Mar 29, 2018

Why don't life insurance companies do a better job of marketing the many benefits of using their cash value life insurance policies?  They talk a lot about death benefit, not so much about anything else. Example of the industry frames one of the “benefits”: What the industry says, “You can leave the legacy of...

Mar 22, 2018

We like life insurance because it marches to its own beat.  In other words, when CNBC is reporting panic over Facebook, life insurance carries on almost as if its never even heard of Mark Zuckerberg.  A majority of our clients adopt a similar view on life insurance. Life insurance serves as a wonderful complement...

Mar 16, 2018

Since 2013, we have published the only public analysis of variation in dividends for major participating whole life insurance products.  This analysis is a better gauge of product dividend performance than traditional reporting that focuses on the absolute declared dividend announced by each company. We have long...

Mar 8, 2018

We love paid-up additions and if you've listened to us at all, you're not all that surprised. But we’ve made a little misstep in terms of being so broad in our discussion about them. And we're always adding new people to our audience. So it bears repeating… Not all paid-up additions are created equal. While...

Mar 1, 2018

Few aspects of life insurance are more misunderstood than the guarantees of a permanent life insurance contract (particularly whole life insurance).  You wouldn't believe many of the claims we've heard concerning life insurance guarantees, and we continue to be astonished at the perpetuation of inaccurate statements...