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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

30:36

IUL Booms If Stocks Tank?

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

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 | Life Insurance and... ·

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 | Life Insurance and... ·

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 | Life Insurance and... ·

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 | Life Insurance and... ·

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 | Life Insurance and... ·

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 | Life Insurance and... ·

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 | Life Insurance and... ·

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 | Life Insurance and... ·

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 | Life Insurance and... ·

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 | Life Insurance and... ·

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 | Life Insurance and... ·

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 | Life Insurance and... ·

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 | Life Insurance and... ·

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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34:16

Five Problems that Annuities Address Perfectly

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

2024/08/18

In this episode, you'll discover how annuities can solve some of the most pressing concerns of retirees and those planning for retirement. You'll learn about five key issues that annuities are uniquely positioned to address: 1. Longevity: You'll understand how annuities can provide guaranteed income for life, eliminating the fear of outliving your savings. 2. Investment sophistication: You'll learn why annuities can be a smart choice for those who aren't comfortable navigating complex market

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34:57

Should Everyone Own an Annuity?

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

2024/08/11

In this episode, "Should Everyone Own an Annuity?", you'll dive into the often misunderstood world of annuities and explore whether they're a suitable financial tool for everyone. You'll learn about the different types of annuities, including immediate and deferred annuities, and how they function to provide guaranteed income. You'll discover: - The basics of fixed, variable, and indexed annuities - Why income is the primary reason most people purchase annuities - How annuities can protect against

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29:39

What Does and Does NOT Cause IUL Cap Rates to Go Down?

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

2024/08/04

Have you ever wondered what really drives changes in indexed universal life (IUL) insurance cap rates? This episode delves into the mechanics behind these complex financial products. You'll learn why company profitability isn't the main factor influencing cap rates, participation rates, and spreads in IUL policies. Instead, discover how market conditions, particularly interest rates and option pricing, are crucial in determining these features. We explain the differences between whole life and

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41:18

The Hidden Truths and False Promises of Infinite Banking

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

2024/07/28

In this episode, we're pulling back the curtain on a popular financial strategy that might not be all it's cracked up to be. Don't get us wrong – we're not saying Infinite Banking doesn't work. It does, in theory. But we're here to discuss why it might not be the golden ticket for everyone. We'll dive into those success stories you've probably heard – you know, the Walt Disneys and JC Penneys of the world. But here's the thing: how often do those once-in-a-lifetime opportunities really come knocking

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30:15

Whole Life Dividend Futures: What Investment Trends...

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

2024/07/21

In this episode, we dive into the intricate world of whole life insurance dividends and the investment trends that shape them. You'll learn why the recent rise in interest rates hasn't immediately translated to higher dividend payouts, and the factors behind this lag. You'll discover how we analyzed the five-year investment yield trends of ten major mutual life insurance companies and what these trends suggest about future dividend potential. We'll also explain why only three companies show a

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33:18

Why Do so Many Agents Struggle to Understand...

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

2024/07/14

In this episode, we explore the complexities and misconceptions surrounding one of the most versatile insurance products out there. Universal life insurance often gets a bad rap from agents who parrot outdated claims, but there's a deeper issue at play. The vast flexibility and customization options of universal life insurance make it both incredibly powerful and somewhat intimidating. We'll discuss why the learning curve for universal life insurance is steeper than for term or whole life policies

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198 results

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