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 …

Continue reading “Where’s The Guarantee?”

2018…It was a year that recorded multiple historic highs as well as the largest single-day gain in history. But it turned into a loss for most investors. In fact, according to MarketWatch, 90% of the 70 asset classes cited in the Wall Street Journal posted negative returns for the year.  The previous worst time in …

Continue reading “The Worst Year Since 2008 On Investments”

Ouch!  The market had a hiccup last week giving up nearly all the gains it attained over the summer. Now, maybe you don’t have enough in the market to worry about that hiccup or maybe you have enough invested that you now feel you need to hold on until this market recovers and you regain …

Continue reading “How to Protect Your Gains”

So many ways to invest – so many opinions – where should you start? For most people, investing will start with things they’re already purchasing in their life. What about a home with a mortgage as an investment? Is this a liability or an asset? What about business expansion or business ideas? What about stocks, bonds …

Continue reading “Smart Sensible Investing for the Thinking Person”

We are always getting new material proposed to us by the insurance companies about new products or marketing suggestions. Recently an email came in, from a company we don’t represent, suggesting that permanent life insurance is a great way to sustain your income when the market drops and you find yourself eating away at the …

Continue reading “The Good, the Bad, the Ugly”

Definition of Terms QUICK TIP: You can use your keyboard command (Ctrl + F) on your Windows or (Cmd + F) on a Mac to search this page.  Terms you will find on our website: Your Financial GAME™ (YFG): A trademarked phrase of McFie Insurance, Inc. and Your Wealth Team G = Guaranteed A = …

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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 …

Continue reading “Insurance or Insult?”

Advocating the ability to leverage your life insurance policy for needed cash flow or investment capital has become a common approach for the life insurance industry to promote and sell higher premium life insurance products.  Whether those products be some form of universal life or high cash value whole life, the novelty that you can …

Continue reading “Ironically, You’d Think They Would Know Better”

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 …

Continue reading “The Sordid Tale of Two Sisters”

We live in Henderson, NV which is located just outside of Las Vegas and is ranked #1 on the 2017 list of safest cities to raise a family, partly because of it’s routinely low crime rates. A couple weekends ago a few of us were out riding ATVs in BLM land behind our home. The …

Continue reading “Avoiding Risk”