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The Case for Guaranteed Retirement Income • The Insurance Pro Blog

Do Annuities Keep Up With Inflation? • The Insurance Pro Blog

Strategy Two: Laddering Annuities for Rising Income The second strategy involves purchasing more than one annuity with the intention of starting income from each at different times. This is commonly referred to as annuity laddering, and it’s a more flexible — though more involved — way to build a rising income stream in retirement. Here’s […]
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The Case for Guaranteed Retirement Income • The Insurance Pro Blog

Nonforfeiture Options of Whole Life Insurance • The Insurance Pro Blog

Whole life insurance offers three nonforfeiture options that ensure policy owners receive value from their policies should they cancel them prior to death.  The exact value of the nonforfeiture benefit depends on the length of time that the policy owner paid premiums–more premiums paid means more nonforfeiture benefit. These benefits stem from laws originating in […]
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The Case for Guaranteed Retirement Income • The Insurance Pro Blog

LIRP-Smart Strategy or Sales Pitch? • The Insurance Pro Blog

Product Selection Whole Life vs. IUL vs. VUL The three product types most commonly used in a LIRP strategy each carry a distinct risk and return profile. The decision should come down to the risk tolerance of the individual — though in practice, it often comes down to which product the agent prefers to sell. […]
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The Case for Guaranteed Retirement Income • The Insurance Pro Blog

Are Annuities Really That Complicated? • The Insurance Pro Blog

The Middle of the Complexity Spectrum Fixed Indexed Annuities: Where Nuance Starts to Matter Fixed indexed annuities, or FIAs, are where the complexity meter begins to climb. The core idea is still manageable: your interest is tied to the performance of a market index — the S&P 500 being the most common — but your […]
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The Case for Guaranteed Retirement Income • The Insurance Pro Blog

An Honest Look at Who It Works For • The Insurance Pro Blog

Long-Term Success What Makes Whole Life Insurance Work Over Time The people who get the most value from whole life insurance share a set of behavioral traits that matter just as much as their financial profile. They’re patient Evaluating a whole life policy after one, two, or even three years will consistently lead to disappointment. […]
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The Case for Guaranteed Retirement Income • The Insurance Pro Blog

The Case for Guaranteed Retirement Income • The Insurance Pro Blog

None of this means everyone should rush out and annuitize half their retirement savings. Individual circumstances vary. Your health, your other income sources, your legacy goals, and your comfort level all factor into whether a single premium immediate annuity makes sense — and if so, how much to allocate. But the default assumption is worth […]
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The Evolution of Indexed Universal Life Insurance • The Insurance Pro Blog

Podcast: Play in new window | Download A volatility controlled index is essentially an algorithmic strategy that seeks to minimize investment losses by automatically reallocating between risky assets (stocks) and low-risk assets (cash or bonds) based on volatility measurements and predetermined benchmarks. As the podcast hosts explain, “a volatility controlled index is an index that […]
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