Bull markets bring opportunities to grow your wealth - if you have the right strategy. Tune in as we explore how you can leverage your Indexed Universal Life (IUL) insurance policy to optimize returns when indexes climb. Learn how IULs provide upside potential paired with downside protection - a powerful combination in up markets. We'll discuss techniques to time premium payments, maximize participation rates, and utilize cap rates. You'll discover how to align your policy with bullish trends through dollar-cost averaging, asset allocation, and more. Hear real-world examples that demonstrate the performance potential of IULs in extended bull runs. We'll showcase how policyholders just like you accumulated gains, accelerated portfolio growth, and built wealth over time. Join us as we provide actionable tips so you can make the most of market uptrends. You'll leave ready to capitalize on bullish periods and achieve your financial goals with strategic IUL positioning. The markets move in cycles, so be prepared to ride the bull when opportunity strikes! __________________________________ If you've been curious as to how an indexed universal life policy (IUL) could work for you, please click here to contact us, we can help you. 

In this episode, we unveil the myths and marketing machinations surrounding Whole Life Insurance. Dive into an eye-opening discussion where we demystify the often touted ‘guaranteed benefits’ of Whole Life Insurance, exposing the gray areas around dividend interest rates and the nominal guarantees that often mislead individuals into expecting unrealistic outcomes. We share heartrending stories of policyholders who, years down the line, find their policies falling short of the promises made by overzealous agents. Our mission is simple – to provide clear, unbiased advice on life insurance, tailored to your unique financial landscape, whether it leans towards Whole Life or Indexed Universal Life Insurance. Join us as we debunk the unchecked superiority of Whole Life Insurance, fostering a well-informed insurance community, one episode at a time. Through engaging narratives and expert insights, we aim to prevent future disillusionment and ensure that your insurance choices are rooted in fact, not fiction. ____________________ If you'd like to purchase a cash value life insurance policy that's based in reality and that stands a chance of avoiding disillustionment down the road, you should really click right here to reach out to us. 

Discover the nuanced world of Infinite Banking in this episode titled "Rethinking Infinite Banking: The Interest Rate Conundrum." We'll unravel the basics of this concept, using a dividend-paying whole life insurance policy to shape your personal banking system. It’s a financial journey that holds promise, yet there's a snag we can’t ignore - the interest rate conundrum. In a friendly exchange, we’ll dissect the impact of fluctuating interest rates on the Infinite Banking concept. In today’s unpredictable economic climate, understanding the symbiosis between interest rates and your personal bank is imperative. It’s about making the concept work, even when the economic skies seem a bit cloudy. But wait, there’s more to the narrative. It’s not just about identifying the problem but seeking solutions. We’ll traverse the potential pathways to navigate around the interest rate hurdles. There might just be alternative strategies awaiting your discovery, strategies that keep the essence of Infinite Banking alive, even amidst the rumbles of varying interest rates. Join us as we don a new lens to examine Infinite Banking, shedding light on the interest rate puzzle that often leaves many perplexed. This episode is more than a critique; it's about equipping you with the knowledge to continue your financial voyage with a steadier helm. Your adventure into rethinking Infinite Banking amid the bewildering world of interest rates starts right here. ___________________________ If you have questions or comments about your life insurance policy or the one you are considering, please reach out to us by clicking the link right here. 

Whole life insurance policies offer policyholders the potential for dividends, but these dividends are not rising as quickly as some may expect. In this week's episode, we break down the details of whole life dividends to understand why the growth has been slower than anticipated.  We'll cover: - What are dividends in the context of whole life insurance and how do they work?  - Why have whole life dividends not kept pace with other investments?  - How should whole life illustrations be analyzed?  - What are the tradeoffs between participating and guaranteed whole life regarding premiums, death benefit, and cash value? Weighing the pros and cons. - Are there ways policyholders can maximize dividends? Strategies like overfunding policies or dividend option choices. - How do dividends factor into using whole life in financial planning? Assessing if dividends meet original expectations. Join us for an in-depth look at whole life dividends - how they work, why they may disappoint, and how to make the most of them. This is an important topic for any whole life policyholder or prospective buyer. __________________________ Don't miss out on learning the details behind slower whole life dividend growth. Tune in to find out if whole life still makes sense for your financial plan.  Click right here to contact us for a discussion of your whole life policy and dividend strategy.    

Dive into the exciting world of Whole Life Insurance in this episode, uncovering the keys to solid financial planning. Discover the basics of whole life insurance, from the lifetime coverage it offers to the cash value that accumulates over time, setting the stage for financial security and smart estate planning. As you listen, you'll journey through the advantages whole life insurance brings to the table, including potential tax benefits that could be a game changer for your financial future. This episode is your treasure map to understanding how whole life insurance can be a cornerstone in building a secure financial fortress. Things get even more interesting when we unveil an easy-to-use calculator that helps break down policy costs and benefits. It allows you to see how different factors affect the results, offering a clear view of how whole life insurance can fit into your financial dreams. Venture further into the realm of payment plan options, exploring both traditional and limited payment plans, and learn clever ways to use policy dividends to ease premium costs. This segment is a treasure trove for those keen on aligning insurance with long-term financial goals, shedding light on the importance of personalized financial advice. This episode is not just about learning; it's about empowering you to make informed decisions that can shape a secure financial landscape for your future. _______________________________ If you'd like to explore what a whole life insurance policy might look like for your specific situation, please contact us here and let us know what you're thinking. We'd love to help.

Is market volatility making you uneasy about your indexed universal life (IUL) policy? Don’t stress. Tune in as we explore how IULs can harness market ups and downs to protect your money.   You’ll discover how the annual reset feature locks in gains from index growth each year. Learn how this prevents losses from accumulating when markets decline. Understand how IULs can recover faster than direct stock investments after downturns. Hear real-world examples of how annual reset stabilizes growth in choppy markets. Learn how IULs avoid the compounding losses that torpedo long-term returns. See how quick recovery after downturns enables solid performance over time. Do you think IUL crediting methods like participation rates limit your upside? Think again. Annual reset optimizes gains in volatile markets. Listen now to learn how to leverage IUL features to your advantage when markets get manic.  Arm yourself with the knowledge to evaluate IULs based on their performance across market cycles, not just bull runs. Discover how to choose policies with the strongest annual reset, floor, and volatility control features. Make the right choice to protect your nest egg in all markets. ___________________ We believe an indexed universal life (IUL) policy could be a game-changer for your finances. Let's connect to explore if it's the right solution for you. We'll explain the benefits and tailor options to match your goals. Our priority is finding the optimal product for your unique situation. Contact us - you deserve to know if an IUL policy is a winning play for protecting your future.

