Brandon Jenkins

This was a message sent to subscribers of my newsletter this month.  I thought it was worth sharing here: I hope you and your family are safe and healthy during these unsettling times. There is a lot of uncertainty surrounding the future of the economy, the stock market, and the way we work and go…

Myth-whole life insurance has a terrible savings rate Here’s another quote found on social media that makes me want to pull my hair out: “…it’s (whole life insurance) got a terrible savings rate…” When I hear this statement, the first question that comes to mind is, “Compared to what?” Never mind the fact that the…

I was mentioned in an online social media post the other day as being an expert in whole life insurance. It was in reference to some comments and questions that a few others had concerning the use of whole life insurance in financial strategy. I was happy to have been recognized and contributed a short…

Q: What is a policy loan? A: A policy loan is a loan from the insurance company. The policyowner’s cash value serves as collateral for the loan. Taking out a policy loan is not the same as withdrawing money from the account. Q: Who can take out a policy loan? A: The policyowner of a…

A friend of mine asked me to review some old, whole life insurance policies he had established a while back. They are dividend paying policies, payable until age 100, with a reputable, fraternal insurance company. Just like other whole life insurance policies, the cash value is guaranteed to grow at a minimum, predetermined rate, and…

Let’s take a look at two different strategies for financing the down payment of a typical buy and hold real estate investment. One strategy uses a policy loan from whole life insurance, the other uses cash from a bank account. Investment opportunity assumptions: ● Single family rental ● Purchase price: $100,000 ● 25% down payment:…

A common question we get, whether it be from a client starting his or her first policy or from someone interested in learning more about dividend paying, high cash-value whole life insurance, is, “What do I do with a policy once I have it?” So that you will get maximum benefit and enjoyment from your…