May 22, 2022

Dividend recognition dictates the policy a life insurance company has regarding what it does if a policyholder takes a loan out against their whole life policy.  If the company practices non-direct recognition then it does not adjust the dividend in the event there is a loan against the policy.  The company pays the...

May 15, 2022

May 8, 2022

Interest rates are on the rise.  Mortgage rates are up. Treasuries are at levels we haven't seen in a while.  Inflation is top of mind, and the Fed will likely continue raising rates until lofty inflation rates cool down--inflation levels we haven't seen in a very long time.

So with rising interest rates comes...

May 2, 2022

There are life insurance agents, motivated by various marketing organizations, telling people that their taxes are going up.  Way up. 

Apr 17, 2022

Over the years we've seen our fair share of dubious sales practices used by "professionals" to sell the whiz bang awesomeness of cash value life insurance (both whole life and indexed universal life). 

But none as egregious as when we see financial professionals intentionally inflating the rate of return by plugging in...