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Hosted by Unknown Host · 🇺🇸 US · EN · 100 episodes
Established thought leaders with verified media credentials.
Each week, we break down how cash value life insurance and fixed annuities actually work — with real numbers, real policy data, and honest analysis. Whether you're exploring whole life insurance, considering a MYGA or fixed indexed annuity, or building a retirement income plan, we explain what matters and what doesn't. No hype, no sales pitch — just clear thinking about products most people find confusing. Published by TheInsuranceProBlog.com, the web's most comprehensive independent resource on cash value life insurance since 2011
Unknown Host hosts Insurance Pro Blog Podcast | Life Insurance and Annuity Insights, a business show with 100 episodes published.
Heading into 2026, the federal estate tax exemption was scheduled to sunset and roughly cut in half. A lot of life insurance marketing was built around that deadline: set up an irrevocable life insurance trust (ILIT) and
Most people think of life insurance as something that protects a plan they've already built. We'd argue it does something stranger and a lot more useful — it creates wealth on its own terms, and it starts doing the job o
Northwestern Mutual just announced a record $9.2 billion dividend payout for 2026 — about a billion more than last year, and the largest three-year increase in the company's history. MassMutual is paying a record $2.9 bi
Universal life insurance is the product everybody loves to dunk on. The vanishing-premium horror stories, the lawsuits, the agent who swore the premium would disappear and then mailed you a letter twenty years later sayi
If you earn $400,000 or more, much of the standard financial advice you encounter was written for someone with a very different set of circumstances. You can max the 401(k), buy index funds, and hold a 60/40 portfolio an
If you've ever wondered whether life insurance or an annuity is the better tool for generating retirement income, the honest answer is that it depends — and figuring out which variables matter most is the work that gets
If a whole life illustration shows a year-30 internal rate of return near 5 percent, you might wonder what happens if the dividend scale falls. Lowering the dividend assumption by 50 basis points is easy to model. The ha
Infinite banking gets pitched to almost everyone, but it only works for a narrow group of people. The concept isn't about how much you earn or how disciplined you are at saving. It comes down to whether you borrow money
Most people assume the Fed controls interest rates. The bond market has a different opinion — and over the past several years, it's been winning. Understanding why that matters could change how you think about the whole
When a big win lands in your lap — a stock that ran further than you expected, a property sale, a business exit, an inheritance — the planning problem changes. The challenge is no longer how to build wealth. It becomes h
If you've ever hesitated on an annuity because you weren't sure the insurance company would actually pay, you're not alone. Recent academic research found that consumers expect to receive only about 82 cents on the dolla
A note before we begin: RILAs are registered securities, and we don't sell them. We sell fixed annuities — SPIAs, MYGAs, and fixed indexed annuities. This conversation is educational, not a recommendation for or against
There's a persistent claim that indexed universal life insurance is doomed to fail because rising costs of insurance will eventually eat the policy alive. The story usually goes something like this: someone bought a univ
After years of declining dividend rates during the low-interest-rate era, every major mutual life insurance company in our latest analysis is trending upward. This is the first update to our flagship whole life dividend
In 2022, the Bloomberg U.S. Aggregate Bond Index lost over 13%. Stocks and bonds fell at the same time, and the core promise of the 60/40 portfolio — that bonds protect you when equities drop — broke down completely. If
At just 3% average inflation, a retiree's dollar loses 45% of its value in 20 years and 59% in 30 years. If you're relying on a fixed income in retirement, that math is working against you every single year. The good new
Most people saving for retirement have almost everything in one tax bucket — 401(k)s, traditional IRAs, and other qualified accounts where every dollar withdrawn comes with a tax bill. That's not a disaster, but it's inf
The life insurance retirement plan — or LIRP — sounds like a special financial product with its own set of rules. It's not. It's a marketing term for something much simpler: an overfunded cash value life insurance policy
"Annuities are too complicated" is one of the most common objections in retirement planning. But that statement treats every annuity as if it's the same product, and they're not even close. This episode walks through eac
Indexed universal life insurance should outperform whole life insurance over the long run — that's the expectation. But how far do cap rates, participation rates, and spreads need to fall before that advantage disappears
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Insurance Pro Blog Podcast | Life Insurance and Annuity Insights is hosted by Unknown Host. The show is categorised under business (investing) and has published 100 episodes.
Insurance Pro Blog Podcast | Life Insurance and Annuity Insights has published 100 episodes.
Insurance Pro Blog Podcast | Life Insurance and Annuity Insights regularly covers business, investing. It sits in the business category, with a investing focus.
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Episodes of Insurance Pro Blog Podcast | Life Insurance and Annuity Insights average 34 minutes. a focused format where a clear narrative arc and tight preparation matter most.
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