Caleb-your humility and openness to self-revision truly set you apart in the life insurance space. When many others simply double down on their myopic agendas, you push against the tide with your unique brand of insight, wisdom and balanced perspective. Brandon’s insights are so nuanced and seasoned that it makes it hard for a viewer to not feel like they have been gently nudged out of their comfort zone in their preconceptions. These interviews are truly an asset to our community!
I’ll give this a watch later but I can say off the rip that I believe Brandon is THE smartest person out there when it comes to Life Insurance. He speaks, I listen.
You should try and Interview Mathew Decker with cash value life insurance reviews. One person I look up to when it comes to IUL or any life insurance topic
Per usual a great discussion! I do think he got MPI wrong although in full disclosure I do not do that strategy myself. He said you borrow against one policy to buy future policies. I don’t think that’s the case. I think you max fund a single policy for a couple of years and then in like year 3 or 4 you begin to borrow out of that policy to continue to max fund that SAME policy. It’s kind of like a premium finance play although instead of using a banks money you’re using your own money within the policy to self finance the premium going forward. It’s definitely a highly leveraged and risky play that absolutely relies on consistent positive arbitrage.
Allianz actually publishes their historical crediting rates in their illustrations against all of the IUL policies in force from 3/1/2006 through 12/31/2022 and that rate is 6.59%. That’s a real number across all their policies over a fairly long timeframe. I can email that to you if you want. I’m glad that the new regulations limit illustrations to the low 6’s with crediting rates, but I don’t think that’s an unachievable number and in fact I think it’s quite realistic and conservative.
Caleb-your humility and openness to self-revision truly set you apart in the life insurance space. When many others simply double down on their myopic agendas, you push against the tide with your unique brand of insight, wisdom and balanced perspective.
Brandon’s insights are so nuanced and seasoned that it makes it hard for a viewer to not feel like they have been gently nudged out of their comfort zone in their preconceptions.
These interviews are truly an asset to our community!
What did you all think of the interview? Who wants to see more collaborations with The Insurance Pro Blog?
I really enjoyed this conversation. I think he provides great perspective on both WL and IUL.
I’ll give this a watch later but I can say off the rip that I believe Brandon is THE smartest person out there when it comes to Life Insurance. He speaks, I listen.
Brandon has an incredible wealth of knowledge on life insurance! It was a pleasure having him on the show.
Brandon Roberts knows his stuff! Been following him for many years.
yes he does!
You should try and Interview Mathew Decker with cash value life insurance reviews. One person I look up to when it comes to IUL or any life insurance topic
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Per usual a great discussion! I do think he got MPI wrong although in full disclosure I do not do that strategy myself. He said you borrow against one policy to buy future policies. I don’t think that’s the case. I think you max fund a single policy for a couple of years and then in like year 3 or 4 you begin to borrow out of that policy to continue to max fund that SAME policy. It’s kind of like a premium finance play although instead of using a banks money you’re using your own money within the policy to self finance the premium going forward. It’s definitely a highly leveraged and risky play that absolutely relies on consistent positive arbitrage.
These are discussions I like to hear
“Get your interest back” is not taught by the NNI.
True
I like the honesty in comparison
Allianz actually publishes their historical crediting rates in their illustrations against all of the IUL policies in force from 3/1/2006 through 12/31/2022 and that rate is 6.59%. That’s a real number across all their policies over a fairly long timeframe. I can email that to you if you want. I’m glad that the new regulations limit illustrations to the low 6’s with crediting rates, but I don’t think that’s an unachievable number and in fact I think it’s quite realistic and conservative.
👀👀👀