The Insurance Pro Blog Podcast releases new episodes each week that support professional life insurance agents and financial planners who seek to better understand how cash value life insurance, in particular, might work for the benefit of their clients.
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Buying Whole Life Insurance Is An Income Play
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29:01
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29:01
In this episode, you'll discover why whole life insurance is an often-overlooked but powerful tool for generating retirement income. Brandon and Brantley dive into the numbers, revealing how whole life policies can provide a steady 5-5.5% annual yield with minimal risk. They compare this to traditional investment strategies, highlighting the stabil…
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Annihilating the Top Five Arguments Against Whole Life Insurance
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38:36
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38:36
Ready to shake up what you think you know about whole life insurance? In this episode, we're diving headfirst into the top five arguments against it—and we turn them on their heads. Ever heard that whole life is just too expensive? Or that the returns are laughably low? We're going to break down why these arguments don't hold water. And don't even …
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Interview with Steve Selengut-How to Use Closed End Funds to Create Another Stream of Retirement Income
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57:50
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57:50
In this episode, you'll discover how closed-end funds can revolutionize your retirement income strategy. From expert Steve Selengut, you'll learn about this often-overlooked investment vehicle that's been around since the 1800s. You'll explore: - What closed-end funds are and how they differ from mutual funds and ETFs - Why closed-end funds are req…
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Five Problems that Annuities Address Perfectly
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34:16
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34:16
In this episode, you'll discover how annuities can solve some of the most pressing concerns of retirees and those planning for retirement. You'll learn about five key issues that annuities are uniquely positioned to address: 1. Longevity: You'll understand how annuities can provide guaranteed income for life, eliminating the fear of outliving your …
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Should Everyone Own an Annuity?
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34:57
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34:57
In this episode, "Should Everyone Own an Annuity?", you'll dive into the often misunderstood world of annuities and explore whether they're a suitable financial tool for everyone. You'll learn about the different types of annuities, including immediate and deferred annuities, and how they function to provide guaranteed income. You'll discover: - Th…
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What Does and Does NOT Cause IUL Cap Rates to Go Down?
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29:39
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29:39
Have you ever wondered what really drives changes in indexed universal life (IUL) insurance cap rates? This episode delves into the mechanics behind these complex financial products. You'll learn why company profitability isn't the main factor influencing cap rates, participation rates, and spreads in IUL policies. Instead, discover how market cond…
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The Hidden Truths and False Promises of Infinite Banking
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41:18
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41:18
In this episode, we're pulling back the curtain on a popular financial strategy that might not be all it's cracked up to be. Don't get us wrong – we're not saying Infinite Banking doesn't work. It does, in theory. But we're here to discuss why it might not be the golden ticket for everyone. We'll dive into those success stories you've probably hear…
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Whole Life Dividend Futures: What Investment Trends Reveal About Your Payouts
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30:15
In this episode, we dive into the intricate world of whole life insurance dividends and the investment trends that shape them. You'll learn why the recent rise in interest rates hasn't immediately translated to higher dividend payouts, and the factors behind this lag. You'll discover how we analyzed the five-year investment yield trends of ten majo…
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Why Do so Many Agents Struggle to Understand Universal Life Insurance?
