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BetterWealth with Caleb Guilliams
NEW Dividend Rates of the 5 Major Mutual Companies | 2024 Update
Feb 12, 2024
In this podcast, Dom from The And Asset discusses the dividend rates of major life insurance companies for 2023 - 2024. They analyze why some companies maintain consistent rates while others raise them and speculate on the future impact. The importance of dividend rates in comparing insurance companies is highlighted, along with factors like investment return, risk, and death benefits. The complexities of dividend rates in life insurance policies and factors to consider when projecting growth rates are also explored.
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Quick takeaways
- The dividend rates of major life insurance companies for 2023-2024 have increased, except for Penn Mutual which stayed constant, possibly due to a long-term strategy to hedge against future uncertainty.
- When comparing life insurance companies, dividend rates should not be the sole determinant of performance, as factors like investment returns, death benefit payouts, and acquisition costs also need to be considered. Focusing on internal rate of return provides a more accurate comparison.
Deep dives
The And Asset Show: Introduction to Life Insurance Discussions
The podcast episode introduces the idea of creating a weekly life insurance show to discuss various topics, such as current interest rates, policy shifts by companies, and different concepts and strategies. The hosts aim to create a community of people interested in the life insurance space to tune in. The first episode covers internal rate of return, dividend rates, and different companies. One interesting observation is that all companies, except for Penn Mutual, increased their dividends due to the changing interest rate environment. The hosts speculate that Penn Mutual's decision to stay constant may be a result of playing the long game and hedging against future uncertainty.
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Discover
highlights
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