A repository of all my commentary emails, and the date originally sent.
The Dumb Tax 10/31/23
Respect and Admiration 10/24/23
Warren Buffett Quotes 10/17/23
Integrity (Redux) 10/10/23
Past Decisions 10/03/23
Paying For It (Redux) 09/26/23
Time 09/19/23
Life Insurance Basics 09/12/23
Life Insurance Awareness Month, Part 2 09/05/23
Group Term Life Insurance 08/15/23
Compound Interest 08/01/23
Plans, Part 2 07/25/23
Decisions, Part 3 07/11/23
Fake News 06/27/23
Risks In Retirement 06/20/23
When is the Best Time to Buy Life Insurance 05/02/23
Quotations 03/21/23
Control 03/14/23
The Cost Of Life Insurance 02/28/23
Plans 02/21/23
Distractions 02/07/23
Procrastination, Part 4 01/24/23
Reading, Part 9 12/20/22
Giving Thanks (Redux) 11/22/22
Should Everyone Have Life Insurance? 10/18/22
Whole Life Insurance 09/27/22
Stoicism and Life Insurance 09/13/22
LIAM 09/06/22
Health 02/14/22
Reading, Part 8 12/14/21
Podcasts 12/07/21
Getting Better 11/30/21
Giving Thanks (Encore) 11/23/21
How Much Life Insurance Should I Buy? (Redux) 09/28/21
When Is The Best Time To Buy Life Insurance? (Redux) 09/21/21
When Is Life Insurance Appropriate? (Redux) 09/14/21
What Is Life Insurance? (Redux) 09/07/21
Human Behavior 05/25/21
Update 04/27/21
Pain vs Discomfort 04/13/21
Truth (Redux) 03/23/21
The American Rescue Plan Act 03/16/21
The Life Insurance Landscape In 2021 03/09/21
Problems (Redux) 03/02/21
Courage 02/23/21
That's Good Enough 02/16/20
Paying for It (Redux) 02/09/21
Life Insurance In a Low Interest Rate Environment 02/02/21
IRC Section 7702 01/26/21
Narrative vs Truth 01/19/21
Covid and Life insurance 01/12/21
New Year's Resolutions, Part 6 01/05/21
Reading, Part 7 12/15/20
2020 12/08/20
Starting Right 12/01/20
Giving Thanks (Again) 11/24/20
Life Insurance In Retirement, Part 3 11/17/20
Statistics and Probability 11/10/20
Time 10/27/20
Internal Rate of Return 10/20/20
Gradually, Then Suddenly 10/13/20
Life Insurance and Gambling (Redux) 10/06/20
Actuaries, Life Insurance, and Referrals 09/29/20
Life Insurance Awareness Month 09/22/20
1968 09/15/20
Life Insurance and Social Security 09/08/20
I'll Think About It 09/01/20
The Cost of Waiting 08/25/20
Luck 08/18/20
Self Obedience 08/11/20
Whole Life vs. Term 08/04/20
Intergenerational Planning, Part 2 07/28/20
Intergenerational Planning 07/21/20
Daring Greatly (Redux) 07/14/20
Love 07/07/20
A Great Idea 06/30/20
Important Things 06/23/20
The Two Types of Life Insurance 06/16/20
Estate Equalization Using Life Insurance 06/09/20
Policy Check-Up 06/02/20
Procrastination, Part 3 (Redux) 05/26/20
The Consequences of Poor Decisions 05/19/20
Life Insurance in Retirement, Part 2 05/12/20
Perspective, Part 4 05/05/20
Murder Most Foul 04/28/20
Life Insurance and Liquidity 04/21/20
Perspective, Part 3 04/14/20
Perspective, Part 2 04/07/20
CARES Act 03/31/20
Mitigating Risk 03/24/20
Risk 03/17/20
IRAs 03/10/20
Confirmation Bias (Redux) 03/03/20
Life Insurance Lessons 02/25/20
Future Earning Potential, Part 2 02/18/20
Future Earning Potential 02/11/20
Freedm 02/04/20
Laziness (Redux) 01/28/20
Retirement Risks 01/21/20
Want vs. Need 01/14/20
New Year's Resolutions, Part 5 01/07/20
Reading, Part 6 12/17/19
Hybrid Policies, Part 2 12/10/19
The Value of the Conversion Privilege, Part 2 12/03/19
Help Yourself First 11/26/19
Procrastination, Part 4 11/19/19
The Value of the Conversion Privilege 11/12/19
Surrendering a Whole Life Policy 11/05/19
Annuity Primer 10/29/19
Buying Life Insurance When Young 10/23/19
Financial Planning 10/15/19
Allowance Alternative 10/08/19
Why People Don't Buy 09/24/19
Motivation (Redux) 09/17/19
What Is the Bigger Problem? 09/10/19
Transferring Assets 09/03/19
Backdating 08/27/19
Determining the Amount 08/20/19
