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Where Insurance Gets De-Mystified
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Retirement Strategy March 28, 2026 · Brandon Roberts Do You Need Tax-Free Retirement Income? If you've spent any time around the insurance industry, you've heard the pitch: tax rates are at historic lows, government spending is out of control, and rates have nowhere to go but up. The conclusion is always the same — you ...
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The post Do You Need Tax-Free Retirement Income? appeared first on The Insurance Pro Blog.
Cash Value Life Insurance March 10, 2026 · Brandon Roberts Should You Borrow Against Your Life Insurance? An Honest Look at When It Makes Sense You own a cash value life insurance policy. Maybe you've had it for ten years, maybe twenty. The cash value has been growing steadily — and now you're looking at ...
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The post Should You Borrow Against Your Life Insurance? When It Makes Sense appeared first on The Insurance Pro Blog.
Cash Value Life Insurance March 5, 2026 · Brandon Roberts Whole Life Insurance for Building Wealth: An Honest Look at Who It Works For The people who benefit most from whole life insurance already have money. That's not what social media tells you, but it's what decades of working with real clients confirms. If you've ...
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The post Whole Life Insurance for Building Wealth: An Honest Look at Who It Works For appeared first on The Insurance Pro Blog.
A volatility controlled index is essentially an algorithmic strategy that seeks to minimize investment losses by automatically reallocating between risky assets (stocks) and low-risk assets (cash or bonds) based on volatility measurements and predetermined benchmarks. As the podcast hosts explain, “a volatility controlled index is an index that seeks to control volatility” by gradually shifting ...
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The post Volatility Controlled Indices: The Evolution of Indexed Universal Life Insurance appeared first on The Insurance Pro Blog.
When exploring cash value life insurance as part of your retirement strategy, you'll likely encounter the term “Modified Endowment Contract” or MEC. While often viewed as something to avoid, MECs aren't necessarily bad—they're simply different, with unique tax characteristics that may actually benefit certain financial situations. This comprehensive guide will help you understand what MECs ...
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The post Understanding Modified Endowment Contracts: A Comprehensive Guide for Retirement Planning appeared first on The Insurance Pro Blog.
Rethinking Retirement: Why “Just Take More Risk” Might Be Bad Advice Let's talk about something that's been bugging me lately. If you've ever sat down with a financial advisor after realizing you're behind on retirement savings, you've probably heard some version of these three pieces of advice: “You need to save more money” “You might ...
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The post Why Annuities Make Sense: A Deep Dive into Retirement Portfolio Protection appeared first on The Insurance Pro Blog.
Retirement income March 4, 2026 · Brandon Roberts Retirement Income Planning: Why Your Account Balance Isn't the Number That Matters The financial services industry has spent decades training people to focus on a single number: how much do I have? Retirement calculators ask it. Advisors build plans around it. The entire conversation gravitates toward an ...
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The post Retirement Income Planning: Why Your Account Balance Isn’t the Number That Matters appeared first on The Insurance Pro Blog.
Recent economic events are causing market volatility and uncertainty motivating many investors to seek stable alternatives for their financial portfolios. With the implementation of tariffs and the resulting market fluctuations, many are asking whether whole life insurance and other cash value insurance products can serve as effective hedges against economic instability. The short answer is ...
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The post Is Whole Life Insurance an Effective Hedge Against Economic Tariffs? appeared first on The Insurance Pro Blog.
The post Please Don’t Compare Whole Life Dividends to Universal Life Interest appeared first on The Insurance Pro Blog.
Life insurance loans, particularly from whole or universal life policies, offer a flexible solution for cash flow fluctuations. The process involves checking available cash value, determining the loan amount, requesting the loan, and repaying it without a fixed schedule or penalties. Interest rates vary by policy and insurer, and loan terms are generally straightforward. Key ...
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The post The Life Insurance Loan Process: A Step-by-Step Guide appeared first on The Insurance Pro Blog.