Discover the potential tax benefits of whole life insurance in this informative episode. We'll explain how whole life offers tax-deferred growth on the cash value and tax-free loans and withdrawals under certain conditions. You’ll learn how to use whole life to cover estate taxes or equalize inheritances as part of your estate plan.  We compare whole life to other tax-advantaged accounts like IRAs and 401(k)s. You’ll hear about recent tax law changes and how to factor those into your whole life insurance decisions. Real-life case studies demonstrate how business owners and farmers have successfully used whole life insurance for buy-sell agreements and to reduce estate taxes.  This episode will help you understand both the pros and cons of using whole life insurance for tax planning. We discuss the costs and fees associated with policies and how cash value growth compares to investments. You’ll learn key factors to consider based on your personal financial situation and risk tolerance. By the end, you'll better understand whether whole life insurance should be part of your overall tax strategy. _____________________ Unsure if whole life insurance fits into your financial plan? Our team of experts can provide clarity. We'll analyze your specific situation to determine if a whole life policy could maximize your tax savings in retirement or transfer wealth efficiently. Whether you're considering purchasing a new policy or reviewing an existing one, we're here to answer all your questions. Please click this link to schedule a free consultation. During our meeting, we'll review your goals, explain whole life benefits and limitations, and guide you in making the smartest decision.

You’re nearing retirement or already retired. With all the financial changes in your life, it can be overwhelming to keep up with new laws and regulations that affect your retirement planning.  In this episode, we’ll break down how recent updates to retirement laws called the SECURE Act 2.0 make annuities an even more powerful tool for you to leverage in your retirement strategy.  Annuities allow you to convert a lump sum of money into a guaranteed stream of income for life. The SECURE Act 2.0 builds on previous laws to make annuities more readily available and flexible. For example, the law now allows 401(k) plans to offer annuities as an investment option more easily. It also increases the amount you can allocate to certain deferred annuities from $125,000 to $200,000. Critically, the SECURE Act 2.0 provides more flexibility in how annuities are treated for required minimum distributions. This gives you more control over your cash flow in retirement.  Annuities can provide certainty amid the risks we all face in retirement - like outliving savings or market volatility. With these updates, annuities are now an even more powerful tool for your retirement plan. We’ll break down these changes in detail and what they mean for your specific situation. Tune in to learn how to use the SECURE Act 2.0 to maximize your retirement income. _____________________ When you're ready to explore annuity options and discover how they may benefit your particular situation, please click here to contact us.

Have you ever wondered about the true value of financial advisors and how their commission-based structures can be more beneficial than you might think? Dive in with us as we unpack the role of commission-based financial advice in empowering Middle America. Discover why you might want to consider this approach when it comes to managing your wealth. In today's episode, we break down the basics: what are commissions, how do they compare to fee-based models, and why are they particularly suited for Middle America? Understand how, contrary to popular belief, commissions can foster transparency, align advisors' goals with yours, and open up access to vital financial advice for those who might not have extensive assets. You'll learn about the safeguards in place and how to navigate potential pitfalls. By the end of this episode, you'll see how this model can democratize financial advice, making it more accessible and affordable for the heartland of America. So, whether you're currently working with an advisor, considering doing so, or just curious about the financial landscape, this episode has valuable insights tailor-made for you. Dive in and reshape your understanding of the financial advising world. ___________________________ If you'd like to work with us and are not interested in paying ongoing fees (that may not be worth it) but would like to trust our unbiased and honest thoughts, please click here to contact us. 

You've heard the debates, read the articles, and perhaps even sat through sales pitches about Indexed Universal Life Insurance. But what does real-world experience tell us about its true value? In this episode, we dive deep into the firsthand accounts of policyholders, financial experts, and those who've faced life's unpredictable twists and turns with an IUL policy in their back pocket. You'll discover the tangible benefits, the unexpected drawbacks, and the often-overlooked nuances that can make all the difference. Whether you're considering purchasing a policy or just curious about its real-world implications, this episode offers a no-nonsense, experience-driven perspective on Indexed Universal Life Insurance. Tune in, and let's demystify the world of IUL together. ____________________________ Considering indexed universal life insurance for your financial plan? Talk to us. We've successfully guided hundreds nationwide in choosing and managing the perfect IUL for their needs. Click here to connect with us.

Today, we're diving deep into the world of whole life insurance, specifically focusing on the Direct Recognition (DR) and Non-Direct Recognition (NDR) policies. Ever wondered how volatile interest rates can impact your insurance policy? We'll break down why DR policies are showing resilience in these uncertain times, while NDR policies might be leaving some policyholders scratching their heads. You've probably heard about the challenges with NDR's spread and its impact on projections. We'll unpack why these projections might be less reliable than you think. Plus, we'll explore the real-world consequences of rising interest rates on both DR and NDR policies. Are you considering borrowing against your policy or have you already? We'll discuss why the cost of borrowing might be on the rise and what it means for you. And for those of you familiar with Indexed Universal Life (IUL), we've got a treat. We'll draw an ironic parallel between IUL and whole life policies, shedding light on some past criticisms and regulatory gaps. So, whether you're a policyholder, considering whole life insurance, or just curious about the financial landscape, this episode is for you. Tune in and get the insights you need to navigate the whole life dividend maze. __________________________ If you own a policy that's not quite performing the way you expected or are considering the purchase of a new whole life or indexed universal life policy, we've got you covered. Please click here to get in touch with us and find out your best options. 

Dive into the world of retirement planning as we unravel the combined power of annuities and life insurance. Ever wondered how to ensure a steady income stream during your golden years while also leaving a legacy for your loved ones? This episode is for you! Discover the basics of annuities, from immediate to deferred, and understand their unique benefits like tax-deferred growth and protection against outliving your savings. Then, journey with us into the realm of life insurance, exploring its various types and the unmatched advantages it offers, from death benefit protection to tax perks. But the magic truly happens when we combine these two. Experience the synergy of annuities and life insurance as we delve into their role in diversifying your financial portfolio, offering tax benefits, and ensuring legacy planning. Through real-life scenarios, witness the strength of these products in action, whether you're a retiree aiming for guaranteed income, a couple maximizing retirement benefits, or someone with health concerns seeking long-term financial coverage. Bust common myths like "Annuities are too expensive" or "I'm too young for life insurance" and grasp the flexibility these products offer. And as you chart your retirement journey, remember the golden rules: consult a financial advisor, start early, and review regularly. So, are you ready to craft a comprehensive retirement plan? Tune in, learn, and let's build a secure future together. And hey, if you find value in our episode, don't forget to share it with your circle and drop us your thoughts for future topics! _______________________________ If you'd like to setup a secure retirement income for yourself and your family, please click here to reach out. We'd love to help.