Life Insurance In Retirement 08/13/19
A Tale of Two Clients 08/06/19
What Is a Life Insurance Policy, Part 3 07/30/19
Civility 07/23/19
Positive Illusions (Redux) 07/16/19
The Brain and Biases (Redux) 07/09/19
Performance Reviews 07/02/19
Real Life 06/25/19
It's Complicated! 06/18/19
Media Bias or Ignorance 06/11/19
Roth IRA vs. Whole Life 06/04/19
Do I Need Life Insurance, Part 2 05/28/19
Financial Concerns 05/21/19
Quotes On Life Insurance (Redux) 05/14/19
Service 05/07/19
Regrets, Part 2 04/30/19
Mistakes, Part 2 04/23/19
Need? 04/09/19
The Paradox of Choice (Redux) 04/02/19
Life Insurance As an Investment? 03/26/19
Thoughts About Life Insurance, Part 2 03/19/19
What Are Opinions (Redux) 03/12/19
Controlling What We Can 03/05/19
Integrity 02/26/19
Reflection 02/19/19
Perspective 02/12/19
Thoughts About Life Insurance 02/05/19
Intelligence is Overrated 01/29/19
Short Term vs Long Term 01/22/19
Will I Need Life Insurance in Retirement? 01/15/19
New Year's Resolutions, Part 4 01/08/19
Reading, Part 5 12/18/18
The Need for Policy Reviews 12/11/18
Facts About Life Insurance 12/04/18
What vs. How 11/27/18
Giving Thanks (Redux) 11/20/18
Amor Fati 11/13/18
Options 11/06/18
I Don't Believe in Life Insurance 10/30/18
Health and Finances 10/23/18
The Case for Policy Reviews 10/16/18
Worse Than Death? 10/09/18
Price versus Cost 10/02/18
Life Insurance for a Non-Working Spouse (Redux) 09/25/18
The Versatility of Life Insurance, Part 2 09/18/18
Getting It Together 09/11/18
Group Term Life Insurance 08/28/18
Should Have (Redux) 08/21/18
The Law of Unequal Distribution 08/14/18
Life Insurance as an Executive Perquisite (Redux) 08/07/18
Motivators 07/31/18
Beliefs (Redux) 07/24/18
The Other Guy Syndrome 07/17/18
Paid-Up Life Insurance 07/10/18
Conversion 07/03/18
Fear (Redux) 06/26/18
Should I Accept a Rated Policy? 06/19/18
Financial Behavior 06/12/18
Self Discipline 06/05/18
A Missed Opportunity 05/22/18
Critics 05/15/18
Discomfort (Redux) 05/08/18
I Can Do Better 05/01/18
Would It Help? 04/24/18
Getting Your Affairs In Order 04/10/18
The Set of the Sail 04/03/18
Memento Mori (Redux) 03/27/18
What Is a Life Insurance Policy, Part 2 03/20/18
What Is a Life Insurance Policy 03/13/18
Questions, Part 2 02/20/18
The Logic of Life Insurance, Part 2 02/13/18
Occam's Razor 02/06/18
What Is a Policy Illustration (Redux) 01/30/18
Self Help (Redux) 01/23/18
New Year's Resolutions, Part 3 01/09/18
Reading, Part 4 12/19/17
Real Estate vs. Life Insurance 12/12/17
Determining an Appropriate Amount 12/05/17
Regrets 11/28/17
Giving Thanks 11/21/17
Who Are Candidates for Life Insurance? 11/14/17
Do I Need Life Insurance? 11/07/17
Long Term Care 10/31/17
Comments I Hear 10/24/17
Urgency 10/17/17
Myths 10/10/17
Fundamentals Part 2 10/03/17
Lying 09/26/17
The 10 Biggest Mistakes (Redux) 09/19/17
Reflections on 9/11 09/12/17
Accounting for Life Insurance 09/05/17
Life Insurance and the Single Parent 08/29/17
Meaning (Redux) 08/22/17
What is the Best Life Insurance You Can Buy? 08/15/17
Problems 08/08/17
Truth 08/01/17
Fundamentals 07/25/17
I Should Have Bought More 07/18/17
Who Buys Life Insurance? 06/27/17
Sheer Stupidity 06/20/17
Does Anyone Actually Need Life Insurance? 06/13/17
Providing Value 06/06/17
Ringing the Bell, Redux 05/30/17
The History of Life Insurance 05/23/17
Life Insurance and Gambling 05/16/17
Flexibility 05/09/17
Are Life Insurance Premiums Expenses? 05/02/17
Focus, Part 2 04/25/17
Excuses 04/18/17
What Happens When I Die? 04/11/17
Gratitude 04/04/17
Liquidity 03/28/17
You Need More Life Insurance . . . 03/21/17
Expected Utility Theory 03/14/17
Randomness and Probability 03/07/17
The Truth About Success 02/28/17
Making It Easy 02/21/17
Life Hacks 02/14/17
