Preview Mode Links will not work in preview mode

Sep 26, 2019

We started podcasting seven years ago.  It seems a little crazy to me to write that.  But our first foray into the podcasting began in early September 2012 with the Financial Procast.  Here's the very first episode if you'd like to know what we sounded like when we recorded using whatever microphones we could find...


Sep 12, 2019

The taxability of life insurance cash surrender value causes much confusion.  Agents often extol the tax free nature of life insurance.  But the marketing brochures often have numerous footnotes on the tax subject. So is your the cash surrender value of life insurance taxable?  The answer is yes.  The answer is also...


Aug 22, 2019

In a statement made by CEO Eileen McDonnell and President Dave O'Malley, Penn Mutual announced it will suspend the sale of its life insurance and annuity contracts in the state of New York. The suspension comes in two phases.   Phase number one affects the sale of annuities.  Effective August 30, 2019, Penn Mutual will...


Aug 15, 2019

It's hard to figure out what life insurance policy is best.  When it comes to purchases focusing on cash value, we want an easy way to compare policies and declare a winner.  A naturally obvious way to do this is focusing on anticipated rate of return.  But how people go about sorting this out often […]

The post


Aug 8, 2019

We're no strangers to voicing our concerns about lofty indexed universal life insurance assumptions.  In fact, we were an early voice seeking to temper the returns on IUL as the product began picking up serious steam nearly a decade ago.  Then came the complaints from major life insurers.  Most of those insurers had a...