In this post I’m going to be discussing the concept of “Buy Term and Invest the Difference“. If you’ve been researching permanent Life Insurance you’ve likely found people who advocate for this approach. Financial pundits like Susie Orman and Dave Ramsey often tell their listeners to avoid buying permanent life […]
It’s 2023. Inflation is high. Interest rates are high. And surprisingly, demand for housing is still high. Deals are e scarce, and the uncertainty of the market is leaving some investors on the sidelines, waiting for the perfect investment opportunity. The pressing question is, “What do I do with my […]
Are you curious about the seemingly paradoxical concept of your life insurance cash value growing while you have an outstanding policy loan? In this post we'll unravel the mystery and shed light on why your policy's cash value can continue to earn dividends or interest crediting while you have a policy loan.
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.
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 […]