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 …
How to Use Life Insurance to Create Tax-Free Retirement Income By: Brandon Roberts & Brantley Whitley of The Insurance Pro Blog 1. The federal government has a plan. Whether or not you choose to accept it–is irrelevant. As the late Senator, Daniel Patrick Moynihan, once said: “Everyone is entitled his own opinion, but …
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 interest rates means that we need to seriously test our design and proposed ideas to ensure proper expectations as it relates to policy performance. …
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 before, once quite a while ago when he attempted to malign whole life insurance and again about a year ago when …
Today we’re discussing the other “i” word–illustration. We are diving into how illustrations are manipulated to sell the sizzle and not so much about focusing on the substance. It seems that far too many of the people working in the marketing department feel that they need to really “push the envelope” in terms of illustrating …
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 (i.e. that competes for those dollars) like to focus on fees and talk about how terrible the product is. And in recent …
The financial crisis of 2008 was over nearly five years ago but recent research shows us that investors are still having a really hard time finding the balance between performance and safety. Today we have a barrage of statistics showing us that investors are still not quite sure they should be back in the stock market …
While there is no doubting the last couple of years have been really great years for the stock market (if you think of it in terms of the growth over the year, rather than growth from many years past), but we’d like to take a moment and think of things a tad longer term. But …
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 all it’s cracked up to be. As the blood pressure among our investment salesmen and women slowly rises following …
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 500 Total Return indexing fund (i.e. taking dividend reinvestments into account, this is a first for the indexing world). We’ve only taken a …
