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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

34:22

The Truth About Building a Million Dollar Retirement

Insurance Pro Blog Podcast ·

2025/01/12

Join us as we break down what it really takes to build a $1 million retirement fund using IUL (Indexed Universal Life Insurance) versus traditional market investing. We explore how saving $17,852 annually over 25 years can lead to different outcomes depending on your chosen strategy. Through practical examples, we'll show you why account balances don't tell the whole story and help you understand how IUL's unique features - tax efficiency, low volatility, and flexibility - compare to market

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32:56

Dynamic Retirement Income Planning and IUL

Insurance Pro Blog Podcast ·

2025/01/05

Join us as we explore how Indexed Universal Life (IUL) insurance can support a dynamic approach to retirement income planning. We examine why treating retirement income as a static number often doesn't match reality. Using real examples, we break down different withdrawal scenarios—from steady increases to accommodate inflation to varying distributions that match the traditional "retirement smile" spending pattern. You'll learn how a $1 million IUL policy can potentially support changing income

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36:24

It’s a Great Time to Buy Whole Life Insurance

Insurance Pro Blog Podcast ·

2024/12/29

In this episode, we explore how recent innovations in whole life insurance have created more flexible and powerful policies than ever before. We discuss how modern whole life insurance differs from older policies, particularly in terms of premium flexibility and cash value accumulation. You'll learn how today's policies offer features that address common concerns like premium commitments and cash value access while maintaining the core benefits that make whole life insurance valuable. We also

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37:07

Your Pursuit of Millionaire Status will be your Downfall

Insurance Pro Blog Podcast ·

2024/12/22

In this episode, we challenge the common obsession with reaching a seven-figure net worth and explain why focusing solely on accumulating wealth might be counterproductive to your financial well-being. We explore a different approach to financial independence, one that emphasizes generating reliable income streams rather than building a large portfolio balance. This income-focused strategy can provide more security and peace of mind than traditional wealth accumulation methods. Join us as we share

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29:48

The Final End of the Pension...Maybe

Insurance Pro Blog Podcast ·

2024/12/15

In this episode, we explore Kodak's surprising decision to terminate its well-funded pension plan, which has created a $585 million surplus. We discuss why private pensions like Kodak's tend to be better funded than public ones and what this termination means for current pension holders. We break down your options when facing pension changes, from taking guaranteed monthly payments to rolling over lump sums into annuities. With today's higher interest rates, we explain why the landscape for

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33:58

The 401k Fallacy

Insurance Pro Blog Podcast ·

2024/12/08

In this episode, we examine surprising research about how retirees actually use their 401(k)s for retirement income. We share data from a recent study showing that only a small percentage of retirees rely on their 401(k)s and IRAs for significant income, despite decades of marketing suggesting these would be primary retirement vehicles. You'll learn why Social Security and pensions remain critical income sources for most retirees, and we explore why the shift from pensions to 401(k)s may not have

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30:36

IUL Booms If Stocks Tank?

Insurance Pro Blog Podcast ·

2024/12/01

In this episode, we explore how Indexed Universal Life Insurance (IUL) might perform in a potentially lower-return market environment. We discuss why IUL products could actually thrive during market downturns, especially in a high interest rate environment, and explain how their fixed account options provide additional flexibility. You'll learn about the key differences between static growth in whole life insurance versus the more dynamic potential of IUL policies. We break down how IUL's underlying

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31:50

Stocks Down, Whole Life Insurance UP?

Insurance Pro Blog Podcast ·

2024/11/24

In this episode, we examine some interesting predictions from Wall Street about the stock market's next decade. Several major firms suggest we might see much lower returns than we've grown accustomed to—possibly just 3% annually for the S&P 500. We explain why market concentration in just a handful of big tech companies might lead to this outcome and how the treasury market tells an interesting story about inflation and interest rates. You'll understand why traditional investment approaches like

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38:41

Why Whole Life Insurance Will Win

Insurance Pro Blog Podcast ·

2024/11/17

In this episode, we explore why whole life insurance remains a reliable financial tool despite market trends and flashy investment alternatives. We examine how conservative saving strategies often outperform risky investments over time and discuss why disciplined savers consistently build lasting wealth. You'll learn why whole life insurance serves as a cornerstone for financial stability, offering guaranteed growth, tax advantages, and accessible cash value when you need it most. Join us as we

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31:52

You are NOT Going to Get Rich Buying Indexed...

