Skip to main content
No. of Recommendations: 1
They use two key danger-signal phrases in their marketing....

There are a few other signals you are getting a sales pitch....

Multiple use of the word 'Safety'
Multiple use of the word 'Guarantee'
Use of the phrase 'Protect your life' when it involves life insurance
Use of the highest marginal tax rate when calculating the tax benefit of the product
Applying the highest marginal tax rate on increases in value that are not realized

Keep in mind when discussing or listening to presentation on insurance company products....

- The insurer has no more idea what the future markets will do than anyone else and so must asset allocate, diversify and de-risk just like everybody else
- Insurers have lots of overhead to pay along the way
- Insurance companies are GRAND MASTERS of hiding expenses. No entity does it better than they do

Print the post  


The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.