Indexed universal life insurance has unique features that make it resilient when change becomes necessary. And a lesson all retirees will eventually learn is their plan during retirement will require adjustments. Today I want to highlight the versatility IUL retirement planning brings to a plan specifically focused on how the product accommodates changing needs over ...
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The post Dynamic Retirement Income Planning with IUL appeared first on The Insurance Pro Blog.
NOTE: We originally published this blog post in 2021. At that time, Ohio National Announced it plans to demutualize and dramatically changed its dividend calculation for whole life insurance policy holders. Since then, the newly acquired company changed its name to AuguStar Life. The policyholder whose policy we used in this analysis decided to cancel ...
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The post Ohio National Whole Life Policy Historical Performance appeared first on The Insurance Pro Blog.
Key Things to Know 10 Pay Whole Life Insurance is a policy that guarantees a death benefit after 10 years of premium payments, making it a cost-effective option for those prioritizing a guaranteed death benefit. While it offers a lower total cost for a guaranteed death benefit compared to longer-term policies, it may not be ...
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The post Is 10 Pay Whole Life Insurance Any Good? appeared first on The Insurance Pro Blog.
In a recent episode of The Insurance Pro Blog Podcast, we explored an often-overlooked investment vehicle that could potentially revolutionize retirement income strategies: closed-end funds. My special guest, Steve Selengut, shared his expertise on how these funds can be used to create additional retirement income streams. Let's dive into the key takeaways from this informative ...
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The post Unlocking Retirement Income: The Power of Closed-End Funds with Steve Selengut appeared first on The Insurance Pro Blog.
A number of years ago, we stopped regularly updating various analyses we performed on the insurance industry. This, of course, brought on questions. What motivated our decision to end this practice? Was there some objective we sought to accomplish by ignoring it? Perhaps the data was no longer supporting our narrative about a strong industry ...
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The post 2023 Whole Life Company Asset Yield Trend appeared first on The Insurance Pro Blog.
We had a really good run with the stock market over the past 10+ years. It seemed like the market was on a nonstop race to higher and higher levels. In fact, many hobbyist investors made unimaginable fortunes by launching blogs and doling out investment advice that largely parroted the long-standing ethos of the now-deceased ...
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The post De-Risk Your Portfolio with Whole Life Insurance appeared first on The Insurance Pro Blog.
Building a substantial wealth portfolio involves strategic planning and understanding of various financial instruments. Tax-free wealth strategies are essential to this planning, offering avenues to grow your investments while legally reducing taxes. By employing tactics focusing on tax-exempt securities such as municipal bonds and considering life insurance policies with cash value components, you can enhance ...
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The post Tax-Free Wealth: Muni Bonds & Life Insurance Strategies appeared first on The Insurance Pro Blog.
With the economic landscape changing dramatically and a “new normal” taking shape in the fixed-interest marketplace, bonds are testing a long-held–but poorly vetted–theory about safety. Ask anyone with a minor interest/proficiency in personal finance about safe assets, and you'll likely hear something about bonds. They are the asset the investment industry offers up as a ...
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The post Bond Inflows Highlight Annuity Strengths and Speak to Inept Investors appeared first on The Insurance Pro Blog.
The world of life insurance is an ever-evolving landscape, and as a result, new products and strategies continue to emerge. Among them, indexed universal life insurance (IUL) has been garnering attention for its unique approach to cash value accumulation and premium flexibility. In this article, we'll delve into the reasons why IUL is outpacing whole ...
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The post The Innovation Advantage: Why Indexed Universal Life Insurance is Outpacing Whole Life Insurance appeared first on The Insurance Pro Blog.
In today's fast-paced and unpredictable financial landscape, managing risk and achieving consistent returns is more important than ever. Life insurance companies have emerged as experts in this field, utilizing their vast resources and expertise to create well-diversified investment portfolios that deliver long-term value to policyholders. In this article, we will explore the factors that contribute ...
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The post How Life Insurance Companies Master Diversification in Asset Management appeared first on The Insurance Pro Blog.
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