Mar 28, 2019

What drives annuity buyers?  I mean with all the negative press about the evils of annuities, what on earth possesses these people to actually pull the trigger and purchase an annuity? Let's not forget all of the other options available to Americans.  It seems despite the negativity and the plethora of...

Mar 21, 2019

Whole life insurance dividends are a fun subject we discuss quite regularly.  But a more obscure and advanced topic on this subject is the way life insurer adjust dividends (if at all) whenever a policyholder takes a loan out against a whole life insurance policy. We refer to this concept as dividend recognition–it's...

Mar 14, 2019

Buy term and invest the difference is an academic argument that suggests you should skip the “expensive” whole life insurance et. al. and instead by “cheap” term insurance.  You should do this because it will free up financial resources to then invest in the stock market, which will produce more money for you...

Mar 7, 2019

We've all seen articles chronicling the woes faced by policyholders who own universal life insurance.  The names change, but the theme tends to remain the same.  Joe insurance purchaser bought a universal life insurance policy years ago and recently learned that the premium he paid for all these years wasn't enough to...