Today, we dive deep into a topic many overlook: the unexpected tax implications widows face after the loss of a spouse. Imagine navigating the emotional turmoil of losing a partner, only to be met with a surprising tax hike. Why does this happen? And how can you, or someone you know, prepare for it? We'll break down the IRS's so-called "death penalty" and explain why a surviving spouse might see their taxes increase even if their income decreases. From understanding the 2023 federal tax brackets to exploring real-life scenarios, we'll guide you through the complexities of this taxing transition. Plus, we'll discuss potential solutions like Roth conversions and cash value life insurance that can offer financial relief. Whether you're planning for the future or helping someone navigate their present, this episode provides essential insights to empower you in these challenging financial waters. Tune in and arm yourself with the knowledge to face these taxing transitions head-on. _________________________ If you'd like to take a complete look at your future plans for retirement or if you'd like to consider a course correction, please click right here to get in touch with us. We'd love to help!

Think Roth IRA conversions are the golden ticket to retirement planning? Think again. In this episode, we dive deep into the world of Roth conversions, shedding light on both their advantages and the often-overlooked drawbacks. While they can be a powerful tool for many, they're not the one-size-fits-all solution they're often made out to be. We'll guide you through the nuances, helping you understand when a Roth conversion makes sense and when it might not be in your best interest. Whether you're navigating tax brackets, planning for future income, or just trying to make the best decision for your unique situation, we've got insights tailored for you. Join us as we demystify Roth conversions and empower you to make informed choices for your financial future. ___________________________ If you're planning for your retirement and would like to weigh the value of a Roth conversion, click right here to have us help you make the right call.

Ever wondered why certain companies champion whole life insurance while others lean heavily towards universal life? Dive into this enlightening episode of the Insurance Pro Blog Podcast as we unravel the mysteries behind these two popular life insurance products. You'll discover the unique benefits and drawbacks of each, the historical context that shaped their evolution, and the strategic reasons companies might choose one over the other. By the end, you'll have a clearer understanding of which policy might be right for you and why companies are so passionate about their preferred choice.  _______________________ As you'll often hear us say, we're agnostic to the solution: whole life insurance is great and so is indexed universal life insurance. We offer our clients either of the two and let them decide what they think is best for their situation. Sometimes one is the clear winner; other times there's a bit more nuance. Either way, we're here to help you make the best decision. Please reach out to us by using our contact form, just click right here. 

We're diving headfirst into the world of Qualifying Longevity Annuity Contracts (QLACs). As you navigate the complex landscape of retirement planning, understanding QLACs can be your secret weapon to secure a comfortable and worry-free retirement. We'll start by breaking down what QLACs are and how they work. You'll learn about their unique ability to provide a steady income stream in your later years, helping you manage the risk of outliving your savings. We'll explain how QLACs are purchased within a retirement account and how payments are deferred until an advanced age, up to 85. Next, we'll delve into the recent changes to QLACs under the Secure Act 2.0. You'll discover how the Act has made QLACs more attractive within defined contribution plans by providing more lenient rules. We'll discuss the elimination of the 25% limit on premiums paid for a QLAC and the increase in the dollar amount to $200,000. We'll also touch on the changes to survivor benefits, particularly in relation to special needs trusts. You'll understand how the Secure Act 2.0 allows a special needs trust to provide for a charitable organization as the remainder beneficiary without causing the loss of the special rules. Whether you're a seasoned investor or just starting your retirement planning journey, this episode will equip you with the knowledge you need to make informed decisions about QLACs. So tune in, and let's break the QLAC code together.

Are you considering taking your hard-earned 401k savings and pouring it into a life insurance policy? In this enlightening episode, we dive deep into the pros and cons of using your 401k funds to pay for life insurance premiums. Navigate the complex waters of retirement plans and life insurance with us as we break down tax implications, potential penalties, and the inherent risks involved. We uncover the nuances of this decision, examining how your individual financial situation, age, health status, retirement goals, and risk tolerance come into play. Are a life insurance policy's stability and potential benefits worth the potential costs and penalties of dipping into your retirement fund early? This is not your ordinary financial advice show – it's a comprehensive exploration designed to arm you with the information you need to make an informed decision about your financial future. While we offer detailed insights and scenarios, remember this is a starting point for your financial discussions and not a substitute for professional financial or tax advice.  ______________________ If you're thinking about converting some of your retirement funds into a life insurance policy or adding permanent life insurance to your retirement income plan, please click here to get in touch with us; we can help.

Today we're shaking up the safe haven and taking a fresh look at bonds and, more specifically, bond funds. We're tackling some burning questions that have been simmering in the financial landscape. You've probably always heard bonds are your best friends during economic turmoil, right? But are they really as safe as they seem?  We're going on a deep dive into recent bond fund data and revealing some astonishing results. Have you ever wondered why Fidelity seems to be the star player, bagging nine of the top ten bond fund slots? We have some ideas that may just turn your understanding on its head. If it feels like you've been thrown into a financial maze blindfolded, you're not alone. Many investors are investing in funds that aren't just underperforming, they're sinking. The big question is: how can you do better? Let's discuss the elephant in the room: the complicated dance between bonds and interest rate policy. You know, the thing that most people don't want to touch with a ten-foot pole? Well, we're diving in because understanding this could be the game changer for your investment strategy. And before we wrap up, we'll detour and explore the oft-overlooked world of annuities. Yeah, those things get a bad rap for their low returns. But hang on, have you been too quick to judge? You might be surprised at what they've quietly offered over the past decade. So come join us for a hearty conversation that might just make you rethink your financial moves. It will be insightful, a bit perplexing, but totally worth your time. Tune in, shake up your perspectives, and let's take charge of our financial futures together. ______________________________ If you'd like to explore how annuities or a permanent life insurance policy can provide you with stable returns and no risk to your principal (unlike bond etfs or mutual funds), please click right here to contact us. 

In this illuminating episode, we dive deep into an often overlooked aspect of financial planning - the role of Whole Life Insurance as a powerful investment tool. You'll explore the unique benefits of this type of life insurance policy, not just as a tool for legacy planning, but also as a strategic part of your retirement portfolio. Discover how you can leverage Whole Life Insurance as a low-volatility asset to enhance the stability and success of your retirement income. We explain the mechanics of Whole Life Insurance policies and how their cash value accumulation feature can be a potential source of tax-free income during your retirement years. You'll also learn how to intertwine Whole Life Insurance with your other investments effectively. We'll guide you through balancing various financial instruments, helping you make informed decisions that lead to a more secure and prosperous future. So, whether you're just starting your journey toward financial independence or are already on the path to retirement, this episode equips you with key insights to ensure your portfolio is robust and resilient. Tune in and take the next step in mastering your financial future. _________________ If you'd like to explore how whole life insurance can enhance your retirement income plans, please click here to get in touch.

