The Insurance Pro Blog

We had a really good run with the stock market over the past 10+ years. It seemed like the market was on a nonstop 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-deceased ... Keep Reading

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 valu

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 ..

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

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 facto

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

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

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 Readi