Indexed universal life insurance has unique features that make it resilient when change becomes necessary. And a lesson all retirees will eventually learn is their plan during retirement will require adjustments. Today I want to highlight the versatility IUL retirement planning brings to a plan specifically focused on how the product accommodates changing needs over ... Keep Reading The post Dynamic Retirement Income Planning with IUL appeared first on The Insurance Pro Blog ..read more

The paid up additions feature of a whole life insurance policy is one of the most powerful components with respect to cash value accumulation.  Most whole life products have a paid up additions (PUA) feature, but they can all work a little differently so it's important to note that one company's approach could vary substantially from ... Keep Reading The post Paid Up Additions: The Magic of Cash Value Life Insurance appeared first on The Insurance Pro Blog ..read more

Key Things to Know The term “investment grade life insurance” is a marketing tactic used by agents to sell whole life insurance policies.  While some whole life policies may be better suited for cash value maximization, there is no official designation for “investment grade” life insurance.  Ultimately, it’s important to understand that “investment grade life ... Keep Reading The post Investment Grade Life Insurance? appeared first on The Insurance Pro Blog ..read more

In a recent episode of The Insurance Pro Blog Podcast, we explored an often-overlooked investment vehicle that could potentially revolutionize retirement income strategies: closed-end funds. My special guest, Steve Selengut, shared his expertise on how these funds can be used to create additional retirement income streams. Let's dive into the key takeaways from this informative ... Keep Reading The post Unlocking Retirement Income: The Power of Closed-End Funds with Steve Selengut appeared first on The Insurance Pro Blog ..read more

A number of years ago, we stopped regularly updating various analyses we performed on the insurance industry. This, of course, brought on questions. What motivated our decision to end this practice? Was there some objective we sought to accomplish by ignoring it? Perhaps the data was no longer supporting our narrative about a strong industry ... Keep Reading The post 2023 Whole Life Company Asset Yield Trend appeared first on The Insurance Pro Blog ..read more

The post More Income with Less Risk-Move Your Money to Whole Life Insurance appeared first on The Insurance Pro Blog ..read more

Building a substantial wealth portfolio involves strategic planning and understanding of various financial instruments. Tax-free wealth strategies are essential to this planning, offering avenues to grow your investments while legally reducing taxes. By employing tactics focusing on tax-exempt securities such as municipal bonds and considering life insurance policies with cash value components, you can enhance ... Keep Reading The post Tax-Free Wealth: Muni Bonds & Life Insurance Strategies appeared first on The Insurance Pro Blog ..read more

With the economic landscape changing dramatically and a “new normal” taking shape in the fixed-interest marketplace, bonds are testing a long-held–but poorly vetted–theory about safety. Ask anyone with a minor interest/proficiency in personal finance about safe assets, and you'll likely hear something about bonds. They are the asset the investment industry offers up as a ... Keep Reading The post Bond Inflows Highlight Annuity Strengths and Speak to Inept Investors appeared first on The Insurance Pro Blog ..read more

When it comes to life insurance, there are several options available for those seeking coverage. Two popular choices are whole life insurance and indexed universal life insurance. However, there is another option that you may have come across: variable universal life insurance. While it may appear appealing due to its flexibility and potential for cash ... Keep Reading The post Variable Universal Life Insurance: A Costly Gamble That Could Leave You Empty Handed appeared first on The Insurance Pro Blog ..read more

The world of life insurance is an ever-evolving landscape, and as a result, new products and strategies continue to emerge. Among them, indexed universal life insurance (IUL) has been garnering attention for its unique approach to cash value accumulation and premium flexibility. In this article, we'll delve into the reasons why IUL is outpacing whole ... Keep Reading The post The Innovation Advantage: Why Indexed Universal Life Insurance is Outpacing Whole Life Insurance appeared first on The Insurance Pro Blog ..read more