In this episode, we're getting real about whole life insurance and how it can potentially supercharge your retirement planning. We will walk you through what it's all about, from the certainty of death benefits to the chance for cash value to grow. And guess what? Some pretty sweet tax advantages can give your retirement income a boost. We'll dive right into those tax benefits and talk about how the cash value in your policy can grow tax-free over the years. And get this: you could even take out a tax-free loan against that cash value. Sounds too good to be true. But it's all part of the magic of whole life insurance. We'll go deep into policy loans, essentially loans against your own money, and why they can be a great tool for retirement planning. After all, who doesn't like the idea of accessing funds without triggering a taxable event? Next, we'll help you explore how whole life insurance can assist you in creating a tax-efficient stream of income during your retirement. It's not just about the pension or social security; there are more ways to fill your post-work years with financial stability. We'll use real-life examples and scenarios to illustrate how this plays out. Of course, it's not all roses. We'll also discuss some potential downsides of using whole life insurance for retirement planning. Remember, this isn't a one-size-fits-all solution. There are other retirement planning options out there that might be a better fit for your circumstances. So come join us for this eye-opening chat about whole life insurance. Whether you're just dipping your toe into the concept or looking to deepen your understanding, we have loads of insights you won't want to miss.  ________________________ If you want to explore what whole life insurance can do for you, please click here to contact us.

In this episode, we explore the solid rock that whole life insurance can be in your retirement plan. As you navigate the choppy waters of financial planning for your golden years, wouldn't finding a beacon of stability be comforting? Tune in as we unravel the intricacies of whole life insurance and show you how this financial instrument has stood the test of time. We start by laying the foundation: explaining whole life insurance and how it works. You'll learn how it goes beyond the typical protection offered by insurance and becomes a versatile financial asset, building cash value over time and providing a consistent income stream even during economic turbulence. We then delve into the unique advantages whole life insurance has over traditional assets like stocks and bonds. You'll understand how its immunity to market volatility and guaranteed interest accumulation provide the certainty you seek for your retirement years. But that's not all. We shed light on how dividend-paying whole life insurance policies can accelerate the growth of your policy's cash value, thereby increasing your retirement income potential. We'll also introduce you to the stability of mutual life insurers, companies with a rich history of passing profits back to policyholders through dividends, further enhancing your retirement portfolio. Discover the multiple ways to access your policy's cash value and convert it into a steady income stream during retirement. We discuss options like policy withdrawals and loans that allow for a predictable and tax-efficient income. If you've been worried about market downturns or the ups and downs of the stock and bond markets, this episode will show you how to rest easy. Learn how a whole life insurance policy can be the steadfast pillar you lean on, providing financial stability and peace of mind as you sail into retirement. Don't miss this episode as we help you fortify your financial future. Tune in, and let's make the most of your golden years together! _______________________ If you'd like to explore how a whole life insurance policy could become the cornerstone of your retirement income strategy, please click here to get in touch with us. We help people with that very thing all across the country every day.

Ready to kick your retirement savings into overdrive? Come and join us in this episode, where we're chatting about whole life insurance and how it could be your secret weapon for growing a chunky retirement nest egg. First up, we'll give you the lowdown on whole life insurance. We'll walk you through what it is, how it works, and why it's not your run-of-the-mill life insurance policy. You'll get the scoop on cash value accumulation and why the solid growth and stability of whole life insurance make it a game changer for your retirement plans. Next, we'll dive into the world of traditional retirement plans, like 401(k)s and IRAs, and show you how whole life insurance plays by its own rules. We'll discuss how you can earn more money with a whole life insurance policy, boosting your financial security and potential retirement income. We'll also uncover the tax perks of cash value growth in whole life insurance policies. Imagine seeing your retirement savings balloon, all while potentially keeping Uncle Sam's hands off your hard-earned cash! We'll then guide you through the ins and outs of tapping into your policy's cash value through loans or withdrawals. We'll discuss the perks of using these as a tax-free retirement income source but also fill you in on how they could affect your policy's death benefit and overall performance. In our final chat, we'll explore why having a mix of different investments in your retirement plan, including whole life insurance, is a smart move. We'll give some real-life examples of how whole life insurance can complement your other retirement savings and add extra financial security to your retirement strategy. _______________________ If you'd like to explore how a whole life insurance policy can fit into your future plans for retirement, please click here to get in touch with us.

In this revealing episode, we're diving deep into the recent survey data collected by the American Council of Life Insurers (ACLI). If you're a retirement saver, this episode is a must-listen! It will shed light on concerns you and others like you might have about future financial security. We discuss the key findings from the survey, where we learned that over half of retirement savers (54%) are considering bolstering their financial future by purchasing a guaranteed lifetime income product. We delve into why 73% of savers, including 68% of those without a pension, are expressing an interest in such products. You'll also find out how today's economy influences retirement planning decisions, with a stunning 88% of savers looking for ways to protect their nest egg to ensure it lasts throughout their golden years. With four-in-five savers expressing concerns about having enough savings to last through retirement, we unpack these figures and discuss strategies to mitigate these fears. In our deep dive, we'll also cover the perceived benefits of guaranteed lifetime income products, which promise to provide a steady income stream during retirement. We discuss how these products can offer you peace of mind by ensuring a consistent income for life, regardless of market volatility or economic changes. So, whether you're a seasoned retirement saver or just getting started, join us as we explore the results of this pivotal survey and discuss practical steps you can take to secure your financial future. _______________________ If you'd like to explore your options for guaranteed retirement income, please click right here to reach out to us.

In today's episode, we're diving deep into the results of the 33rd Annual Retirement Confidence Survey conducted by the Employee Benefit Research Institute and Greenwald Research. You'll see how American workers and retirees feel about their prospects of a comfortable retirement in 2023.  Are you among the 64% of workers who feel at least somewhat confident about their retirement prospects? Or perhaps you're in the 18% who feel very confident? We'll unpack why these numbers are lower than in previous years and why retirees generally have a slightly higher level of confidence than workers.  If you've noticed a decline in your own retirement confidence, you're not alone. We'll explore why the confidence of both workers and retirees has dropped to levels last seen in 2018 and why this decline is being compared to the dramatic drop seen during the 2008 global financial crisis. We'll also share crucial data points regarding the readiness of workers and retirees to meet basic expenses and deal with inflation during their retirement years. If you're seeking clarity and knowledge to better navigate your retirement planning, this episode is for you. Join us as we unpack these insights and help you understand how you can plan more effectively for your retirement.  _____________________________ We have a way that you can feel confident about your retirement. Click here to ask us how you can complete our Retirement Readiness Check and gain access to your own Income Optimizer Program. It will give you peace of mind and a plan to follow so that you can have a confident retirement.