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33:18
In this episode, we explore the complexities and misconceptions surrounding one of the most versatile insurance products out there. Universal life insurance often gets a bad rap from agents who parrot outdated claims, but there's a deeper issue at play. The vast flexibility and customization options of universal life insurance make it both incredib…
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Whole Life Can Miss the Mark and Still Be Better
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29:44
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29:44
In this episode, we explore the impact of asset variability on retirement income. We discuss why the 4% withdrawal rule has proven effective despite assumptions of higher returns, and how market volatility affects sustainable withdrawal rates. You'll learn about the challenges of retirement income modeling, using examples from Monte Carlo simulatio…
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Whole Life Insurance Only Sucks When You Do It Wrong
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41:10
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41:10
In this episode, "Whole Life Insurance Only Sucks When You Do It Wrong," we explore common mistakes people make with whole life insurance policies and how to avoid them. From buying the wrong type of policy to mismanaging loans, we’ll share real-life examples and offer practical advice to help you make informed decisions. We'll discuss the importan…
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The Dangerous Retirement Plan You're Probably Using
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36:50
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36:50
Today, we tackle a widespread but often misunderstood concept of retirement planning. Are you under the impression that time eliminates risk when it comes to your investments? Think again. In this engaging and informative episode, we break down why the common belief that "time in the market" reduces risk can lead to serious financial missteps, espe…
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Look At All The Money You Could Have In Whole Life Insurance
36:53
36:53
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36:53
In this episode of the Insurance Pro Blog Podcast, we’re diving into the surprising benefits of whole life insurance. Have you ever wondered how much money you could actually accumulate with a whole life insurance policy? We’ve got some eye-opening stories from our clients that show just how powerful these policies can be. Unlike the rollercoaster …
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Retire Richer with These Tax Free Income Strategies
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33:21
Ready to retire richer? In this episode, we're back to build on last week's discussion about using tax-free income to beat inflation. We'll dive deep into cash value life insurance and other strategies that can help you achieve a financially secure retirement. We start by comparing a traditional retirement account growing at 8% annually with a $25,…
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How to Beat Inflation With Tax-Free Income
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34:26
Ever wonder how you can beat inflation with tax-free income? In this episode, your favorite hosts dive into the world of cash value life insurance and its powerful potential to generate tax-free income during retirement. We break down how cash value life insurance can serve as a hedge against inflation, especially when compared to tax-qualified sou…
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All the Arguments Against Indexed Universal Life Insurance Are Wrong
35:47
35:47
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35:47
If you've bumped into the buzz that IULs are a bad bet, this episode is for you. We're going straight to the heart of the most common critiques. Rising costs? Let's talk about why that doesn't have to be the scare it's made out to be. The complexity of IULs? We'll break it down into plain speak. And those illustrated rates that seem too optimistic?…
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How Do You Actually Use Whole Life Insurance to Create Retirement Income?
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31:28
Are you considering using your whole life insurance policy as a source of retirement income? While ledgers and assumptions made by agents can be misleading, the process of distributing money from a whole life policy is not as complicated as it may seem. In this episode, we'll dive into the practical aspects of using your whole life policy for retir…
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The New NEW DOL Fiduciary Rule
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38:33
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38:33
What's old is new again. The U.S. Department of Labor has revived its "Fiduciary" Rule after 7 years. This rule was originally discussed and proposed in 2015-2016. However, it was tabled after Trump was elected, and the DOL dropped it. The new rule is no less confusing than the original. Perhaps even more so. In today's episode we discuss some of t…
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Whole Life is Winning the Fight Against the Bloggers
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33:59
We started talking about whole life insurance on the internet way back in 2012. At the time, the popular sentiment among the ever-growing cadre of financial bloggers was to attach all types of cash value life insurance--including whole life insurance. It was as if they had ripped a page out of Dave Ramsey's playbook, and their arguments were as thi…
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How Bad is the Actual Performance of an Indexed Universal Life Policy?
