Bobby Samuelson
#292 | Dispatches from Annuityland – Part 1
In my experience, most folks carry a passport from one of two countries – life insurance or annuities. These passports give the holder access to the unique ecosystem built around the product. Imagine someone with an annuity passport walking into…
#291 | Rethinking IUL Renewal Caps
One of the most common criticisms of Indexed UL is that it’s the ultimate “trust me” product. No other product relies on as many opaque or complex assumptions as Indexed UL for both its real-world and illustrated performance. Like any…
#290 | The Game’s Afoot – PacLife Horizon IUL
This title is borrowed from a line in Star Trek IV: The Undiscovered Country. In the final battle sequence, the Enterprise is rushing to stop an assassin at a secret summit and is met in orbit by a cloaked Klingon…
#289 | The Private Equity Playbook
For two weeks in a row, I’ve put my normal article on ice to write something that specifically addresses articles released by other publications that are, you know, a smidge more prominent and have a slightly larger readership than The…
#288 | Private Placement Goes Mainstream
Over the last couple of weeks, Private Placement Life Insurance (PPLI) has gotten more attention from mainstream media than it ever has before. Bloomberg ran a click-bait article on September 2nd entitled “How Rich Americans Plan to Escape Biden Tax…
#287 | Peak Premium Financing?
Last weekend, I was up in the mountains of North Carolina and happened to run into a guy from Tampa who I knew from overnight camp when I was a kid. I hadn’t seen him since we were both counselors…
#286 | Guardian Reprices Flagship L99 and L95 Whole Life
I’ve had several folks recently tell me offhandedly that they always get a kick out of the pictures that I post to my articles. The fact that this new TLPR website requires stock images was a bone of contention between…
#285 | The Lesson of the Cares Act
To quote the great Yogi Berra, “in theory, there is no difference between practice and theory. In practice, there is.” That’s certainly the case with the Washington Cares Act, a well-intentioned law designed to provide a backstop for the growing…
#284 | Brookfield Buys American National
This article makes a lot of references to financial data about both Brookfield and American National. All of the data comes from public sources, specifically statutory filings and 10-Ks. You can find all of the information at the SEC website…
#283 | The Scourge of Conversion-Only Products
I’ve argued before that a guaranteed conversion privilege is the most mathematically valuable part of a Term insurance policy – yes, even more so than the death benefit coverage itself. The chance that you’re going to die while being covered…