In this episode, we're pulling back the curtain on the so-called "501(k) plan." You'll learn about the deceptive origins and marketing tactics of this fraudulent scheme, and we'll equip you with the knowledge to identify the red flags and warning signs of such scams. We'll dive deep into the mechanics of the 501(k) plan, exposing the strategies used to prey on your retirement concerns. You'll see the potential risks and consequences of falling for these scams. But it's not all about the scam. We'll also guide you toward how to actually view cash value life insurance as a viable part of your retirement planning. We want to empower you to take control of your retirement planning. We'll offer practical tips and resources to boost your retirement savings and investments and emphasize the importance of ongoing education in financial matters. Join us as we debunk the 501(k) plan myths and guide you toward a secure retirement with cash value life insurance. We encourage you to share your questions, comments, and personal experiences related to retirement planning. Don't fall for the scams—take charge of your future today! __________________________ If you're thinking about how cash value life insurance (whole life or indexed universal life) fits into your retirement planning strategy, please click here to contact us.

In this episode, we're diving into the two big stories of 2023: the surge in life insurance interest and the record-breaking annuity sales. First, we'll guide you through the key findings of the 2023 Insurance Barometer Study, highlighting the significant coverage gap in life insurance, particularly among younger generations. You'll learn why a record 39% of Americans, including a substantial portion of Gen Z and Millennial adults, plan to purchase life insurance in the next year. We'll discuss the challenges faced by single mothers and younger parents, the barriers to coverage, and the role of knowledge gaps in this scenario. Then, we'll pivot to the explosive annuity sales of Q1 2023, exploring the record-breaking $92.9 billion total sales, a 47% increase from the previous year. You'll gain insights into the surprising dominance of Fixed-rate deferred (FRD) annuities, with $40.9 billion in sales, and why these products are so attractive to conservative investors. We won't stop there. We'll also delve into other annuity products, such as Fixed-indexed annuity (FIA) and Income annuities, both marking record-breaking quarters. We'll touch upon the sliding Traditional variable annuity (VA) sales and the rising star: Registered index-linked annuities (RILA), appealing to investors seeking higher returns and willing to accept some downside risks. In this episode, our aim is to educate and empower you to better understand the life insurance and annuity markets. Whether you're a young adult, parent, investor, financial advisor, or simply someone interested in the world of finance, this episode is a must-listen. Join us as we demystify life insurance and delve deep into the annuity sales boom of 2023, helping you navigate these critical trends and forecasts in the financial landscape. _______________________________ If you'd like help with looking at how life insurance or annuities might benefit you and your family, please click here to get in touch with us.

Are you tired of waiting over a decade to see substantial cash value in your whole life insurance policy? In this eye-opening episode, we'll reveal how you can build cash value and have a positive return in the shortest time possible. Discover the power of policy design and how it can make all the difference in cash value growth. We'll walk you through the factors that influence the speed of accumulation, including age, health rating, and risk class. Say goodbye to the days of watching your policy's cash value inch forward at a painfully slow pace. Join us as we demystify the process and show you how working with a skilled independent broker can help you design a policy that maximizes efficiency and achieves rapid cash value growth. You'll learn how to avoid the frustration and pitfalls that many traditional policyholders face and how to make your policy work for you, both in the short term and over time. Tune in and empower yourself with the knowledge to make smarter decisions about your whole life insurance policy. Let's transform your policy into a powerful tool for personal banking or retirement income.  ______________________ If you'd like to see how we can help you do the very thing we're discussing in this episode, please click right here to get in touch with us.

Many people are using cash value life insurance (both whole life and indexed universal life) to grow a substantial pile of easily liquidated cash for future retirement income needs. However, many people have old policies that have poor loan provisions or just have no need to keep the policy in force and would rather have some sort of guaranteed income plan. There's actually a simple way to do this that's been around for as long as life insurance has as far as we know but it's not talked about very often.  Listen to our episode today to find out more. ________________________________ If you'd like help with turning your cash value life insurance into a safe and in many cases guaranteed income, please click right here to contact us. 

In this episode, we dive into the world of old whole life insurance policies and their subpar returns on cash value. We'll explore why these "old school" policies are still being sold to unsuspecting consumers and how they allocate an excessive amount of premium towards increasing the death benefit.  Join us as we share examples of how these inflexible and costly policies can leave policyholders feeling trapped and discuss the benefits of upgrading to a more modern life insurance policy. Learn how upgrading can provide increased flexibility, better coverage options, and improved investment opportunities while enjoying the benefits of a policy tailored to meet your individual needs. Don't miss this opportunity to discover the advantages of modern whole life insurance policies and how they can transform your financial future. If you're stuck with one of these "old school" whole life policies, don't worry! Click right here to reach out to us for help and navigate a better way forward.

Embark on a journey to uncover the hidden factors that can shape your whole life insurance policy's success. In this riveting episode, we dive deep into the world of insurance company investments and reveal why paying attention to your insurer's investment performance can make a significant difference in your policy's long-term value. Explore the fascinating connection between the insurer's general account rate of return and the dividends you may receive. Unravel the intricacies of the internal rate of return on cash value, and learn how it affects the overall performance of your policy. As we demystify the world of whole life insurance, you'll discover how astute investment strategies can lead to higher dividends, reduced premiums, and potentially greater financial security. Delve into the realm of policy design flexibility and uncover the benefits of tailoring your policy to suit your unique needs. We'll guide you through the essential aspects of policy design, from premiums and death benefits to cash value growth and riders, helping you make informed decisions for your financial future. In this eye-opening episode, we also challenge the conventional wisdom of opting for larger insurance companies. You'll uncover the hidden gems of smaller insurers and learn how their nimble approach to investment strategies can potentially lead to better returns and more personalized service. By the end of this thought-provoking exploration, you'll be well-equipped to make a confident decision when choosing the best whole life insurance policy for your needs. Join us in this enlightening adventure and gain the knowledge and insights you need to secure the financial future you've always envisioned for yourself and your loved ones. ________________________________ If you're considering a whole life policy or you have one that's been around for a while and you'd like us to take a look, please click right here to contact us. We're always happy to hear from you!  

