In today's fast-paced and unpredictable financial landscape, managing risk and achieving consistent returns is more important than ever. Life insurance companies have emerged as experts in this field, utilizing their vast resources and expertise to create well-diversified investment portfolios that deliver long-term value to policyholders. In this article, we will explore the factors that contribute ... Keep Reading The post How Life Insurance Companies Master Diversification in Asset Management appeared first on The Insurance Pro Blog ..read more

Main Takeaways Yield to maturity (YTM) is a way to determine how much money you can make from a bond if you hold it until it matures. YTM considers the bond's price, coupon rate, and time to maturity. YTM is important for investors because it allows them to compare the true yields of different bonds, ... Keep Reading The post Bond Prices and YTM: How Interest Rates Affect Your Investments appeared first on The Insurance Pro Blog ..read more

While most financial advice is heavily focused on maximizing return while minimizing fees (and this perhaps is one of the reasons so many people fail long term in their financial plan) I'm going to take time today to introduce a concept that is by no means new, but one of those golden little nuggets that ... Keep Reading The post Wealth Building Opportunity appeared first on The Insurance Pro Blog ..read more

We've long argued that many of the scare tactics used to dissuade people from universal life insurance products are very heavy-handed. The “evidence” exists mostly as anecdotes concerning “I know someone who knows someone who” once owned one of those products and bad things happened. For the most part, bad things involve a requirement to contribute additional ... Keep Reading The post How the Fees Destroy Indexed Universal Life Insurance appeared first on The Insurance Pro Blog ..read more

With the Fed's ongoing battle with inflation, we're now seeing interest rates that haven't existed in a few decades. Many of us can't remember a time in our adult lives when the cost of money was so high. Not surprisingly this is forcing some changed behavior when it comes to borrowing money. We started the ... Keep Reading The post Save Money: Borrow from your Whole Life Insurance Policy appeared first on The Insurance Pro Blog ..read more

Whole life insurance can play an important role in your retirement income planning. This statement might go against the grain of advice you see offered by investment salespeople, but I think we've displayed ample examples over the past decade that whole life insurance not only works as a retirement income tool, but it accomplishes the ... Keep Reading The post Get Inflation Beating Retirement Income with Whole Life Insurance appeared first on The Insurance Pro Blog ..read more

Back in July of this year, Forbes published an article that sought to “Sound the Alarm on Indexed Universal Life Insurance.”  Here's the article if you wish to reference it.  The article, like all the others that came before it, makes multiple misstatements and peddles a lot of half-truths about universal life insurance.  We're going ... Keep Reading The post Sounding the Alarm on Sounding the Alarm on Indexed Universal Life Insurance appeared first on The Insurance Pro Blog ..read more

We had a really good run with the stock market over the past 10+ years.  It seemed like the market was on a non-stop race to higher and higher levels.  In fact, many hobbyist investors made unimaginable fortunes by launching blogs and doling out investment advice that largely parroted the long-standing ethos of the now ... Keep Reading The post De-Risk Your Portfolio with Whole Life Insurance appeared first on The Insurance Pro Blog ..read more

When looking at universal life insurance–especially in the context of its ability to accumulate cash value–and comparing it to other life insurance products like whole life insurance, people often note that it appears to have much lower guarantees.  In fact, here's an excerpt from an indexed universal life insurance proposal that highlights said low guarantee:Now, ... Keep Reading The post Why Does Universal Life Insurance Have Such Low Guarantees appeared first on The Insurance Pro Blog ..read more

Life Insurance used to generate retirement income is a slightly more advanced subject within the world of life insurance and financial planning. The stock jockeys hate it, and the life insurance agents love it. No surprise there. But is there something that life insurance brings to the table that is truly special? Or are you ... Keep Reading The post Why Life Insurance Works so well for Retirement Income appeared first on The Insurance Pro Blog ..read more