Insurance Pro Blog Podcast | Life Insurance and Annuity Insights

Whole life insurance companies or life insurance companies that offer whole life insurance comprise a much smaller pool of insurers versus universal life insurance.  However, a lot of these companies have extraordinary capitalization and profitability. Today we're going to detail the whose who among life insurers with whole life insurance products.  We're going to focus […]

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Being an independent life insurance broker sounds like a lot of fun.  You don't work for any specific company.  You have no quotas to worry about.  Instead, you work independently and make unbiased recommendations best suited for your clients.  You also don't have to attend boring sales meetings or attend company picnics. With so many amazing […]

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Northwestern Mutual is a huge mutual life insurance company in the United States.  The company boasts an impressive policyholder count, an extremely large asset pool, and enviable profitability.  These stats alone are a good reason to stand up and take notice of the Quiet Company. With all signs pointing to a well-capitalized and profitable insurance […]

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Life insurance comes with great benefits and a few disadvantages.  For the average person out there looking to gain a better understanding of life insurance, we put together this list of the top three advantages and disadvantages.  We hope that it will help you navigate your own insurance purchase a little better. Top Life Insurance […]

The post Advantages and Disadvantages of Life Insurance appeared first on The Insurance Pro Blog.

The world of personal finance contains no shortage of tips and tricks.  Many seek out slick nuances to highlight some “cool”  idea that promises to  “save you a bundle.”  The life insurance ladder strategy is no exception–big promise with a small advantage. Heralded by some as an often overlooked strategy for saving you thousands on […]

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Single premium life insurance functions just like it sounds.  You pay one single premium and the policy remains in force forever.  In somewhat more technical insurance-speak, it only takes one premium to satisfy the paid-up requirement of the policy. This sounds pretty cool at first glance.  You pay one premium and you can keep your […]

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Whole life insurance guarantees serve as a constant source for discussion about life insurance and other personal finance related matters.  Some might suggest that the whole life insurance guarantees are nothing special.  These guarantees represent a paltry return on your hard earned dollars.  Alternatively, some might suggest that these guarantees represent a rather remarkable offering […]

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When shopping for life insurance, the best strategy is first to understand your objective in buying life insurance and then focus on the products best suited to meet that goal. This statement might sound a bit underwhelming or generic, but it has considerable nuanced implications that I want to spend time building out a bit.  […]

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One of the niftiest features of whole life insurance is the option to make it paid-up at any point in your lifetime.  The reduce paid-up feature for whole life allows you to electively stop paying premiums and guarantee the policy will never lapse so long as you are willing to accept a smaller death benefit […]

The post Paid-Up Universal Life Insurance? appeared first on The Insurance Pro Blog.

How to evaluate life insurance companies is a question that plagues both consumers and industry professionals.  Many companies love to market on ratings or a single financial metric at which they excel. But highly rated life insurance companies are a dime a dozen and what financial attributes truly matter when it comes to crossing life […]

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