In today's episode, we'll be discussing a topic that has generated a lot of buzz and intrigue in the life insurance industry: Variable Universal Life Insurance. Is it a smart investment or a costly gamble that could leave you empty-handed? We'll break down the ins and outs of this complex product, comparing it to popular alternatives like whole life insurance and indexed universal life insurance. First, we'll explore the allure of variable universal life insurance. At first glance, this type of policy seems appealing due to its premium flexibility and potential cash value accumulation. Policyholders can allocate their premiums to various sub-accounts, including stocks, bonds, and money market funds. This feature allows for the potential of higher returns compared to the guaranteed interest rate offered by whole life insurance or the non-guaranteed interest of indexed universal life insurance. However, this increased potential for returns comes with a higher level of investment risk. Our host will discuss the implications of this risk and how it could impact your policy's cash value and death benefit. Next, we'll examine the double-edged sword of premium flexibility. While it may seem like an attractive feature, it comes with hidden dangers, such as the potential for a policy lapse. If your policy's cash value is not sufficient to cover the expenses, your policy could lapse, leaving you without coverage. Our host will discuss the importance of lapse protection riders and their associated costs, as well as the requirements needed to maintain this protection. The episode will then shift focus to safer alternatives: whole life insurance and indexed universal life insurance. Both offer permanent coverage, tax-deferred growth, and flexible death benefit options. Whole life insurance provides a guaranteed cash value accumulation and a guaranteed interest rate, while indexed universal life insurance offers a non-guaranteed interest rate tied to a market index with a guaranteed minimum rate. We'll discuss the benefits of these policies and their suitability for different financial goals and risk tolerances. As we wrap up the episode, we'll weigh the risks of variable universal life insurance and emphasize the importance of making an informed decision. While variable universal life insurance may seem enticing due to its potential for higher returns and premium flexibility, it's crucial to carefully consider the risks involved, such as market volatility, policy loans, and surrender charges. Don't miss this in-depth analysis of variable universal life insurance. Whether you're considering purchasing a policy or simply want to learn more about it, this episode is packed with valuable information that will help you navigate the world of life insurance with confidence. Join us and empower yourself with the knowledge you need to protect your family's financial future. _________________________ If you'd like to explore whole life insurance, indexeded universal life insurance or are looking for ways to generate guaranteed retirement income, we can help. Please click here to get in touch with us.  

Hey there, life insurance enthusiasts and financial aficionados! Are you ready to dive into life insurance and uncover the secret sauce driving the growth of indexed universal life (IUL) insurance? Then buckle up because in today's episode of "The Insurance Pro Blog Podcast," we will explore how IUL gives traditional whole life insurance a run for its money. We all know that life insurance is essential for securing our loved one's financial future, but choosing the right policy can be tricky. While whole life insurance has been a staple for decades, indexed universal life insurance is changing the game with its innovative features. So, what's the deal with IUL? Well, for starters, its flexibility is a significant selling point. Unlike whole life insurance, IUL allows you to adjust your premiums and death benefits as your needs and circumstances change. Life can be unpredictable, and having a policy that adapts with you can make all the difference. In this episode, we'll delve into the nitty-gritty of how this flexibility empowers policyholders to tailor their coverage for optimal peace of mind. But wait, there's more! One of the most exciting aspects of IUL is its increased index options. While whole life insurance offers a guaranteed cash value growth based on a fixed interest rate, IUL is tied to a market index (like the S&P 500) or any number of other options--some proprietary to specific insurance companies. This means that your policy's cash value can potentially grow faster, depending on market performance. Of course, a bit more complexity is involved, but don't worry – we got you covered on that. Speaking of markets, did you know that IUL is designed to adapt more quickly to changing interest rates and market conditions? With whole life insurance, adjustments can be slow and cumbersome. But with IUL, policyholders can capitalize on market upswings while still enjoying protection from significant downturns. In today's fast-paced world, having an insurance policy as dynamic as the market is a huge advantage. We'll unpack the mechanics behind this in the episode, so you can see how IUL leads the way in innovation. We're not here to bash whole life insurance – it still has its merits and can be a great choice for many people. But the reality is that indexed universal life insurance is quickly becoming a major player in the industry, thanks to its flexibility, increased index options, and ability to adapt to changing market conditions. If you're curious about how IUL could benefit you and your loved ones, you won't want to miss this episode. So, join us as we dive deep into the world of indexed universal life insurance and uncover the innovative features that make it a front-runner in the life insurance industry. Whether you're an insurance newbie or a seasoned pro, there's something for everyone in this eye-opening episode.  _______________________________ If you want to explore how an indexed universal life insurance policy might work for you, please click here to contact us. We help people all over the U.S. daily with this very thing, and we'd love to help you too!

Welcome to another exciting episode of The Insurance Pro Blog Podcast, where we dive deep into life insurance, finance, and wealth management. Today's episode, "How Life Insurance Companies Master Diversification in Asset Management," is a must-listen for anyone interested in understanding the strategies and techniques used by life insurance companies to create well-diversified investment portfolios that deliver consistent returns for policyholders. In this engaging and insightful episode, we'll take you through life insurance asset management, exploring how these financial giants have honed their expertise in diversification, risk management, and long-term investment planning. We'll examine the crucial role of whole life insurance in their portfolios and discuss how dividends and interest rates play a significant part in delivering value to policyholders. But that's not all! We'll also delve into the complex landscape of bond maturities and interest rate risk, revealing the clever tactics life insurers use to navigate these challenges and protect their investments. You'll discover the fascinating strategy of "immunization" and learn how it helps life insurance companies balance their bond holdings and future policy liabilities. As we venture further into life insurance asset management, we'll uncover the secrets behind their diversified investment portfolios. We'll explore their heavy focus on fixed income and guaranteed interest products, such as annuities and whole life insurance. You'll gain valuable insights into how these products provide policyholders with stable returns while allowing insurance companies to invest in a diversified mix of assets. Asset allocation is a key component of successful diversification. In this episode, we'll reveal the sophisticated strategies life insurance companies employ to achieve the perfect balance across various asset classes, including stocks, bonds, and real estate. We'll discuss how they expertly manage risk through careful asset allocation, ensuring their portfolios are well-equipped to navigate the ever-changing financial landscape. So, if you're ready to embark on a fascinating journey into life insurance asset management, tune in to this episode of The Insurance Pro Blog Podcast. Don't miss out on this opportunity to expand your financial knowledge and gain valuable insights to help you make more informed decisions about your life insurance policies and how they fit into your financial plan. ________________________________ If you'd like to explore how life insurance or annuities could work to help secure your future financial plans, please click right here to get in touch with us. 

