x

75% of people globally want unbiased news (Pew Research) but are concerned they're not getting that.

Get balanced coverage with Symby. See how stories are covered across diverse outlets and spot when one side covers a story the other skips.

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.

business investing

All Episodes

33:06

Retirees Need Annuities

Insurance Pro Blog Podcast ·

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

en

39:25

Life Insurance as Your Secret Retirement Risk...

Insurance Pro Blog Podcast ·

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

en

29:40

Overfunding Policies for Wealth Building

Insurance Pro Blog Podcast ·

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

en

32:27

Double Your Retirement Income

Insurance Pro Blog Podcast ·

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

en

34:58

Income vs. Account Balance Retirement

Insurance Pro Blog Podcast ·

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

en

27:57

Indexed Universal Life and Its Reset Magic During...

Insurance Pro Blog Podcast ·

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

en

28:09

Guaranteed Income in Uncertain Times

Insurance Pro Blog Podcast ·

2025/04/20

In this episode of the Insurance Pro Blog Podcast, hosts Brandon Roberts and Brantley Whitley dive into the resilience of the life insurance industry during periods of market volatility and geopolitical tension. You'll learn why life insurance companies remain stable even when other financial sectors struggle, and how they've weathered previous economic storms like the dot-com bubble, the 2008 collapse, and the COVID pandemic. We explore the different categories of annuities available and explain

en

31:35

Life Insurance: The Ultimate Market Buffer

Insurance Pro Blog Podcast ·

2025/04/13

Life Insurance: The Ultimate Market Buffer When market volatility strikes, your retirement plans can take an unexpected hit. In this episode, we discuss how life insurance serves as a non-correlated asset during uncertain economic times. We explore why diversification outside traditional market investments matters, especially for those approaching retirement. We break down the real psychology behind panic selling and why data alone often fails to prevent emotional financial decisions. We examine how

en

33:43

Bad Ideas with Life Insurance

Insurance Pro Blog Podcast ·

2025/04/06

In this episode, we dive into problematic life insurance schemes that have led to lawsuits. We examine how premium financing - originally designed for high net worth individuals seeking death benefits - was repurposed as a risky retirement strategy for people who didn't need it. You'll learn about a recent lawsuit involving complex tax schemes paired with premium financing that left clients with massive loan balances, inadequate collateral, and IRS penalties. We break down the warning signs of these

en

34:13

Whole Life's Unbeatable Tax Advantages

Insurance Pro Blog Podcast ·

2025/03/30

In this episode, you'll learn about the tax advantages of whole life insurance that make it a powerful financial tool. Discover how whole life insurance offers tax-deferred growth, tax-free access to cash value, and income tax-free death benefits without complex financial maneuvers. Explore how these features compare to other investment options like Roth IRAs and 401(k)s, and why combining these benefits in one product creates unique advantages for retirement planning. Learn about using whole life

en

28:55

Tapping Your Policy for Retirement Income

Insurance Pro Blog Podcast ·

2025/03/23

In this episode, we tackle a common question: Can you really use life insurance cash value for retirement income? We explore how permanent life insurance policies can provide a stable income source that isn't subject to market volatility. You'll learn the practical differences between withdrawals and loans from your policy and why most retirees don't use a static withdrawal strategy. We discuss realistic withdrawal rates (around 5% for whole life and 6% for indexed universal life) and how this

en

31:46

Is Whole Life Insurance a Good Hedge Against Tariffs?

Insurance Pro Blog Podcast ·

2025/03/16

Are you wondering how to protect your assets during economic volatility? In this episode, we explore whether whole life insurance and other cash value life insurance products can serve as effective hedges against tariffs and market turbulence. We discuss three key benefits these insurance products offer during volatile times: stable retirement income that isn't affected by market downturns, emergency fund access without tax penalties, and potential opportunities to capitalize on depressed asset

