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PODCAST

Insurance Pro Blog Podcast | Life Insurance and Annuity Insights

Brandon Roberts & Brantley Whitley | Life Insurance Experts

Each week, we break down how cash value life insurance and fixed annuities actually work — with real numbers, real policy data, and honest analysis. Whether you"re exploring whole life insurance, considering a MYGA or fixed indexed annuity, or building a retirement income plan, we explain what matters and what doesn"t. No hype, no sales pitch — just clear thinking about products most people find confusing. Published by TheInsuranceProBlog.com, the web"s most comprehensive independent resource on

business investing

All Episodes

35:14

Rethinking Whole Life Insurance Safety

Insurance Pro Blog Podcast | Life Insurance and... ·

2025/09/21

You've probably heard that whole life insurance is the "safe" choice while indexed universal life insurance is "risky" and volatile. This episode challenges that conventional wisdom with actual data and real-world examples. We break down why this oversimplified risk-reward framework misses important details about how these products actually perform over time. We compare a 40-year-old funding either policy with $25,000 annually until age 65, then taking income for life. You'll discover that indexed

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36:15

Premium Financing: Not the Magic Solution

Insurance Pro Blog Podcast | Life Insurance and... ·

2025/09/14

You've probably heard premium financing pitched as a smart way to buy large life insurance policies without the hefty upfront costs. In this episode, we break down why this strategy often leads to expensive disappointments and mounting lawsuits. We examine recent court cases that show how premium financing arrangements can spiral out of control when interest rates change and cash values don't perform as promised. We explain how premium financing actually works - borrowing money from specialized

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30:18

IUL Index Allocation Strategies Analyzed

Insurance Pro Blog Podcast | Life Insurance and... ·

2025/09/07

If you own indexed universal life insurance or you're considering buying it, you've probably looked at all the index options and wondered which one to choose. In this episode, we dive deep into the data to answer that question with empirical analysis rather than guesswork. We examine the two most common index options available across IUL contracts: the traditional S&P 500 annual reset with a cap and the uncapped strategy with a spread. Using 20 years of market data, we test different allocation

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31:02

Why Life Insurance Expenses Don't Matter

Insurance Pro Blog Podcast | Life Insurance and... ·

2025/08/24

Are you obsessing over life insurance expenses and expense ratios? You might be focusing on the wrong thing. In this episode, we explain why expenses in life insurance policies matter far less than you think. We break down the difference between expense ratios and load fees, and why neither should be your primary concern when evaluating life insurance. You'll learn why the most successful buyers focus on outcomes rather than costs. We also reveal what the typical expense ratio actually is for

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35:19

Can AI Replace Life Insurance Agents?

Insurance Pro Blog Podcast | Life Insurance and... ·

2025/08/17

Are you wondering if AI will make insurance agents obsolete? We put artificial intelligence to the test with four real-world insurance scenarios to see if it could handle the job. From simple term life quotes to complex cash value life insurance strategies, we wanted to know if AI could truly replace human expertise. You'll discover how AI performed when we asked it to quote term life insurance for a 35-year-old male needing $1 million in coverage. We also tested its ability to analyze indexed

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30:21

Term vs Whole Life: Wrong Question

Insurance Pro Blog Podcast | Life Insurance and... ·

2025/08/10

You've probably heard the debate about whether term or whole life insurance is "better" and wondered which side is right. In this episode, we explain why you're asking the wrong question entirely. Comparing these two types of insurance based on premium alone will lead you to the wrong conclusion every time. We'll show you why term and whole life insurance are designed for completely different purposes. Term insurance efficiently protects against lost wages if you die prematurely. It's temporary,

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30:54

Life Insurance is Popular Now

Insurance Pro Blog Podcast | Life Insurance and... ·

2025/08/03

You'll discover why life insurance is experiencing remarkable growth in 2025, with industry-wide sales up 8% year over year. We break down the latest statistics from LIMRA showing which types of life insurance are leading the charge, including indexed universal life at 11% growth and variable universal life with an impressive 41% increase. You'll learn how the pandemic accelerated long-overdue modernization in the insurance industry, making it easier than ever to purchase coverage remotely. We

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31:27

Are Volatility Controlled Indices Worth It?

Insurance Pro Blog Podcast | Life Insurance and... ·

2025/07/27

Are volatility controlled indices (VCIs) just another insurance industry gimmick, or do they actually benefit you as a policyholder? In this episode, we break down these increasingly popular index options found in indexed universal life insurance and indexed annuities. You'll discover what VCIs are, why insurance companies love them, and whether they're worth your consideration. We explain how VCIs work by automatically shifting between stocks and bonds based on market volatility. When volatility

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36:09

2025 Whole Life Insurance Company Review

Insurance Pro Blog Podcast | Life Insurance and... ·

2025/07/20

Looking for the right whole life insurance company in 2025? We break down the major players in the participating whole life insurance market and discuss what makes each one unique. You'll learn which companies excel at cash accumulation and which ones focus more on providing affordable permanent death benefits. We cover over a dozen companies including Guardian, MassMutual, Northwestern Mutual, New York Life, Penn Mutual, and more. You'll discover why some companies are easier to work with than

