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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

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