For the first time in over a decade, we're all getting reacquainted with the adverse consequences of interest rate risk. To better explain to you what that actually means, we went on a Google search for a simple definition. But in doing so, found one from the FDIC, and in light of the recent turmoil in the banking industry, it seems to be the most appropriate one to share. So here it is straight from the FDIC website: Interest rate risk is the exposure of a bank’s current or future earnings and capital to adverse changes in market rates. This risk is a normal part of banking and can be an important source of profitability and shareholder value; however, excessive interest rate risk can threaten banks’ earnings, capital, liquidity, and solvency. Therefore, it is important to effectively identify, measure, monitor, and control interest rate risk exposure through effective policies and risk management processes. Sadly, it seems that some banks did not effectively identify, measure or monitor their exposure to interest rate risk. Instead, they closed their eyes, and held their breaths as the Federal Reserve raised rates sharply through 2022. The net effect is that all of the long-term bonds in their asset portfolios declined in market value.  That's not necessarily a problem if a bank isn't forced to sell the bonds on the open market. But when a whole bunch of depositors show up at once demanding their money, problems ensue. The bank is forced to sell bonds at a loss that is realized on their balance sheet, and the problem snowballs. We've been talking about interest rate risk here on this podcast for over ten years. Now, we didn't predict this particular outcome. Still, knew that artificially suppressing interest rates for an extended period would cause pain and so it begins. To hear more about how this affects the life insurance industry in particular, please listen to the full episode. ______________________________________ The upside of rising interest rates is that, you now have an opportunity to lock in guaranteed income streams, the likes of which we haven't seen in over a decade. If you're interested in exploring how that might benefit you, please click here to contact us for help. 

Despite the strengths of whole life guaranteed cash value, many people attack the guaranteed ledger of a whole life insurance illustration because they believe they can do better.  Do better is a highly subjective and relative notion, but one major argument notes that with whole life insurance, you are guaranteed to lose money if you buy it. Seems like a reasonable claim.  The ledger reflects a cash value less than your premiums in the first few years--a guaranteed negative return.  If you look at a whole life policy illustration (that we provide to our clients and potential clients), you'll notice that the increase in cash value year-over-year is not linear.  Now in truth, the growth of cash value in a whole life policy that earns dividends will sometimes fail to increase by an ever-growing number year-over-year. If the dividend rate drops significantly, it's possible that the growth in cash value could drop below the prior year.  Take special note here; we're not saying the cash value will be less; we're saying that the growth in cash value may be less than the year prior. But back to that whole life illustration for a moment.  It shows us that the guaranteed accumulation of cash values produces an ever-growing result year over year.  This means that a very large reduction in the dividend could result in absolute growth in cash value that is less than the prior year. Still, the guaranteed cash value accumulation in a whole life policy will likely make this difference extremely small.  If you want to hear more, please listen to the full episode. ______________________________ And if you'd like to see how a whole life policy might work for you just as we describe above, please click here to contact us. We'd love to help.

We have discussed indexed universal life insurance (IUL) at great length in previous podcast episodes, but we know the big question remains: does it work? So, to further investigate that question, we decided to update a bit of an experiment we ran about ten years ago. We will use a hypothetical IUL contract (a real contract from which we have borrowed heavily, but we won't name names) with a minimum interest rate of 0% per year and a maximum of 10%.  We're viewing this from two different approaches, one will be a model based on Monte Carlo methods, and the second will be a historical analysis of 140 years of annual growth in the S&P 500 index. With the S&P index, we used a mean return of 10% with a standard deviation of 15%. If that comparison interests you, please listen to the full episode. __________________________________________ If you'd like to explore your own life insurance strategy, please click right here to get in touch with us. We work with people nationwide every day, and we'd be happy to hear from you too.  

We don't often talk about the risks of running out of money related to needing some long-term care as you age. But it's a real risk nonetheless. In today's episode, we discuss some personal experiences with this very thing and watch as the need quickly consumed several hundred thousand dollars. Exhausting substantial resources doesn't take long when the need for care exceeds $10,000/month.  This could be a real threat to your wealth, but it's a risk you can insure if you plan ahead.  __________________________________ If you'd like to explore your options, please click here to contact us. We'd love to help.

While most financial advice is heavily focused on maximizing return while minimizing fees (and this perhaps is one of the reasons so many people fail long-term in their financial plan), today we're going to introduce a concept that is by no means new but one of those golden little nuggets that could dramatically change the way you look at financial matters through the lens of your personal self-worth. Since you'll never have control over the rate of return, it makes little sense to spend significant amounts of time worrying about it. Consider an alternative that puts you in total control of your outcome.  If that sounds enticing, listen to the full episode...and if you like some visual support, click on over to see the concept in multi-color graphs.  --------------- And when you're ready to have us help you develop a real plan that maximizes your outcome (with less focus on the rate of return), click right here to send us a message. We'd love to hear from you.

We've spent a lot of time trying to locate the source that validates this assumption (8% average return on investments). And back in 2018, we recorded an upside reporting our findings. At the time, we couldn't find evidence supporting 8% as a reasonable return assumption. But we decided it's been nearly five years since that original study, so we need to revisit it.  How did the extreme market increase over the last five years change things, or did it? Listen to the full episode to find out what we discovered.  ___________________________________ If you'd like to look at planning for your future and are questioning how you could do that in a way that makes reasonable assumptions, we'd love to help you. Please click here to get in touch.  

After spending a considerable effort attempting to corroborate an 8% compound annual growth rate for stock market investments, we’re about to unveil the latest and greatest research on achieving such returns - five years in the making. But this attempt at updating our data set with recent performance yielded something remarkable – prompting us to dedicate an entire episode exploring it further. What was the discovery...? It seems almost unbelievable, but a staggering 20-year compound annual growth rate of just 2.76% is something we've seen in the rolling 12-month returns data! That's huge – when those plans you made based on 8% don't come to fruition due to actually getting 3%, it profoundly impacts your life. Listen to the full episode for more details on what this all means and how you might want to adjust your plans to accommodate the risk of coming up short. ______________________________________ If you want help with a solution that can help you mitigate future risks, please click here and get in touch with us. We'd love to chat.

Annuities have experienced a cold dark winter over the last decade or so. It's not to say that annuities stopped existing and that the benefits they offered fell short. The product serves a vital role in providing guaranteed income in multiple combinations. However, the prolonged period of depressingly low-interest rates that we had from the financial crisis until the earlier part of 2022 saw the popularity of annuities fall. Again, they always fulfilled their promises as an income-focused product, but there was no real immediate gratification to them. Now things have shifted, and they've done so quickly and definitively. If you think you might like to have some portion of your future retirement income with a guarantee, now is the time to look at annuities more seriously. Please don't wait--the window is open, but we have no idea for how long.  Today's episode discusses how a move toward annuities could hurt the stock market.  _________________________ If you'd like to see how an annuity might benefit you, please click here to reach out. We've seen some pretty outstanding results lately with annuities and had some delighted clients as a result. 

What's old is new again, it seems, in the world, of talking about the myriad ways to use life insurance as a wealth-storing tool that is highly leverageable. As introduced by Nelson Nash, the infinite banking concept goes back several decades. He was the first person we're aware of to clearly articulate the benefits of using whole life insurance to create your bank.  In recent years, with the popularity of Youtube and the internet, self-proclaimed "eggspurts" have spread the idea to the world. However, the idea has been perverted by many and has ventured far from the original premise introduced by Nash. Today, we're outlining the problems with its modern interpretation while validating the original idea. The concept works, but you can't ignore the realities. Listen to hear precisely what we mean. _______________________________ If you'd like to talk with us about how the ideas we outline in this episode might work for your situation, please click right here to reach out to us and mention that you've been listening to our podcast.   

