The Source for Unrivaled Expertise, Integrity, and Truly Exceptional Life Insurance Policies, Analysis, Service and Value. Avoid Getting Scammed, Abused, Fooled or Hoodwinked by a Smooth-talking, Seemingly-helpful, Huckster agent.

Learn about life insurance

New Perspectives on Age-Old Controversies (published in Journal of Insurance Regulation)

New Perspectives on Age-Old Controversies About Buying Whole Life
or Term and Investing the Difference


Inadequate information and flawed explanations play a key role in the continuation of the controversy regarding when term or cash-value life insurance provides the superior value and the reasons or sources of the advantage. Using straightforward equations, this article’s analysis brings clarity to the subject. This new financial modeling approach to examine these alternative products could foster a transforming understanding of the different types of life insurance. This understanding then provides a perspective for assessing current life insurance marketing practices. In highlighting the many and far-reaching consequences of existing information shortcomings, this article offers fertile implications for life insurance marketing, purchasing, and regulation in the future. It concludes with a call for improved policy disclosure.


Call Breadwinners' Ins

Breadwinners' Insurance
Brian Fechtel, CFA, Agent


2975 Westchester Avenue, Suite 410
Purchase, New York. 10577

Additional Office
1 Chatsworth Avenue #47
Larchmont, NY 10538
Phone: (914) 457-0110
Fax: (815) 346-2516

Copyright © 2013. All Rights Reserved.