Life insurance loans, especially from whole life or universal life policies, offer a flexible solution to cash flow fluctuations. The process involves checking the available cash value, determining the loan…
There are many questions about what taxes are payable on life insurance benefits. However, one question we are most frequently asked is whether life insurance payouts are taxable. This topic…
The world of life insurance is constantly evolving, giving rise to new products and strategies. Indexed universal life insurance (IUL) is attracting attention, in part, for its unique approach to…
There are several options available for life insurance. Two popular options are whole life insurance and index-linked universal life insurance. However, there is another option you may have encountered: variable…
A few years ago, we stopped regularly updating various analyses of the insurance industry. This naturally raised questions. What was the reason for our decision to end this practice? Was…
In a recent episode of "The Insurance Pro Blog Podcast," we explored an often-overlooked investment vehicle that could revolutionize retirement planning: closed-end funds. My guest, Steve Selengut, shared his expertise…
Important Things to Know The term "investment-grade life insurance" is a marketing tactic used by insurance agents to sell whole-life insurance policies. While some life insurance policies may be better…
NOTE: This blog post was originally published in 2021. At that time, Ohio National announced its demutualization plans, drastically changing the dividend calculation for life insurance policyholders. Since then, the…
Important Things to Know Dividend options for life insurance policies offer policyholders flexibility and versatility. The four original options are: receiving dividends in cash, using dividends to reduce or pay…
Recent economic events are leading to market volatility and uncertainty, motivating many investors to seek stable alternatives for their financial portfolios. Given the introduction of tariffs and the resulting market…