Evaluating Whole Life Insurance as any Good Investment: Life Benefits Christmas Gift for You in 2019

Investment grade life insurance is commonly sold as a solution to avoid the non-diversifiable market risk associated with investing in the market. The problem is that investment grade life insurance is basically a marketing gimmick which should alert every suspicion nerve in your body to its highest level.  Here are the reasons why: Life insurance, …

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Understanding Indexed Universal Life Insurance Values

It is common to see a table of past index performances in an Indexed Universal Life Insurance (IUL) illustration. These performances are always accurate but can be misleading if you don’t comprehend how past performances relate to creating value in an IUL policy. Historical data provides little to nothing in helping you project what the …

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Can You Trust Historical Index Averages?

The craze in insurance sales these days is Index Universal Life Insurance (IUL). And for good reason. The insurance companies that sell the stuff, reduce their risk by passing that risk on to you (Whereas they willingly assume this risk when they issue a Participating Whole Life Insurance Policy (PWLIP) to you). Insurance companies are …

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Where’s The Guarantee?

It’s been twenty-one years since Transamerica Life Insurance Company released and sold their very first Indexed Universal Life Insurance Policy (IUL).  Today there are over 40 insurance companies that have followed suit realizing, that by taking Transamerica’s lead, they can increase their profits (the insurance company’s profits) while assuming less risk.  And while this means …

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Universal Life Insurance is a Risky Purchase… just look at the Market Correction this Month!

In front of me is an Index Universal Life Insurance (IUL) illustration.  A prospect emailed it to us because his agent had promised he could receive $31,000 a year in retirement income annually for the rest of his life if he would pay a total of $183,000 in premium over the next twenty years. Here …

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Insurance or Insult?

Today I spoke with a clinical scientist who wanted a second opinion concerning an Indexed Universal Life (IUL) insurance policy that had been suggested for him as something that would perform better than if he contributed to his employer’s 401k plan.  And with his expressed permission, here is his estimation of the IUL, “This is …

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The Sordid Tale of Two Sisters

There are some really sordid tales about how Indexed Universal Life Insurance (IUL) is compared to Participating Whole Life Insurance (PWLI) as being almost her identical sister, merely because they can develop such high cash values and both have certain guarantees. But the poignant chronicles of those who have owned, and survived owning, an IUL …

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Wealth Beyond Wall Street, Safe Money Millionaire & Indexed Universal Life Policies

The name is catchy—”Wealth Beyond Wall Street.” Most people want to find wealth beyond Wall Street in order to avoid risk while still achieving their financial goals. And nobody willingly turns down financial safety, so everybody is interested in becoming a safe money millionaire.But here’s what’s actually going on with the theory behind Wealth Beyond …

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Bizarre Fads

According to “17 Bizarre Moments From History”[i] this 1923 invention called the “Portable Baby Cage” allowed the modern mother a chance to provide their babies fresh air and sunshine even though she couldn’t get outside. It is reported that future First Lady, Eleanor Roosevelt bought into this fad and purchased a cage for her daughter …

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