conjecture blur a bit. As such, people develop …
Whole life insurance companies or life insurance companies that offer whole life insurance comprise a much smaller pool of insurers versus universal life insurance. However, a lot of these companies have extraordinary capitalization and profitability. Today we’re going to detail the whose who among life insurers with whole life insurance products. We’re going to focus …