31:22
31:22
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31:22
Are you curious about the actual performance of an Indexed Universal Life (IUL) policy? In this episode, we dive into the details of an IUL policy put in force 9 years ago and address the common arguments against IUL. You'll learn about the static interest rate assumptions used in IUL illustrations, the concerns about cap rates, and how this policy…
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Don't Get Caught Up in This Life Insurance Scam
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30:43
As long as we've been around in the life insurance business, we've seen scams. Some are subtlle and some not so much. The one we are discussing today is new (as far as we know) and represents the worst kind...the one that solely seeks to enrich the agents promoting it. ___________________ If you'd like to work with agents who will not take advantag…
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Eliminate Investment Fees with Annuities
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34:24
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34:24
If you're tired of watching your hard-earned money disappear into the pockets of investment managers, this episode is a must-listen. You'll learn how many retirees unknowingly pay exorbitant fees for low-volatility investment strategies, particularly those heavily weighted toward fixed income. But what if there was a smarter, more secure alternativ…
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Life Insurance is Better With Bitcoin
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35:24
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35:24
It's time to get real about this crazy idea of mixing life insurance with bitcoin. In this no-holds-barred podcast episode, "Life Insurance is Better With Bitcoin," we'll pull back the curtain and show you why this scheme is about as secure as a sandcastle in a tsunami. Picture this: you've got an insurance company operating out of Bermuda, a place…
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We Were Right, Life Insurance Actually Works
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33:37
In this eye-opening episode, you'll discover how cash value life insurance (whole life or indexed universal life) has proven to be a reliable and effective long-term financial strategy. With over a decade of experience and hundreds of satisfied clients, we share our insights on this approach's success. Join us as we delve into the reasons behind ou…
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More Income with Less Risk-Move Your Money to Whole Life Insurance
31:37
31:37
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31:37
Are you worried about market volatility eroding your hard-earned retirement savings? In this episode, we reveal a powerful strategy to help you protect your assets and generate reliable, tax-free income in retirement. Discover how strategically moving a portion of your portfolio into whole life insurance can provide guaranteed returns, minimize ris…
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Can You Beat the Market with Indexed Universal Life Insurance?
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22:58
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22:58
Are you looking for a way to outperform the market with a risk profile similar to bonds? In this episode, we dive into the world of indexed universal life insurance and explore how its unique features, such as the zero percent floor and annual reset, can give you an edge during certain market periods. While we don't expect indexed universal life in…
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Should I wait to Buy Whole Life Insurance Until Interest Rates Drop?
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18:34
In this episode, we'll break down the advantages of whole life insurance that accrue over time, illustrating why the best time to buy might actually be now. We'll explain how a policy purchased today can grow and potentially yield higher dividends in the future, putting you in a better position as rates rise. You'll get an in-depth comparison throu…
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Why Simplifying Life Insurance is Failing
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35:53
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35:53
You might think that simplifying the purchase of life insurance would make it more accessible, but as you'll discover, this approach has led to a series of high-profile failures. From MetLife's kiosk experiment to the fall of Select Quote, we'll explore the reasons behind these missteps and the importance of expertise in this field. You'll learn wh…
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How to Create Tax Free Wealth with Tax Free Income
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32:41
Unlock the secrets to building your wealth while keeping it away from the taxman in this eye-opening episode of our financial series! "How to Create Tax-Free Wealth with Tax-Free Income" is your personal guide to understanding how you can leverage a municipal bond portfolio to generate income that's not only stable but also tax-exempt. Dive deep in…
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The Money Multiplier: Life Insurance as a Catalyst for Personal Wealth Expansion
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46:53
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46:53
You've been told life insurance is there to protect your family financially upon your untimely departure, but that's barely scratching the surface. You're about to learn how these policies harbor a wealth of untapped potential that can serve as a powerful tool in your personal finance arsenal. Imagine unlocking a reservoir of tax-free cash that bur…
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Vanguard Data Says You Should Buy Cash Value Life Insurance
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24:18
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24:18
In this episode, we delve into the financial landscape and explore why cash value life insurance could be a smart move for your portfolio.Vanguard's recent forecasts suggest that U.S. equities are expected to return between 4-6%. While this might seem like a decent return, we'll discuss how you could potentially match or even exceed this with a cas…
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Recession Proof Returns: The Steady Appeal of Life Insurance Assets
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38:54
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38:54
We understand that navigating the path to a well-funded retirement portfolio can be challenging, especially when market fluctuations cause your account balance to swing wildly. This can be particularly distressing if the majority of your retirement assets are concentrated in one account, like a 401(k). But don't worry, we have a solution for you: L…
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Lifespan Leverage-How Age Impacts Your Life Insurance Investment Strategy
