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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

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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34:16

Five Problems that Annuities Address Perfectly

Insurance Pro Blog Podcast ·

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 ·

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 ·

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 ·

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 ·

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 ·

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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29:44

Whole Life Can Miss the Mark and Still Be Better

Insurance Pro Blog Podcast ·

2024/07/08

In this episode, we explore the impact of asset variability on retirement income. We discuss why the 4% withdrawal rule has proven effective despite assumptions of higher returns, and how market volatility affects sustainable withdrawal rates. You'll learn about the challenges of retirement income modeling, using examples from Monte Carlo simulations to illustrate how different asset allocations and withdrawal rates influence the probability of retirement savings lasting 30 years. We'll compare

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41:10

Whole Life Insurance Only Sucks When You Do It Wrong

Insurance Pro Blog Podcast ·

2024/06/30

In this episode, "Whole Life Insurance Only Sucks When You Do It Wrong," we explore common mistakes people make with whole life insurance policies and how to avoid them. From buying the wrong type of policy to mismanaging loans, we’ll share real-life examples and offer practical advice to help you make informed decisions. We'll discuss the importance of aligning your insurance policy with your financial goals, whether for cash accumulation or death benefit protection. Misunderstandings about

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36:50

The Dangerous Retirement Plan You're Probably Using

Insurance Pro Blog Podcast ·

2024/06/23

Today, we tackle a widespread but often misunderstood concept of retirement planning. Are you under the impression that time eliminates risk when it comes to your investments? Think again. In this engaging and informative episode, we break down why the common belief that "time in the market" reduces risk can lead to serious financial missteps, especially as you approach retirement. You'll learn about the pitfalls of relying solely on market returns and the dangers of assuming that staying invested

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36:53

Look At All The Money You Could Have In Whole Life...

Insurance Pro Blog Podcast ·

2024/06/16

In this episode of the Insurance Pro Blog Podcast, we’re diving into the surprising benefits of whole life insurance. Have you ever wondered how much money you could actually accumulate with a whole life insurance policy? We’ve got some eye-opening stories from our clients that show just how powerful these policies can be. Unlike the rollercoaster ride of the stock market, whole life insurance offers stability and a reliable financial foundation that can really make a difference, especially in

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33:21

Retire Richer with These Tax Free Income Strategies

Insurance Pro Blog Podcast ·

2024/06/09

Ready to retire richer? In this episode, we're back to build on last week's discussion about using tax-free income to beat inflation. We'll dive deep into cash value life insurance and other strategies that can help you achieve a financially secure retirement. We start by comparing a traditional retirement account growing at 8% annually with a $25,000 yearly contribution over 30 years. This brings the account balance to just over $3 million, providing a fully taxable income of $122,345 per year. But

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193 results

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