The financial crisis of 2008 was over nearly five years ago but recent research shows us that investors are still having a really hard time finding the balance between performance and safety. Today we have a barrage of statistics showing us that investors are still not quite sure they should be back in the stock market […]

The post 109 The Financial Crisis is Not a Distant Memory appeared first on The Insurance Pro Blog.

There's so much bad advice that gets passed around the life insurance industry that sometimes it's hard to point out the real stinkers. But today, we're zeroing in on the misguided direction that some self-appointed life insurance gurus have been spewing into the world over the last few years. What's the bad advice? Well it actually […]

The post 108 Life Insurance and the Kids appeared first on The Insurance Pro Blog.

There is certainly no shortage of self-appointed financial “experts” making the rounds in the financial media–television, print and on ye olde interwebs. But we think something everyone should consider before relying on the advice of these gurus. Of course the product that which we've chosen to build our practice around is cash value life insurance.  In […]

The post 107 Ignorant Advice is Always Bad Advice appeared first on The Insurance Pro Blog.

For all of the joking around we do in this episode, we actually like disability insurance a lot.  What we're a bit annoyed with is the fact that there are a great many agents, insurance marketers and insurance companies that love to talk about the underserved disability insurance market. Now, they base that on the […]

The post 106 Why Don’t We Talk More About Disability Insurance? appeared first on The Insurance Pro Blog.

Since the inception of universal life insurance in the late 1970’s, the whole life world has felt threatened and rightfully so. Universal life insurance boasted a myriad of benefits that improved upon many of the drawbacks that long plagued whole life insurance. And the one argument the whole life insurance champions have long leaned on […]

The post 105 Universal Life Insurance Guarantees: There’s More to this Story appeared first on The Insurance Pro Blog.

Today we're going to talk about regulation. Now, we're never in favor of MORE regulation…let's be clear on that. But, we do think that the life insurance industry needs to do a better job of policing itself. If we don't, regulators will intervene and that won't be pretty for anyone. It's a bit of an […]

The post 104 Suitability? What Suitability? appeared first on The Insurance Pro Blog.

Holding onto a life insurance policy because you want to recapture the premium you’ve paid into the policy is playing exactly to the insurance company’s hand.  The reason they love to have so little cash surrender value in early years, is related to the thin margins they pull from a life insurance policy at this […]

The post 103 It’ll Only Hurt for a Second appeared first on The Insurance Pro Blog.

What's the problem with binoculars?  They perform a great duty in that they make things that are off in the distance become very clear to us. The problem is that they isolate your perspective so much that you often miss what's right in front of you.  What's that got to do with anything you ask? […]

The post 102 Trust Me…Just Focus on the Future appeared first on The Insurance Pro Blog.

Having tax free retirement income eliminates a large degree of risk from your life. We’ve probably all seen the historical tax rate chart that show us the ebbs and flows of income tax rates over time. If you could put yourself in a position where you are not subject to the whims of these tax rate […]

The post 101 The Immeasurable Benefits of a Tax Free Retirement appeared first on The Insurance Pro Blog.

It’s always a bit disturbing when there is a headline that makes such a bold and definitive statement. Just makes me cringe. However, in this case I can honestly say that the title of this procast episode is not done to be sensational in any way. No—it’s spot on. Exactly how we feel about variable […]

The post 100 Why We Hate Variable Universal Life Insurance appeared first on The Insurance Pro Blog.