The purpose of this article is to discuss a common interest rate arbitrage mistake that newbies make. Both newbie policy owners (and agents!) tend to get excited when they realize that the expected growth rate on the cash value of an index universal life is higher than the policy loan rate. This can lead to some dangerous financial decisions.
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The goal of this post is to show that the insurance company does not keep the cash value in a life insurance policy when you die.
It can be hard to understand how an insurance company can make loans at rates lower than they are earning. This session shows how it's possible.
In this article, I am going to debunk one of the most pervasive myths regarding Indexed Universal Life (IUL). The myth is that the rising cost of mortality is going to cause an IUL to lapse. Understand that as an independent life insurance agent, my goal is simply to make […]
In this post we’ll be analyzing a showdown: LIRP vs Annuities for retirement income. I’ll be comparing the income from a Life Insurance Retirement Plan to the income from an Annuity. This is important because most people don’t think of Life Insurance when it comes to retirement income planning. Goal […]
In this post I want to show you how you can save an old and lapsing Universal Life policy. This is important because many of us may know someone who purchased a UL back in the late 1980s
The goal of this post is to simply answer the question: "How soon can I access the cash value of the policy?"
The goal of this post is to show you how you can both save for retirement and eliminate credit card debt at the same time by putting your money to work in two places at one time.
The goal of this post is to show you when it makes sense to own a policy in your own name and when you should own it in an ILIT.
The goal of this post is to explain why you should not compare illustrations based on the illustrated crediting rates used by the insurer.