Indexed Universal Life Insurance Problems: Five Worries and the Evidence Behind Them
If you've spent any time reading about indexed universal life insurance online, you already know the greatest hits. The insurance company wi...
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The Insurance Pro Blog Podcast
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Listen to The Insurance Pro Blog Podcast, a Business podcast by The Insurance Pro Blog. Stream 114 episodes in English, follow new audio stories, and play episodes online on Radio and Podcast.
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20 of 114 episodesPrivate Placement Life Insurance-Why IUL Beats the PPLI Pitch
There's a version of the life insurance conversation that comes with a velvet rope. Someone from the private client side of a bank or adviso...
Estate Tax Exemption 2026-Who Actually Needs Life Insurance Now
Heading into 2026, the federal estate tax exemption was scheduled to sunset and roughly cut in half. A lot of life insurance marketing was b...
Using Life Insurance to Build Wealth-The Death Benefit Advantage
Most people think of life insurance as something that protects a plan they've already built. We'd argue it does something stranger and a lot...
Inside the General Account-How Life Insurers Are Building Your Whole Life Dividend in 2026
Northwestern Mutual just announced a record $9.2 billion dividend payout for 2026 — about a billion more than last year, and the largest thr...
Universal Life Insurance was Built with Rational Exuberance
Universal life insurance is the product everybody loves to dunk on. The vanishing-premium horror stories, the lawsuits, the agent who swore...
Financial Planning for High Earners-The Stability Lane Most People Skip
If you earn $400,000 or more, much of the standard financial advice you encounter was written for someone with a very different set of circu...
Life Insurance vs Annuities for Retirement Income-Which Strategy Wins?
If you've ever wondered whether life insurance or an annuity is the better tool for generating retirement income, the honest answer is that...
Whole Life Insurance Dividends-Easy to Model, Impossible to Predict
If a whole life illustration shows a year-30 internal rate of return near 5 percent, you might wonder what happens if the dividend scale fal...
Does Infinite Banking Work? Why It's a Borrower's Tool, Not a Saver's Strategy
Infinite banking gets pitched to almost everyone, but it only works for a narrow group of people. The concept isn't about how much you earn...
Bond Vigilantes, Rising Yields, and a Rarely Discussed Feature of Whole Life Insurance.
Most people assume the Fed controls interest rates. The bond market has a different opinion — and over the past several years, it's been win...
Whole Life Insurance as Portfolio Insurance-Taking Money Off the Table
When a big win lands in your lap — a stock that ran further than you expected, a property sale, a business exit, an inheritance — the planni...
Annuity Default Risk-Why Consumers Fear What Almost Never Happens
If you've ever hesitated on an annuity because you weren't sure the insurance company would actually pay, you're not alone. Recent academic...
Should You Buy a RILA? A Skeptical Analysis of Buffer Annuities, Their Niche Use Cases, and When to Walk Away
A note before we begin : RILAs are registered securities, and we don't sell them. We sell fixed annuities — SPIAs, MYGAs, and fixed indexed...
We Tried to Blow Up an IUL Policy — How Bad Does Your IUL Design Have to Be Before It Actually Fails?
There's a persistent claim that indexed universal life insurance is doomed to fail because rising costs of insurance will eventually eat the...
Are Whole Life Dividends Finally Rising Again? A 10-Year Analysis of the Top Six Mutual Insurance Companies in 2026
After years of declining dividend rates during the low-interest-rate era, every major mutual life insurance company in our latest analysis i...
Whole Life Insurance vs Bonds-The Surprising Bond Alternative for Retirement
In 2022, the Bloomberg U.S. Aggregate Bond Index lost over 13%. Stocks and bonds fell at the same time, and the core promise of the 60/40 po...
Do Annuities Keep Up With Inflation? How to Build Inflation Protection Into Your Retirement Income Plan
At just 3% average inflation, a retiree's dollar loses 45% of its value in 20 years and 59% in 30 years. If you're relying on a fixed income...
Why High-Income Earners Need a Tax-Free Retirement Income Strategy (and How Life Insurance Delivers It)
Most people saving for retirement have almost everything in one tax bucket — 401(k)s, traditional IRAs, and other qualified accounts where e...
What Is a Life Insurance Retirement Plan (LIRP) and Is It Worth It for High-Income Earners?
The life insurance retirement plan — or LIRP — sounds like a special financial product with its own set of rules. It's not. It's a marketing...