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30:34

Whole Life Insurance Design Options

Insurance Pro Blog Podcast | Life Insurance and... ·

2025/07/13

You face a critical decision when designing whole life insurance: optimizing for death benefit or maximizing cash value accumulation. These two objectives sit on opposite ends of the spectrum, and trying to balance them often means you don't accomplish either goal effectively. We break down the fundamental trade-offs you need to understand before purchasing a policy. If you want permanent death benefit at the lowest possible cost, you'll sacrifice cash value growth in the early years. If you're

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33:43

Life Insurance MEC Myths Debunked

Insurance Pro Blog Podcast | Life Insurance and... ·

2025/07/06

You've probably heard about Modified Endowment Contracts (MECs) and wondered what all the fuss is about. Many people fear creating a MEC with their life insurance policy, but they don't really understand what it means or how it happens. In this episode, we break down the history behind MECs and why they were created in the first place. You'll learn how universal life insurance in the 1970s and 80s led to tax shelter abuses that prompted Congress to establish new rules. We explain exactly what

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29:16

Bad Years Don't Destroy IUL

Insurance Pro Blog Podcast | Life Insurance and... ·

2025/06/29

You've probably heard criticism about index universal life insurance and its overly optimistic projections. We tackle this head-on by examining what really happens when your IUL policy doesn't perform as expected in those crucial early years. We break down three realistic scenarios using actual numbers and assumptions. You'll see how a policy performs under our base case projection, what happens during 15 consecutive bad years at the start, and how things play out when good years come first,

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34:05

Unlocking Generational Wealth-Whole Life Insurance...

Insurance Pro Blog Podcast | Life Insurance and... ·

2025/06/22

Are you tired of hearing the same old debate about term versus whole life insurance? In this episode, we cut through the noise and reveal why whole life insurance might be the wealth preservation tool you've been overlooking. We explore how successful business owners and high earners use life insurance to protect their assets from market volatility and create guaranteed growth. You'll discover why comparing term and whole life insurance on cost alone is like comparing a Honda to a

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49:08

Infinite Banking: Strategy or Sales Gimmick?

Insurance Pro Blog Podcast | Life Insurance and... ·

2025/06/15

In this episode, we dive deep into infinite banking to answer the burning question: is it a legitimate financial strategy or just a clever way to sell whole life insurance? You'll discover what infinite banking actually is, how it works, and why it's become such a polarizing topic in the financial world. We break down the good aspects of infinite banking, including how whole life insurance can serve as a safe wealth-building tool with unique liquidity features. You'll learn why business owners often

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33:06

Retirees Need Annuities

Insurance Pro Blog Podcast | Life Insurance and... ·

2025/06/08

Modern retirement is facing a critical challenge. While baby boomers have largely avoided financial disaster, their success relies heavily on pensions – a benefit that's rapidly disappearing. You'll discover why the next generation of retirees faces a fundamentally different landscape. We dive into the stark numbers behind retirement funding. Pension plans hold $17 trillion compared to just $9 trillion in 401(k)s, despite covering far fewer people. You'll understand why this massive gap exists and

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39:25

Life Insurance as Your Secret Retirement Risk...

Insurance Pro Blog Podcast | Life Insurance and... ·

2025/06/01

Planning for retirement involves more than just saving money in a 401(k). Your retirement "portfolio" includes all the assets that will support you when you stop working - from investment accounts to real estate to part-time income. But these assets face serious risks that could derail your retirement plans. In this episode, we explain how life insurance acts as a powerful shield against seven major threats to your retirement security, providing guaranteed protection when other investments might

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29:40

Overfunding Policies for Wealth Building

Insurance Pro Blog Podcast | Life Insurance and... ·

2025/05/18

Life insurers are asset managers with a primary focus on growing your relatively small premium dollars into a significant death benefit. They invest prudently to protect themselves from loss when it's time to pay claims. Over many years, this conservative approach to growing assets can work to your advantage. When you put an "overfunded" policy in force, you capitalize on the insurance company's incentive to grow value from the dollars it collects. Since losing money would hurt their financial

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32:27

Double Your Retirement Income

Insurance Pro Blog Podcast | Life Insurance and... ·

2025/05/11

Ever wonder if Americans truly believe stocks are the best way to save for retirement? In this episode, we examine surprising survey data that challenges common investment industry assumptions. We explore where Americans prefer to put their long-term savings and why many avoid the stock market altogether. We examine why financial freedom isn't necessarily about account balances but rather about generating sufficient passive income. Looking at both traditional investment approaches and income-focused

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34:58

Income vs. Account Balance Retirement

Insurance Pro Blog Podcast | Life Insurance and... ·

2025/05/04

Do you believe stocks are the best investment for retirement? Our data might surprise you. Recent surveys show only 27% of Americans prefer stocks for long-term savings, with real estate and cash following closely at 24% and 21%, respectively. We explore why many Americans avoid the stock market, citing volatility, intimidation, and beliefs that the system is rigged. These attitudes challenge the financial industry's stance that market investing is essential for retirement success. We discuss a

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27:57

Indexed Universal Life and Its Reset Magic During...

Insurance Pro Blog Podcast | Life Insurance and... ·

2025/04/27

Wonder how your IUL policy behaves during market volatility? In this episode, we unpack how Indexed Universal Life insurance performs in today's unpredictable market conditions. You'll discover why IUL isn't actually buying market exposure and how it creates a unique value proposition during economic downturns. Learn about the annual reset feature that prevents you from having to recover losses before moving forward. This reset magic means your policy can take advantage of market rebounds without

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198 results

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