Insurance Pro Blog Podcast | Life Insurance and Annuity Insights

By Brandon Roberts & Brantley Whitley | Life Insurance ExpertsBusiness Investing

Insurance Pro Blog Podcast | Life Insurance and Annuity Insights episodes

February 21, 2019 Overfunded Life Insurance
Overfunded life insurance, what on earth is that? I hear you cry out. Perhaps you ran across the concept mentioned briefly somewhere on the internet. Or maybe someone suggested that you buy an overfunded life insurance policy. If you're trying to discern the notion of overfunded life insurance, we'll break it down for you and […]

The post Overfunded Life Insurance appeared first on The Insurance Pro Blog.
28 min
February 14, 2019 Life Insurance Commission: A Great Evil According to the Internet
Few subjects related to life insurance cause more hot-tempered debate than life insurance commission. Some believe it's an evil incentive that encourages agents to push “expensive” products like whole life insurance to land a huge payday. Others look at it simply as the payment mechanism rewarded to agents for the hard work involved with marketing […]

The post Life Insurance Commission: A Great Evil According to the Internet appeared first on The Insurance Pro Blog.
37 min
January 31, 2019 Cutting Whole Life Insurance Expenses Means Cutting Whole Life Insurance Guarantees
In most interactions with prospective clients who are interested in exploring a whole life policy, there's often a conversation that arises about life insurance guarantees. Given that most of the general personal finance writing out there nearly always presents whole life insurance as a heavy on guarantees it's not a big surprise. We've written plenty […]

The post Cutting Whole Life Insurance Expenses Means Cutting Whole Life Insurance Guarantees appeared first on The Insurance Pro Blog.
27 min
January 24, 2019 Reducing Whole Life Insurance Dividends When Running Illustrations
For years, insurance agents, companies, and purchasers have looked at hypothetical ledgers that delineate future policy values in an attempt to articulate policy functionality and understand how one policy's features come together and work compared to another. Additionally, aggressive selling of policy projections overstated by extraordinary economic circumstances from the 1980s resulted in the industries […]
31 min
January 17, 2019 IPB 136: Leaving One Life Insurance Company for Another
No one wants to quit or be forced to change the primary life insurance company that they are writing business with. Unfortunately, there are times when it is unavoidable…either because the company has changed a key product or because a company decided they don't want to accept new business from you anymore. We've experienced both […]
39 min
January 10, 2019 IPB 135: The Ohio National Variable Annuity Episode
Ohio National officially closed its VA biz and cut trail commissions (fees?) owed to B/D’s and brokers on December 13th, 2018 for any VA sold with a guaranteed minimum income benefit. We don’t know exactly how many VA’s this is but assume that it’s a large block of outstanding business sold within the last decade […]
36 min
January 03, 2019 IPB 134: Holistic Financial Planning is Poised to Win Big
To kick off the new year, we are raising the white flag. We have to concede a position we've long held because consumer sentiment appears to overwhelmingly head in the opposite direction. For years, we've lampooned the notion of the “holistic” financial planner. Simply, the notion that one person or small firm encompasses the entire […]
32 min
December 20, 2018 Why don’t more Financial Advisors Sell Life Insurance?
The holiday season now firmly has its grip around many of us and since we opted not to produce an end of the year podcast that answered questions we receive from various readers and listeners, I figured I’d entertain a question that came up recently that has been asked probably twice before in emails sent […]
32 min
December 13, 2018 Questions About Dividends, Direct Recognition, and IRA Liquidation to Fund Whole Life Insurance
The post Questions About Dividends, Direct Recognition, and IRA Liquidation to Fund Whole Life Insurance appeared first on The Insurance Pro Blog.
37 min
December 06, 2018 Whole Life Insurance Rates: What’s the Cost of Waiting to Buy?
You are never going to pay less for whole life insurance than the amount you will pay this year. Whole life insurance rates become dramatically more expensive (actual dollar cost and the cost of lost opportunity) but all of this will become much more clear in the next few paragraphs. You really don't need an […]
29 min

About Insurance Pro Blog Podcast | Life Insurance and Annuity Insights

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Each week, we break down how cash value life insurance and fixed annuities actually work — with real numbers, real policy data, and honest analysis. Whether you're exploring whole life insurance,…