We are exhuming the body of the Retirement Income horse. Yeah, we figured we haven’t quite beaten this horse enough, so we’re gonna dig him up and beat on him some more. This is all metaphor of course, we don’t have any real hatred of horses or any other animals for that matter. Recently, in …
(Complete Show Notes Below) In the 60th episode of the Financial Procast: So today we’re going to get into something we should’ve gotten into a long, long time ago. Admittedly it’s a tad embarrassing that we’ve not compared whole life insurance and universal life insurance side by side either on The Insurance Pro Blog or …
Whole life insurance has a pretty wild reputation around the interwebs. There are those who would have you believe it’s the devil seeking to ruin your financial affairs, and others—like us—who believe it’s a pretty cool place to store and accumulate cash—and we’ve encountered plenty of people who agree with us on that front. Despite …
The “is whole life insurance a bad investment?” discussion is a great example of the classic advice we were given when the internet was a fairly new phenomenon and we had only just begun to use it as a resource for information. As we were out searching the world wide web with Metacrawler we were …
There’s no doubt a number of people have made arguments against the ownership of cash value life insurance. You don’t have to spend a lot much time surfing ye olde’ interwebs to find such evidence. Too many of these arguments are propped up on misinterpretations of the various products that exist–heck even the agents themselves …
You can find the latest Whole Life Dividend Analysis here. Whole life dividends are commonly reviewed and compared among companies. For the most part, all we see are current year rates compared. On the rate occasion, someone might bring up the average dividend interest rate among carriers over a certain time period—most often 20, because …
Earlier this month, Gallup released data it collects concerning stock ownership in the United States. The data show that stock ownership among Americans is at its lowest point since Gallup began tracking the data in 1998 with just 52% of American’s surveyed claiming to either directly or indirectly own stock in a public company. Historical …
Many of the people who reach out to us hope to use cash value life insurance to create retirement income. They’ve heard about this possibility, maybe read a book or two that talked about it, and, in some cases, even talked to a “certified” advisor. But, they’re still scratching their heads as to how it …
We’ve heard a lot recently about the fiscal cliff and the second dip, so recently I decided to spend a weekend reviewing stock market charts. Some of you might remember this guy from last year. Consider this part two.
First, I feel like I should explain what I mean when I sub-titled this post a “view evolved from evil to truth”. It really goes back more than a decade when I was first “quietly” recruited and subsequently “trained” by one of the big Blue mutual insurers. Keep in mind in those early days of …
