The Insurance Pro Blog

Life Insurance vs Annuities for Retirement Income-Which Strategy Wins?

Brandon Roberts — Fri, 12 Jun 2026 20:20:33 +0000

Retirement Income Planning June 12, 2026 · Brandon Roberts Life Insurance vs. Annuities for Retirement Income: Which Strategy Wins? If you have money set aside and you are trying to figure out whether a life insurance policy or an annuity is the better way to generate retirement income, the honest answer is that it depends. ...

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Whole Life Insurance Dividends-Easy to Model, Impossible to Predict

Brandon Roberts — Sat, 06 Jun 2026 20:56:20 +0000

Whole Life Insurance June 6, 2026 · Brandon Roberts Whole Life Insurance Dividends: Easy to Model, Impossible to Predict A whole life illustration shows a year-30 internal rate of return near 5 percent. You ask a fair question: what happens if the dividend scale falls? The software answers in seconds. Lower the assumption by 50 ...

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Whole Life Insurance as Portfolio Insurance-Taking Money Off the Table

Brandon Roberts — Sat, 06 Jun 2026 20:35:12 +0000

Case Study May 17, 2026 · Brandon Roberts Whole Life as Portfolio Insurance: A Windfall Case Study A large, unexpected gain changes the planning problem. The question is no longer how to build wealth. It is how to keep what you just earned without giving up the upside that got you here. Whole life insurance ...

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Does Infinite Banking Work? Why It’s a Borrower’s Tool, Not a Saver’s Strategy

Brandon Roberts — Sat, 06 Jun 2026 20:34:52 +0000

Whole Life Insurance Does Infinite Banking Work? Yes, For Borrowers Only March 5, 2026 · Brandon Roberts Infinite banking works. The problem is that it gets pitched to almost everyone, when it only makes sense for a narrow group of people. If you have seen the concept sold as a universal savings hack or a ...

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Bond Vigilantes, Rising Yields, and a Rarely Discussed Feature of Whole Life Insurance

Brandon Roberts — Thu, 28 May 2026 21:02:42 +0000

Whole Life Insurance May 28, 2026 · Brandon Roberts How Rising Interest Rates Are Boosting Whole Life Insurance Dividends Most people are taught that the Federal Reserve sets interest rates. It doesn’t—not the ones that matter most for your whole life policy. The bond market sets those, and lately the bond market has been overruling ...

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Annuity Default Risk: Why Consumers Fear What Almost Never Happens

Brantley Whitley — Sun, 10 May 2026 12:32:27 +0000

Annuities & Retirement Income May 10, 2026 · Brandon Roberts Annuity Default Risk: Why Consumers Fear What Almost Never Happens If you have ever paused on an annuity because you were not sure the insurance company would actually pay, you are in good company. New academic research has put a number on exactly how widespread ...

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Should You Buy a RILA? A Skeptical Analysis of Buffer Annuities, Their Niche Use Cases, and When to Walk Away

Brandon Roberts — Sun, 03 May 2026 21:29:50 +0000

Annuities May 4, 2026 · Brandon Roberts Should You Buy a RILA? A Skeptical Look at Buffer Annuities A note before we begin: RILAs are registered securities, and we do not sell them. We sell fixed annuities — SPIAs, MYGAs, and fixed indexed annuities. This article is educational, not a recommendation for or against any ...

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We Tried to Blow Up an IUL Policy — How Bad Does Your IUL Design Have to Be Before It Actually Fails?

Brandon Roberts — Sun, 26 Apr 2026 16:51:25 +0000

Indexed Universal Life Insurance April 26, 2026 · Brandon Roberts We Tried to Blow Up an IUL Policy — How Bad Does Your IUL Design Have to Be Before It Actually Fails? There is a story that has followed indexed universal life insurance around for decades. It usually starts with a friend of a friend, ...

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Are Whole Life Dividends Finally Rising Again? A 10-Year Analysis of the Top Six Mutual Insurance Companies in 2026

Brandon Roberts — Sat, 18 Apr 2026 14:46:50 +0000

Dividend Analysis April 18, 2026 · Brandon Roberts Are Whole Life Dividends Finally Rising Again? A 10-Year Analysis of the Top Six Mutual Insurance Companies in 2026 For the first time in more than a decade, every major mutual life insurance company we track is moving in the same direction — up. After years of ...

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