Jun 28, 2026

Universal life insurance is the product everybody loves to dunk on. The vanishing-premium horror stories, the lawsuits, the agent who swore the premium would disappear and then mailed you a letter twenty years later saying it wouldn’t. If your only exposure to UL is the cautionary tales, you’ve been handed the...

Jun 21, 2026

If you earn $400,000 or more, much of the standard financial advice you encounter was written for someone with a very different set of circumstances. You can max the 401(k), buy index funds, and hold a 60/40 portfolio and still end up with a plan built almost entirely out of a single material: market-correlated growth...

Jun 14, 2026

If you've ever wondered whether life insurance or an annuity is the better tool for generating retirement income, the honest answer is that it depends — and figuring out which variables matter most is the work that gets you to a real answer.

Both products belong in the conversation because they share something most...

Jun 7, 2026

If a whole life illustration shows a year-30 internal rate of return near 5 percent, you might wonder what happens if the dividend scale falls. Lowering the dividend assumption by 50 basis points is easy to model. The harder question is whether that reduction is actually likely, and what would have to happen in...