Jun 14, 2026
If you've ever wondered whether life insurance or an annuity is the better tool for generating retirement income, the honest answer is that it depends — and figuring out which variables matter most is the work that gets you to a real answer.
Both products belong in the conversation because they share something most...
Jun 7, 2026
If a whole life illustration shows a year-30 internal rate of return near 5 percent, you might wonder what happens if the dividend scale falls. Lowering the dividend assumption by 50 basis points is easy to model. The harder question is whether that reduction is actually likely, and what would have to happen in...
May 31, 2026
Infinite banking gets pitched to almost everyone, but it only works for a narrow group of people. The concept isn't about how much you earn or how disciplined you are at saving. It comes down to whether you borrow money regularly and what that borrowing actually costs you.
The original idea, as Nelson Nash conceived...
May 24, 2026
Most people assume the Fed controls interest rates. The bond market has a different opinion — and over the past several years, it's been winning. Understanding why that matters could change how you think about the whole life insurance policy you own, or the one you've been considering.
When the Fed cut rates three...