Insurance Pro Blog Podcast ·

2024/11/10

In this episode, we tackle the trending claims about Indexed Universal Life Insurance (IUL) as a path to wealth. We discuss why IUL isn't a get-rich-quick scheme and explain its actual purpose as a conservative financial tool. You'll learn about IUL's real performance compared to whole life insurance and the stock market. Understand its role in tax diversification, and discover when it might make sense as part of your financial strategy. If you've seen social media posts promising incredible returns

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34:16

Things You Never Hear the Internet Say About Annuities

Insurance Pro Blog Podcast ·

2024/11/03

We reveal five surprising truths about annuities that you rarely hear discussed online. Drawing on our decades of experience in financial services, we share why people actually embrace annuities when they understand their real benefits. We examine how annuities can provide tax-free income when paired with a Roth IRA, which typically criticizes annuities and their motivations. We'll discuss the real story about fees and explore the stability of insurance companies. Join us as we separate fact from

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43:49

Things You Never Hear the Internet Say About Whole...

Insurance Pro Blog Podcast ·

2024/10/27

Join us as we explore the often-misunderstood world of whole life insurance, challenging common internet criticisms with practical insights. We'll unpack why the "bad investment" argument oversimplifies a complex financial tool. You'll discover how whole life's built-in safety features can actually protect your financial future, and why its steady popularity might tell us something important about its real-world value. We dive into the numbers behind its widespread use. We examine why certain

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28:51

The Future of Whole Life Insurance is Bright

Insurance Pro Blog Podcast ·

2024/10/13

In this episode, we explore why the future of whole life insurance looks promising. We discuss how rising interest rates are positively impacting whole life insurance dividends and cash value growth. We break down the mechanics of how insurance companies invest premiums and how this affects policy performance over time. You'll learn about recent dividend increases and their significant impact on long-term policy projections. We also touch on how technological advancements are helping insurance

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29:23

How to Retire Using Whole Life Insurance

Insurance Pro Blog Podcast ·

2024/10/06

In this episode, we explore how you can use whole life insurance as a retirement tool. We dive into the mechanics of leveraging your policy's cash value for income in retirement, discussing both withdrawals and loans. We break down the differences between direct and non-direct recognition policies and their impact on your retirement strategy. We also address common questions about outstanding loans and their implications for your policy. Finally, we highlight the tax advantages of using whole life

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32:57

Indexed Universal Life Insurance Continues to Be a...

Insurance Pro Blog Podcast ·

2024/09/29

In this episode, we discuss the ongoing debate surrounding Indexed Universal Life (IUL) insurance. We address recent criticisms of IUL, including claims about its complexity and suitability for consumers. You'll hear our perspective on why many of these criticisms may be overblown or misplaced. We break down a recent court case involving IUL and premium financing, explaining why we believe this case reflects more on the misuse of premium financing than on IUL itself. We also discuss the relatively

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34:30

Are You Buying Too Much Death Benefit?

Insurance Pro Blog Podcast ·

2024/09/22

Ever wondered if you're buying too much life insurance? In this episode, we challenge traditional methods for calculating how much coverage you need. We'll reveal why common approaches often leave you confused and resistant to purchasing adequate protection. You'll discover our fresh, practical method for determining the right amount of life insurance. We break down how to focus on generating income for your family rather than fixating on a lump sum. Through a clear example, we'll show you how this

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32:37

The Income Play With Indexed Universal Life Insurance

Insurance Pro Blog Podcast ·

2024/09/15

In this episode, we explore how indexed universal life (IUL) insurance can serve as a powerful income play for your retirement planning. We dive into the mechanics of IUL, comparing it to whole life insurance and explaining why it offers potentially higher returns with a wider range of outcomes. You'll learn about the unique features of IUL that make it an attractive option for generating retirement income. We discuss how IUL provides upside potential without the downside risk typically associated

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29:01

Buying Whole Life Insurance Is An Income Play

Insurance Pro Blog Podcast ·

2024/09/08

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 stability and predictability of whole life returns. You'll learn about "yield to cost" and how it can exceed 8% with whole life insurance. We are challenging

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38:36

Annihilating the Top Five Arguments Against Whole...

Insurance Pro Blog Podcast ·

2024/09/01

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 get me started on the "lack of flexibility" myth - we'll show you how liquid these policies can be. Think whole life is too complex for mere mortals to

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57:50

Interview with Steve Selengut-How to Use Closed End...

Insurance Pro Blog Podcast ·

2024/08/25

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 required to pay out 95% of their earnings to shareholders - How leverage works in closed-end funds and why it's not as risky as you might think - The

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184 results

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