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Dec 21, 2017

  Well, it's the end of the year once again. As we typically do at this point, we're conducting policy reviews for our clients, evaluating how we've all faired in 2017 and making plans for the new year. In the past, we've had some critics who've come along to point out what they deem are […]

The post IPB 093:...


Dec 14, 2017

The trend for dividend interest rates for participating whole life insurance and the cap rates for indexed universal life insurance have been a long trend downward. No denying that. But does that change our perspective on cash value life insurance? The trend for dividend interest rates for participating whole...


Dec 7, 2017

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 2018 dividend announcements but since they're made in 2017 we refer to it as the 2017 season.) This year the...


Nov 16, 2017

Over the past few weeks, we've had a half-dozen or so conversations with folks who would like to understand the expense of owning cash value life insurance. Yes, for the sake of our discussion we are lumping together whole life and universal life insurance. How can we do that? Aren't they distinctly different products?...


Nov 9, 2017

  The 2017 Boomer Expectations for Retirement survey from the Insured Retirement Institute reveals that things are not really improving for Boomers as they move into and toward retirement. There are more than a few disturbing statistics to share. I recommend you follow along with the report as you listen to this week's...