en

33:26

Whole Life's True Performance Revealed

Insurance Pro Blog Podcast ·

2025/03/09

You've heard the claims about whole life insurance, but what's the reality? In this episode, we dive into the actual performance data from our book of business spanning over 10 years. We reveal that whole life policies have averaged a 5% year-over-year growth in cash value. We explain why whole life insurance performance often exceeds expectations as policies age. You'll learn about the factors that influence returns, including policy design, premium amount, and funding duration. We also compare

en

31:49

Real IUL Returns Revealed

Insurance Pro Blog Podcast ·

2025/03/02

You're about to discover what really happens with indexed universal life insurance policies based on actual data, not hypotheticals. The average index credit across our database of IUL policies is 7.93% - significantly higher than the 5.25-6% assumptions typically used when modeling these products. This episode breaks down how IUL policies have performed in the real world, including older policies with different cap rates and floor structures. You'll learn why the timing of interest payments matters

en

39:08

Rethinking Retirement Math

Insurance Pro Blog Podcast ·

2025/02/23

You may believe that stocks are the only path to retirement success, but this episode challenges that conventional wisdom. We explore why whole life insurance might produce similar retirement income despite lower apparent returns and why managing risk becomes even more crucial when you're likely to fall short of traditional retirement targets. We show a realistic example of saving $15,000 annually over 20 years, comparing returns from stocks versus whole life insurance. The math might surprise you

en

35:54

When Expensive Beats Cheap

Insurance Pro Blog Podcast ·

2025/02/16

Discover why focusing solely on low-cost investing might not be the best strategy for your financial future. Learn how combining traditional investments with alternatives like whole life insurance can create a more stable retirement income, even if the expenses are higher. Find out why some financially successful people choose to pay more for certain investment vehicles and how this approach can actually lead to better outcomes. Understand the real impact of market volatility on retirement planning

en

35:20

The Real Reason People Don’t Own Whole Life Insurance

Insurance Pro Blog Podcast ·

2025/02/09

In this episode, we explore the core reason why many people don't own whole life insurance—and it's not what you might think. You'll learn how affordability plays a unique role, not just in terms of premium payments but also in reaching a financial position where whole life insurance makes strategic sense. We compare two retirement planning approaches: continuing to maximize 401(k) contributions and diversifying into whole life insurance. Through practical examples, you'll understand how each

en

32:13

The First Five Years of Retirement: Why 70% of...

Insurance Pro Blog Podcast ·

2025/02/02

In this episode, we explore why the first five years of retirement are critical to your long-term financial security. We examine research showing how sequence of returns risk can dramatically impact your retirement outcomes, regardless of your savings rate or investment strategy. Your portfolio's performance during two key periods - the last 15 years of accumulation and the first 10 years of retirement - explains over 70% of your retirement success. Learn why traditional financial planning models

en

29:00

The $17,000 Solution: Rethinking Traditional...

Insurance Pro Blog Podcast ·

2025/01/26

In this episode, you'll learn how combining annuities with traditional market investments can boost your retirement income by $17,000 annually. Using a real case study of a 60-year-old with $1 million in retirement savings, we break down how splitting assets between an annuity and market investments not only increases total income but also provides guaranteed monthly payments to cover basic expenses. You'll discover why annuities aren't just for conservative investors, how to use them strategically

en

32:57

Why Annuities Make Sense: A Deep Dive into Retirement...

Insurance Pro Blog Podcast ·

2025/01/19

In this episode, you'll learn how annuities can play a crucial role in creating reliable retirement income. We explore why the traditional advice of "just take more risk" when your retirement savings fall short may not be the best approach for generating the income you need. You'll understand how market volatility affects retirement withdrawals and why protecting your income matters more than chasing higher returns. We also explain the practical differences between selling assets for income and

en

184 results

Similar Podcasts

TaxTalent.com The Golden Rule Podcast

Adam Golden

TaxTalent.com Podcast

Tony Santiago

Handelsblatt Crime - spannende Streitfälle der deutschen Wirtschaft

Ina Karabasz, Solveig Gode, Sönke Iwersen

Deffner und Zschäpitz – Der Wirtschafts-Talk von WELT

WELT

Black Box - La scatola nera della finanza

Guido Brera e Gian Luca Comandini -...