Sales Process

Why Integration of Life Insurance into Portfolio Theory is Problematic

Introduction In recent times there has been an almost complete unanimity in the popular media (financial newspapers and financial TV channels), that the purchase of a life insurance policy is compatible with financial investment theory. Comparisons are made between the IRR on life insurance products with that of other financial products and we are told… Continue reading Why Integration of Life Insurance into Portfolio Theory is Problematic

Finance for Life Insurance · Sales Process

Traditional Endowment vs. Term Insurance

Many agents are faced with a serious issue while selling life insurance. The younger customers tend to think that it is better to buy term insurance instead of traditional endowment insurance. The popular feeling is that traditional endowment insurance is low return and therefore not worth it. Instead with the same money if one buys… Continue reading Traditional Endowment vs. Term Insurance

Retirement Planning · Sales Process

The emotions in annuity choices

Retirement Planning – The Mantra for Business Today Retirement planning is one of the hottest selling concepts in life insurance. The COVID pandemic has only made it bigger. Retirement planning will remain as the biggest segment in life insurance sales for many decades. (Also read my other articles in this Blog on retirement planning. Click… Continue reading The emotions in annuity choices