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PODCAST

Insurance Pro Blog Podcast

TheInsuranceProBlog.com

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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All Episodes

50:03

Why Do Some Companies Focus on Whole Life and Others...

Insurance Pro Blog Podcast ·

2023/08/06

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

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35:39

Breaking the QLAC Code

Insurance Pro Blog Podcast ·

2023/07/31

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

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39:40

Should You Roll Your 401k into Your Life Insurance...

Insurance Pro Blog Podcast ·

2023/07/23

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,

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32:54

Bond Inflows Highlight Annuity Strengths and Speak to...

Insurance Pro Blog Podcast ·

2023/07/16

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

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40:26

Whole Life Insurance in Conjunction with Other...

Insurance Pro Blog Podcast ·

2023/07/09

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

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52:00

Tax Free Wealth: The Power of Whole Life Insurance

Insurance Pro Blog Podcast ·

2023/07/02

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

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38:48

The Stability of Whole Life Insurance: A Reliable...

Insurance Pro Blog Podcast ·

2023/06/25

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

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47:38

Super Sizing Your Savings: How Whole Life Insurance...

Insurance Pro Blog Podcast ·

2023/06/18

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

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41:58

People Seek Peace of Mind with Guaranteed Income...

Insurance Pro Blog Podcast ·

2023/06/11

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

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40:11

New Data Shows Retirement Confidence Drops to...

Insurance Pro Blog Podcast ·

2023/06/04

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

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46:37

Unmasking the 501(k) Plan: Separating Fact from...

Insurance Pro Blog Podcast ·

2023/05/21

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

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36:30

The Boom in Life Insurance and Annuity Sales: Why Now...

Insurance Pro Blog Podcast ·

2023/05/14

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

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39:49

How Long Does It Take for Whole Life Insurance to...

Insurance Pro Blog Podcast ·

2023/05/07

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

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33:55

From Life Insurance to Retirement Income: A Guide to...

Insurance Pro Blog Podcast ·

2023/04/30

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

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32:56

Don't Settle for an Old-School Whole Life Insurance...

Insurance Pro Blog Podcast ·

2023/04/23

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

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36:28

Choosing a Whole Life Policy: Why You Should Pay...

Insurance Pro Blog Podcast ·

2023/04/16

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

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39:19

Variable Universal Life Insurance: A Costly Gamble...

Insurance Pro Blog Podcast ·

2023/04/09

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

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41:45

The Innovation Advantage: Why Indexed Universal Life...

Insurance Pro Blog Podcast ·

2023/04/02

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

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36:24

How Life Insurance Companies Master Diversification...

Insurance Pro Blog Podcast ·

2023/03/26

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

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43:09

Bonds Are Risky

Insurance Pro Blog Podcast ·

2023/03/19

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

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