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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

42:02

Get Inflation Beating Retirement Income with Whole...

Insurance Pro Blog Podcast ·

2022/10/02

Inflation is all around us and everyone is failing the pinch of higher prices at the gas pump, grocery store, and soon-to-be winter heating bills. None of this is helped by the broad market declines over the past 12 months. If you own stocks and bonds, you're probably wondering about that supposed inverse relationship you learned about. And if you are living on the income you derive from your investment portfolio, things probably seem a little scary. What if you could use whole life insurance to

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41:49

Whole Life Insurance Doesn't Care About Rate Hikes

Insurance Pro Blog Podcast ·

2022/09/25

With the recent economic turmoil and subsequent rate hikes from the Federal Reserve to curb the highest inflation we've seen in 40 years, many are looking for refuge from the volatility of stock and bond markets. It's understandable and whole life insurance certainly offers a safe haven from the ups and downs of financial markets. However, we believe many are too focused on capital appreciation when they would be better off focusing on a retirement income plan. Having several sources of reliable

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33:51

Can You Lose Money with Indexed Universal Life Insurance

Insurance Pro Blog Podcast ·

2022/09/18

Claims that expenses on IUL increase and bankrupt policies are nothing new. There's a shred of truth in the rising expenses argument, but it's overblown. It's the claim that always scared us about UL when we both worked for big mutual companies that hated universal life (of all kinds). And it wasn't until we sat down and did the math on an actual policy that we both realized the accurate data didn't support the claim. But IUL is not totally loss-free. There can be a zero crediting year and

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45:04

Sounding the Alarm on Sounding the Alarm on Indexed...

Insurance Pro Blog Podcast ·

2022/09/11

Recently, an article was published by Forbes Advisor that sounded the alarm on all of the supposed potential pitfalls of indexed universal life insurance. It was brought to our attention by a client and we were asked to comment on it. The contents of the article were of no great surprise to us. It is an all too familiar refrain of fearmongering and half-truths related to dire hypotheticals surrounding indexed universal life insurance. In today's episode, we take many of the points to task. If you

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45:02

De-Risk Your Portfolio with Whole Life Insurance

Insurance Pro Blog Podcast ·

2022/08/28

What happens when you plan ahead a little bit and choose to shift a portion of your portfolio to whole life insurance? More importantly, how does it influence your behavior with the rest of your money...the piece that's NOT allocated to whole life insurance? We've been beating the "income" drum for a long time now and we're doing it more. The point of retirement investing or asset accumulation for most people we talk with is to plan for the day they no longer have an earned income. When they decide

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29:02

Should You Buy Private Placement Life Insurance?

Insurance Pro Blog Podcast ·

2022/08/21

Every now and again, someone pops up with questions about "private placement life insurance". There's something about it that sounds really special. After all, it allows you to invest your life insurance cash value into hedge funds. That means you're a part of a super exclusive club. It may very well be something unique and different. But does that make it better than what you can buy from us? We think not and today we're discussing it. ________________________________ If you'd like some help

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38:05

Why People Keep Buying Bad Whole Life Insurance Policies

Insurance Pro Blog Podcast ·

2022/08/14

In a world where nearly unlimited resources exist (including this podcast) around the subject of whole life insurance and how what to expect from a policy with a good design, why are people still willingly buying bad whole life insurance policies? Not all whole life insurance is created equal. There are great distinctions between companies and products. And...there are key differences in how a policy can be designed depending upon what you are hoping to accomplish. If that discussion interests

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31:22

Why Are the Guarantees So Low?

Insurance Pro Blog Podcast ·

2022/08/07

Many of our potential clients have wrestled with universal life insurance illustrations and understanding some of the wording in parts. But more specifically, understanding why the guarantees are so low? In this week's episode we explain why it's actually a pro rather than a con, listen to the full episode. ______________________________ If you'd like to find out how we can help you get the right policy, whether it's whole life or indexed universal life, click right here to send us a message.

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36:30

Buy Whole Life Insurance for Retirement and Be Happy

Insurance Pro Blog Podcast ·

2022/07/31

Using whole life insurance to generate retirement income is a slightly advanced subject within the world of financial planning. Stock jockeys hate it, and life insurance agents love it. No surprise there. So, is there something that life insurance brings to the table that is truly special, or are you better off betting your chips on the market for a prosperous retirement? The market and other traditional investments are usually considered weapons of choice for generating retirement income, but

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34:05

Everything You Always Wanted to Know About Rate of...

