Preview Mode Links will not work in preview mode

Dec 15, 2016

Something we hear and/or read repeatedly is that a life insurance contract is simply too complicated for any mere mortal to understand. The complexity is just too great. How could ever understand what you're actually buying? We don't disagree that if you were to sit down and ready your policy from cover to cover...


Dec 1, 2016

We’ve discussed “Sequence of Returns Risk” numerous times in the past, but most of those discussions focused on how this phenomenon affects your assets in a draw down period (i.e. a time when you are spending the money you saved to cover expenses and/or generate income). Today we want to talk about sequence of...


Nov 17, 2016

One question that we seem to get repeatedly is, “Should I put all of my emergency fund into a whole life policy?” The first few times we got this question we figured maybe it was just coincidence? But, after having been around ye olde interwebs for over five years now, and talking to over 1000 […]

The post IPB...


Nov 10, 2016

It's that time of year again…time for companies that offer participating whole life insurance policies to make their dividend announcements for the coming year. (And yes, we realize these are technically the 2017 dividend announcements but since they're made in 2016 we refer to it as the 2016 season.) So far, we've...


Nov 3, 2016

We are often asked about 10 Pay Whole life policies as a strategy to accumulate cash value at a more rapid rate. So, today were getting into why this might not be the best idea. As a quick review a true 10 Pay Whole Life Insurance requires just 10 premium payments.  After those 10 payments […]

The post IPB 049: Why 10...