Whole Life Insurance Distributions, the “Whole” Story

Life insurance agents love to fight over meaningless figures in an attempt to inflate the importance or attractiveness of their products.  Truth is, current facts and figures aren’t going to matter all that much.  I’ve mentioned before that design is super crucial, and I’ve also hinted at the notion that there are core attributes that make some products better than other.  There isn’t really a blanket list of features regarding these attributes, so a little consulting with a knowledgeable agent is prudent.  To highlight my point, however, I’m going to dive into the topic of policy distributions.  This will become part of many posts discussing different features and why they matter.  Throughout all this, you’ll begin to understand why it’s difficult to recommend one carrier as better than all the others, as they can be varied in where they are strong (i.e. one size–or carrier–does not fit all).

Cash Value Life Insurance as an Asset Class

I’ve been meaning to do this for a long time now.  And this discussion will stem several additional posts to address how placing cash value life insurance in your personal portfolio can significantly improve your financial situation, by leaving numerous options on the table that most people forfeit because they pick up and hold onto really bad financial advice.  Approach the following with an open mind, and be prepared to have your outlook on personal finance changed forever.