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Sep 25, 2022

With the recent economic turmoil and subsequent rate hikes from the Federal Reserve to curb the highest inflation we've seen in 40 years, many are looking for refuge from the volatility of stock and bond markets. 

It's understandable and whole life insurance certainly offers a safe haven from the ups and downs of...


Sep 18, 2022

Claims that expenses on IUL increase and bankrupt policies are nothing new.  There's a shred of truth in the rising expenses argument, but it's overblown.

It's the claim that always scared us about UL when we both worked for big mutual companies that hated universal life (of all kinds).  And it wasn't until we sat down...


Sep 11, 2022

Recently, an article was published by Forbes Advisor that sounded the alarm on all of the supposed potential pitfalls of indexed universal life insurance. It was brought to our attention by a client and we were asked to comment on it. 

The contents of the article were of no great surprise to us. It is an all too...


Aug 28, 2022

What happens when you plan ahead a little bit and choose to shift a portion of your portfolio to whole life insurance? More importantly, how does it influence your behavior with the rest of your money...the piece that's NOT allocated to whole life insurance?

We've been beating the "income" drum for a long time now and...


Aug 21, 2022

Every now and again, someone pops up with questions about "private placement life insurance". There's something about it that sounds really special.

After all, it allows you to invest your life insurance cash value into hedge funds. That means you're a part of a super exclusive club. 

It may very well be something...