Jan 31, 2019

In most interactions with prospective clients who are interested in exploring a whole life policy, there's often a conversation that arises about life insurance guarantees. Given that most of the general personal finance writing out there nearly always presents whole life insurance as a heavy on guarantees it's not a...

Jan 24, 2019

For years, insurance agents, companies, and purchasers have looked at hypothetical ledgers that delineate future policy values in an attempt to articulate policy functionality and understand how one policy's features come together and work compared to another.  Additionally, aggressive selling of policy projections...

Jan 17, 2019

No one wants to quit or be forced to change the primary life insurance company that they are writing business with. Unfortunately, there are times when it is unavoidable…either because the company has changed a key product or because a company decided they don't want to accept new business from you anymore. We've...

Jan 10, 2019

Ohio National officially closed its VA biz and cut trail commissions (fees?) owed to B/D’s and brokers on December 13th, 2018 for any VA sold with a guaranteed minimum income benefit. We don’t know exactly how many VA’s this is but assume that it’s a large block of outstanding business sold within the last...

Jan 3, 2019

To kick off the new year, we are raising the white flag.  We have to concede a position we've long held because consumer sentiment appears to overwhelmingly head in the opposite direction.  For years, we've lampooned the notion of the “holistic” financial planner.  Simply, the notion that one person or small firm...