Paying for It 02/07/17
Objectives 01/31/17
Procrastination, Part 3 01/24/17
Confirmation Bias 01/17/17
The Endowment Effect 01/10/17
Why Are People Reluctant to Buy Life Insurance? 01/03/17
Reading, Part 3 12/13/16
Risky Business 12/06/16
Financial Success 11/29/16
Life Settlements 11/22/16
Happy Anniversary to Me 11/15/16
How Much Is Enough? 11/08/16
An Innovative Use of Life Insurance 11/01/16
Communication (Redux) 10/25/16
Stock vs. Mutual Life Insurance Companies 10/11/16
Life Insurance and Estate Taxes 10/04/16
Laws and Life Insurance 09/27/16
Low Interest Rates and Life Insurance 09/20/16
No Need, Part 2 09/13/16
Life Insurance as a Perquisite 09/06/16
Will Life Insurance Premiums Increase? 08/30/16
Understanding Life Insurance Underwriting 08/23/16
Talk vs. Action 08/16/16
Headlines 08/09/16
The Perfect Plan 08/02/16
Laziness 07/26/16
Problems In Determining the Amount 07/19/16
No Need 07/12/16
Decisions, Part 2 07/05/16
National Insurance Awareness Day 06/28/16
Pension Options, Part 2 06/21/16
Hybrid Policies 06/14/16
Insurability 06/07/16
What If Life Insurance Didn't Exist 05/31/16
How to Buy 05/24/16
When to Buy 05/17/16
A Tale of Three Policies 05/10/16
Why Cash Value Life Insurance Exists 05/03/16
The Three Guarantees 04/26/16
Emotion vs Logic 04/19/16
Ambiguous Life Insurance Terms (Redux) 04/12/16
A Very Versatile Product 04/05/16
Behavioral Economics 03/29/16
The Uninsured Problem 03/22/16
The Paradox of Choice 03/15/16
Costs 03/08/16
Life Insurance and SPIAs, Part 2 03/01/16
A Rose By Any Other Name, Part 2 02/23/16
How Often Should I Review My Life Insurance? 02/16/16
Self-Improvement 02/09/16
Group Life Insurance 02/02/16
What Are Opinions? 01/26/16
Sold, Not Bought 01/19/16
Go Fund Yourself 01/12/16
New Year Resolutions, Part 2 01/05/16
Books, Part 2 12/15/15
Will I Really Need Life Insurance When I'm Older 12/08/15
What Are the Odds of Me Dying? Redux 12/01/15
Misery 11/24/15
Fear, Part 2 11/17/15
Quantifying Risk 11/10/15
Improving 11/03/15
Daring Greatly 10/27/15
Social Security 10/20/15
Uncertainty 10/13/15
Policy Lapses 10/06/15
Misperception 09/29/15
Aging 09/22/15
What Is a QLAC? 09/15/15
Policy Reviews 09/08/15
Understanding Policy Premiums Redux 09/01/15
Focus 08/25/15
Helping Our (Grand) Children 08/18/15
Complacency 08/11/15
Questions 08/04/15
What's New With Life Insurance, Part II 07/28/15
Procrastination, Part II 07/21/15
Mistakes (Redux) 07/14/15
Why You May Want Life Insurance On the Day You Die 07/07/15
Life Insurance and SPIAs 06/30/15
Quotes On Life Insurance 06/23/15
Differentiation 06/16/15
What's New With Life Insurance? 06/09/15
Cognitive Dissonance 06/02/15
Success, Part 2 05/26/15
Life Insurance and the Moderately Wealthy 05/19/15
Life Insurance and Divorce 05/12/15
New Jersey Estate Taxes 05/05/15
Beliefs 04/28/15
Happiness 04/21/15
When Is The Best Time To Buy Life Insurance? 04/14/15
Positive Illusions 04/07/15
I Don't Know 3/31/15
Should Have 03/24/15
Think Time 03/17/15
Meaning 03/10/15
More (Than You Probably Care) About Term 03/03/15
Perception vs Reality 02/24/15
Financial Underwriting 02/17/15
Term and Invest the Difference, Part 2 02/10/15
Term and Invest the Difference 02/03/15
Paid Up Additional Insurance 01/27/15
The Least Understood Financial Instrument 01/20/15
Wants vs Needs 01/13/15
New Year Resolutions 01/06/15
Books 12/16/14
The Stages of Life (Insurance) 12/09/14
Value 12/02/14
Happy Thanksgiving! 11/25/14
Consistency 11/19/14
America's Underinsured Problem 11/11/14
Annuities 11/04/14
Success 10/28/14
Communication 10/21/14
Is Life Insurance Guaranteed? 10/14/14
Fear 10/07/14
Association Life Insurance 09/30/14
Insuring Value 09/23/14
Planning 09/16/14
Foresight 09/09/14
