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Jun 26, 2022

Universal life insurance is characterized by its flexibility and transparency of expenses.  Unlike whole life insurance, where expenses operate under the cloak of proprietary information, we can easily call up the expense breakdown of universal life insurance policies and see exactly where the money goes.

For universal...


Jun 19, 2022

Whole Life Insurance Rate of Return...It's Not What You Think

Many of us in the financial planning industry like to argue the rate of return.  Not necessarily us specifically.  We learned years ago that it's mostly a colossal waste of time. 

But many of our colleagues enjoy gloating when their investment ideas produce...


Jun 12, 2022

Lately, we've seen a few people touting the whiz bangery of Infinite Banking used to combat high inflation. At first, we scratched our heads with genuine curiosity.

As we explored the "supposed" benefits, we decided it was something we needed to address here in our podcast.

Here are our...


Jun 6, 2022

Many contend that whole life insurance is safer than indexed universal life insurance because, with IUL, there is market exposure.  We understand why many might believe that but we also believe it's false.

Just because the interest earnings credited to an IUL policy are correlated to the movement in the market, doesn't...


May 22, 2022

Dividend recognition dictates the policy a life insurance company has regarding what it does if a policyholder takes a loan out against their whole life policy.  If the company practices non-direct recognition then it does not adjust the dividend in the event there is a loan against the policy.  The company pays the...