Apr 26, 2026

There's a persistent claim that indexed universal life insurance is doomed to fail because rising costs of insurance will eventually eat the policy alive. The story usually goes something like this: someone bought a universal life policy decades ago, paid faithfully, and one day got a notice that the policy was about...

Apr 19, 2026

After years of declining dividend rates during the low-interest-rate era, every major mutual life insurance company in our latest analysis is trending upward. This is the first update to our flagship whole life dividend analysis since 2020, and the shift is hard to miss.

We walk through 10 years of dividend interest...

Apr 12, 2026

In 2022, the Bloomberg U.S. Aggregate Bond Index lost over 13%. Stocks and bonds fell at the same time, and the core promise of the 60/40 portfolio — that bonds protect you when equities drop — broke down completely.

If you're a high-income investor relying on bonds for the "safe money" portion of your portfolio,...

Apr 5, 2026

At just 3% average inflation, a retiree's dollar loses 45% of its value in 20 years and 59% in 30 years. If you're relying on a fixed income in retirement, that math is working against you every single year.

The good news is that annuities don't have to mean a static income that slowly loses its purchasing power....