Estate Equalization Using Life Insurance, Part I 09/02/14
Ringing the Bell 08/26/14
The Logic of Life Insurance 08/19/14
Delayed Gratification 08/12/14
10 Things Life Insurance Agents Won't Tell You 08/05/14
Are Your Dreams Insured? 07/29/14
How to Evaluate a Life Insurance Policy 07/22/14
Memento Mori 07/15/14
The Brain and Biases 07/08/14
Life Insurance for the Elderly 07/01/14
Commodities 06/24/14
Choosing Beneficiaries 06/17/14
The New Normal 06/10/14
Motivation 06/03/14
Sounding the Alarm 05/28/14
Common Life Insurance Myths 05/21/14
Understanding Policy Premiums 05/14/14
What is Cash Value Life Insurance? 05/07/14
Life Insurance Quiz 04/30/14
Self Help 04/22/14
The 10 Biggest Mistakes ... Buying Life Insurance 04/15/14
Another Look At Life Insurance On Children 04/08/14
A Rose By Any Other Name 04/01/14
Self-Limiting Behavior 03/25/14
Discomfort 03/18/14
How to Save Money On Life Insurance Premiums 03/11/14
Annuity vs Whole Life 03/04/14
Irrationality 02/25/14
The Economics of the Waiver of Premium Rider 02/18/14
The Disadvantages of Term Insurance 02/11/14
The Advantages of Term Insurance 02/04/14
Ambiguous Life Insurance Terms 01/28/14
Responsibility 01/21/14
What Is a
ยง1035 Exchange? 01/14/14
Change 01/07/14
Life Insurance as a Non-Correlated Asset 12/17/13
Decisions 12/10/13
More on the Term Whole Life Debate 12/03/13
Procrastination 11/26/13
What Is Variable Life Insurance? 11/19/13
What Is Indexed Universal Insurance? 11/12/13
Feeling Good About Ourselves 11/05/13
Term Insurance and Life Expectancy 10/29/13
Why Do People Hate Life Insurance? 10/22/13
Mistakes 10/15/13
Long Term Care Riders 10/08/13
Random Thoughts On Life and Life Insurance 09/30/13
Is Life Insurance On Children a Good Idea? 09/23/13
Divorce and Life Insurance 09/17/13
Life Insurance On a Non-Working Spouse 09/10/13
Is Life Insurance an Investment? 09/03/13
What Is an Impaired Risk? 08/27/13
Should I Own My Life Insurance Policy? 08/20/13
The Case For Buying Life Insurance While Young 08/13/13
What Is a Modified Endowment Contract? 08/06/13
What Does the Underwriting Process Entail? 07/30/13
Are My Affairs In Order? 07/23/13
Life Insurance As an Executive Perquisite 07/16/13
What Are Policy Dividends? 07/09/13
What Is A Policy Illustration? 07/02/13
Business Uses of Life Insurance 06/25/13
What About Riders? 06/18/13
Pension Options 06/11/13
What Is Survivorship Life Insurance? 06/04/13
How Is Life Insurance Priced? 05/28/13
Tax Aspects of Policy Loans 05/21/13
Is It a Good Idea To Borrow On My Life Insurance Policy? 05/14/13
What Are Nonforfeiture Provisions? 05/07/13
Will My Policy Lapse If I Don't Pay the Premium? 04/30/13
What About My Life Insurance Through My Employer? 04/23/13
Can I Borrow On My Life Insurance Policy? 04/16/13
Should I Replace My Insurance Policy? Part 04/09/13
Should I Replace My Insurance Policy? 04/02/13
How Often Should I Review My Life Insurance Program? 03/26/13
What Should I Look For In a Life Insurance Company? 03/19/13
What Is a Rated Policy? 03/12/13
Estate Equalization Using Life Insurance 03/05/13
Are Life Insurance Proceeds Tax Free? 02/26/13
Will I Really Need Life Insurance When I'm Older? 02/19/13
LIMRA Quiz 02/12/13
What Is Universal Life? 02/05/13
Is Whole Life Insurance a Rip-Off? 01/29/13
Is Term Insurance A Commodity? 01/22/13
What Are The Odds Of Me Dying? 01/15/13
How Much Does Life Insurance Cost? 01/08/13
Which Type Of Life Insurance Is Right For Me? 01/02/13
Why Are There Different Types Of Life Insurance? 12/18/12
How Much Life Insurance Should I BuyPart2 12/11/12
How Much Life Insurance Should I Buy? 12/04/12
When Is The Best Time To Buy Life Insurance? 11/27/12
When Is Life Insurance Appropriate? 11/20/12
What Is Life Insurance? 11/13/12