Insurance Pro Blog Podcast ·

2022/07/24

Having been in the financial services industry since 2000, I’ve noticed that almost all investment product companies (mutual funds, ETFs, stock market indices, variable annuities, closed-end funds, REITs) love to cite their “average annual rate of return” figures which always inflate what the particular investment actually returned to its investors. And it really bothers me. 2+2 always equals 4...except on Wall St. This problem isn't complicated nor is it really nuanced in any particular way,(as the

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45:54

You Coulda Bought Whole Life Insurance But You Bought...

Insurance Pro Blog Podcast ·

2022/07/17

No Need To Buy Whole Life Insurance, Skip The Middleman... Today, we’re talking about the “scam” that has been perpetuated by life insurance companies for over a hundred years. I know, I can hear you saying to yourself, “which scam is that, there are so many to choose from”? Am I right? I'm talking about the supposed scam to sucker you out of the gains that you could be making. if you skipped life insurance and bought the investments that they put their money in—yourself. As you know, when you give

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33:54

Is Whole Life Insurance a Tax Shelter?

Insurance Pro Blog Podcast ·

2022/07/10

When you read or hear the words tax shelter it probably doesn’t conjure images of using whole life insurance. But whether or not whole life insurance is actually a tax shelter depends on how you define it more than anything. It’s not a tax shelter in any sort of the more shady ways that people discuss tax shelters. But it certainly does fit alongside something similar to a TSA (tax-sheltered annuity) in a more general sense. If you spend more than a few minutes cruising around ye olde world wide

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40:42

All the Expenses of Universal Life Insurance

Insurance Pro Blog Podcast ·

2022/06/26

Universal life insurance is characterized by its flexibility and transparency of expenses. Unlike whole life insurance, where expenses operate under the cloak of proprietary information, we can easily call up the expense breakdown of universal life insurance policies and see exactly where the money goes. For universal life insurance policies, expenses fall into four main categories: Premium load Policy Fee Per 1,000 Charge Cost of Insurance Variable universal life insurance policies will also

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34:44

You May Not Understand Rate of Return Like You Think...

Insurance Pro Blog Podcast ·

2022/06/19

Whole Life Insurance Rate of Return...It's Not What You Think Many of us in the financial planning industry like to argue the rate of return. Not necessarily us specifically. We learned years ago that it's mostly a colossal waste of time. But many of our colleagues enjoy gloating when their investment ideas produce impressive returns. When things turn in the other direction they tend to be a bit silent on the matter--perhaps they are busy searching for the next big idea? When two

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27:00

How Does Infinite Banking Fare During High Inflation?

Insurance Pro Blog Podcast ·

2022/06/12

Lately, we've seen a few people touting the whiz bangery of Infinite Banking used to combat high inflation. At first, we scratched our heads with genuine curiosity. As we explored the "supposed" benefits, we decided it was something we needed to address here in our podcast. Here are our thoughts... ------------------ If you'd like help with a cash value life insurance policy of your own, please reach out to us by clicking right here.

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32:27

You're Gonna Kick Yourself for Hating on Indexed...

Insurance Pro Blog Podcast ·

2022/06/06

Many contend that whole life insurance is safer than indexed universal life insurance because, with IUL, there is market exposure. We understand why many might believe that but we also believe it's false. Just because the interest earnings credited to an IUL policy are correlated to the movement in the market, doesn't mean that you are exposed to the market. In fact, we set out in today's episode to prove that because of the chance to achieve outsized returns with certain indexing options within

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37:40

Dividend Recognition is Going to Get Interesting

Insurance Pro Blog Podcast ·

2022/05/22

Dividend recognition dictates the policy a life insurance company has regarding what it does if a policyholder takes a loan out against their whole life policy. If the company practices non-direct recognition then it does not adjust the dividend in the event there is a loan against the policy. The company pays the exact same dividend rate to all policies regardless of the outstanding loan. If the company practices direct recognition, then the company makes an adjustment to the policy due to the

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35:33

Retiring in a Down Market

Insurance Pro Blog Podcast ·

2022/05/15

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32:27

Are Rising Interest Rates going to Make Life...

Insurance Pro Blog Podcast ·

2022/05/08

Interest rates are on the rise. Mortgage rates are up. Treasuries are at levels we haven't seen in a while. Inflation is top of mind, and the Fed will likely continue raising rates until lofty inflation rates cool down--inflation levels we haven't seen in a very long time. So with rising interest rates comes potentially rising loan interest rates on some whole life and universal life insurance policies. Will those rising loan rates spell trouble for policyholders? If you'd like to talk about

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42:30

Should You Cancel Your IRA to Buy Life Insurance?

Insurance Pro Blog Podcast ·

2022/05/02

There are life insurance agents, motivated by various marketing organizations, telling people that their taxes are going up. Way up.

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