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29:25
You know that life insurance serves an important purpose, but did you realize it can also be part of your investment strategy? In this episode, you'll learn how your current age and stage of life can significantly impact how you leverage life insurance for investing. Whether you're young and looking to build cash value, middle-aged and want to supp…
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De-Risking Whole Life Insurance with a New Twist
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33:56
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33:56
In this episode, we delve into the nuanced world of whole life insurance as a strategic component in retirement planning. You'll discover how diversification isn't just about spreading your investments; it's about balancing risk and return. We explore a compelling scenario where shifting funds from a traditional 401(k) to a whole life insurance pol…
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Is the 401k Failing? Exploring America's Retirement Plan and Alternatives
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38:12
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38:12
Here is a draft podcast episode description about the potential failings of 401k plans and alternatives, written in an active voice using second person: Are you betting your retirement dreams solely on your 401k? This week's eye-opening episode explores why that might be a mistake. We break down the little-known pitfalls plaguing many 401k accounts…
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Unlocking the Truth About Life Insurance-Debunking Common Myths
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46:21
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46:21
Do you have lingering questions about life insurance? In this myth-busting episode, you’ll learn why life insurance isn’t just for the wealthy or elderly. We’re tackling misleading ideas about cost, coverage, and who needs it. Get empowered as we debunk notions that your employer policy is enough or that life insurance is complicated. You’ll discov…
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Uncover the Power of Infinite Banking: A Game-Changing Financial Strategy
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39:51
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39:51
Are you looking to maximize your retirement savings and become savvier with your year-end tax planning? Join us as we share five advanced strategies aimed at turbocharging your Roth IRA conversions over the next few years. Learn how to coordinate deductions and tax credits to your advantage. Discover clever ways to offset the increased tax bite fro…
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The Pension Replacement Plan-Whole Life Insurance as Your Retirement Backbone
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44:00
Do you feel unsure about having enough money to live comfortably when you retire? Are you looking for alternatives to unstable 401(k)s and IRAs? In this podcast, you’ll learn how to use whole life insurance to solidify your retirement funds. We’ll walk you through the basics of utilizing a permanent life insurance policy to build cash value that yo…
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Wealth Without Waves: Smoothing Market Volatility with Life Insurance
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38:12
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38:12
In this episode, we delve into the topic of market volatility and its impact on your wealth accumulation strategy. You'll learn how to smooth out the waves of market ups and downs by considering life insurance investment as a potential solution. First, we explore what market volatility is and how it affects your investment returns. We discuss the f…
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Reviving Retirement-The Role of Life Insurance in Reimagining Your Golden Years
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36:14
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36:14
Are you approaching retirement but feel uncertain about how to achieve financial security during your golden years? In this episode, we explore innovative ways to maximize your retirement outlook using life insurance. You’ll discover how life insurance provides more benefits beyond just a death benefit, making it a powerful retirement planning vehi…
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Bullish Moves: How to Capitalize on Up Markets with Your IUL Policy
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37:54
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37:54
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 tec…
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Whole Life Insurance Disillusionment
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44:58
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44:58
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 unrea…
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Rethinking Infinite Banking: The Interest Rate Conundrum
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43:35
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 i…
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Why Aren't Whole Life Dividends Rising Faster?
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32:07
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32:07
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 insur…
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Decoding Dollars-Your Guide to Whole Life Insurance Calculations
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35:03
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35:03
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 throu…
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IUL Vulnerabilities Through Turbulent Times
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35:57
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35:57
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. Un…
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Whole Life Insurance: A Tax-Efficient Strategy in a Changing Landscape
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35:29
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 whol…
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Annuities Make RMDs Better
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28:44
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28:44
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 levera…
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How Commissions Will Save Middle America
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41:48
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41:48
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.…
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Indexed Universal Life Insurance: What Actual Experience Tells Us About Its Value
58:16
58:16
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58:16
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 …
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