For years, we've all been taught that bonds are the "safety" valve to the otherwise stock-heavy allocation of our retirement/investment portfolios. And for years, we've argued that this was largely unproven as all of us have been living through extraordinary times where bond ETFs and mutual funds haven't faced the pressure of rising interest rates.  But the tables have turned over the last year to 18 months. Interest rate policy has shifted, and bond funds (ETFs and mutual funds) are reaping the sour harvest. The notions about bonds being more stable and safe are not holding.  In this episode, we look at specific data that may surprise you. Did you ever think you'd live through a time when the value of an investment-grade bond-focused ETF would experience a 17% loss in a calendar year? 2022 was one of those years.  ____________________________ If you're looking for an asset that provides similar average returns to bonds over time without the risk of losing money year-to-year, perhaps you might be interested to see how whole life insurance compares. We have more than 30 years of combined experience assisting clients with whole life insurance that achieves that result, and we'd love to work with you. Please click here to contact us and have us work for you to get the right policy set up this year. 

When looking at life insurance illustrations or the actual policy documents, you'll see some version of "Please seek the advice of your tax professional..." in numerous places. But why? Is it really necessary for you to go over every possible financial decision or potential purchase of a potential product with a tax professional? Well, that's up to you, but in our experience, that would be pretty costly and unrealistic. Not that seeking professional tax advice is a bad idea. Still, in many cases, insurance companies add these disclosures or warnings as a CYA tool because they can't possibly know of every person's situation--the sources of income you have, how much of it you have, what deductions you might have, etc. Today we discuss when it might be a good idea to seek professional tax advice and what you can expect from most tax professionals when guiding you on a life insurance purchase.  __________________________________ It's a new year, and we know that many of you listening to our podcasts probably are thinking about your finances and still pondering the big question..." will some sort of cash value life insurance work for me?" If that's you, please click here to get in touch with us; we can help you figure that out pretty quickly and guide you on the right policy if, in fact, if is a good fit for you.   

Oftentimes people will ask us how whole life insurance compares to buying passive stock market index funds or ETFs. It's a fair question and one that we've answered privately and publicly in the past. But we'd like to propose an alternative. Rather than a straight head-to-head comparison (which should always favor a higher return for stocks over time), perhaps there's a better way to view whole life insurance and where it fits into your financial or retirement planning strategy. Why not look at using whole life as an alternative to bonds? It produces more cash overall in the portfolio balance - we've always argued this is the point of owning whole life insurance in a cash-focused fashion. It complements the portfolio beautifully. ______________________________________ If you'd like to explore how a whole life insurance policy might work for you, please click right here to get in touch with us. We'd love to help!

When you're helping clients plan and prepare for retirement, you often are exploring various options for producing consistent income from their pool of assets. Each person's ability to produce that income and the desires they have for that income are vastly different. Something we encountered recently made us face obstacles that we haven't in recent years. With the rise of interest rates over the last few months, annuities and, more specifically, income annuities have come back to the forefront. For the past 10+ years, income annuities have not produced compelling outcomes. To be clear, they worked as they always do--pay an amount to an insurance company in exchange for a guaranteed income stream that lasts until you die. That's a very boiled-down explanation of how they work, but that's the basic idea.  While interest rates were incredibly low following the great recession in 2008, income annuities weren't all that compelling because there is an interest rate factor applied to the income stream. Now that rates have risen, those interest rate factors have as well, thus making the income streams much more compelling.  But the tradeoff for the client is that you are trading liquidity (availability to access your cash) for the certainty of a guaranteed income stream. And the compliance department is very concerned about that. So much so that we, as insurance agents, are required to make sure that our clients know of ALL the other things they could instead of buying an annuity.  Obviously, we have no issue with that, and we have that discussion with our clients anyway. In fact, if we are showing our clients an annuity with a guaranteed income stream, we've already discussed all of their options. But in the financial services world, we are the only group of people who are required to educate our clients about their other options. For example, a financial adviser (aka investment adviser) has no such obligation to educate their clients about annuities.  In today's episode, we talk about how regulators have forced us to present options that open our clients up to more risk, uncertainty, and potentially less income during retirement. _________________________________________ If you listen to this and are wondering how an income annuity might provide you with some security during retirement, please click right here to get in touch with us. It's worth exploring this option, things are looking better than we've seen them in a very long time. Seize the opportunity to lock in a higher guaranteed income stream while you can. 

In the 11+ years, we've actively communicated with potential clients online, we've had quite a few people approach us who were looking at High Early Cash Value products. Typically whole life insurance with that sort of identifier in the product's name.  And it begs the question: why aren't we keen on offering that flavor of whole life insurance to everyone? After all, we are the guys that made blended whole life insurance popular online--a concept that seeks explicitly to maximize the acceleration of cash value accumulation intentionally. So, that being the case, why wouldn't we recommend a product that is, by its very name, engineered to do that right off the shelf? There's a short answer, and that is that it (high early cash value life insurance) doesn't work very well for most people. But of course, there's a much longer answer that explains why that's true and why it's different from how we usually set up a policy for our clients. That's why you must listen to today's episode for a more robust explanation. Please take some time to listen, and if you feel inclined, send us a message.  ____________________________________ If you'd like to find out how to get rich with life insurance even if you don't die, please click right here to get in touch with us; we'd love to help you determine if the concept might work for you. 

We realize the title is a bit confusing, please don't get hung up on that. It's a critique of a Dave Ramsey video on Youtube that's a critique of Infinite Banking...except that Dave's rant has nothing to do with Infinite Banking. It's a rant where he flails about how much he hates whole life insurance, the companies that sell it, and that anybody who suggests it as an option for their clients is lying scum. Most of the time, we ignore the bald man from middle Tennessee. But we've had a few people ask us about his rant from a couple of years ago that you can find on Youtube where a caller to his show is asking about Infinite Banking. Dave never addresses his beef with Infinite Banking, but he lampoons everything related to whole life insurance. And insults the adviser who presented it to the caller.  In today's podcast, we walk through several of the points that Dave makes, and we point out where's wrong, misunderstands, and outright lies to the caller. It's good to be a financial advice guru with no responsibility to give accurate advice to anyone. We (and other advisers like us) must support and see through the plans we help our clients put in place.  _____________________________________ If you'd like to explore the concepts of infinite banking and whole life insurance that can work to support that idea, please click right here to get in touch with us. We've helped hundreds of people who were looking for that very thing over the last 11 years and we'd be honored to help you as well.