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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

34:26

How to Beat Inflation With Tax-Free Income

Insurance Pro Blog Podcast ·

2024/06/02

Ever wonder how you can beat inflation with tax-free income? In this episode, your favorite hosts dive into the world of cash value life insurance and its powerful potential to generate tax-free income during retirement. We break down how cash value life insurance can serve as a hedge against inflation, especially when compared to tax-qualified sources where you need to "gross up" your withdrawals just to net the same amount of money. This means you end up depleting your asset pool faster. Join us

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35:47

All the Arguments Against Indexed Universal Life...

Insurance Pro Blog Podcast ·

2024/05/19

If you've bumped into the buzz that IULs are a bad bet, this episode is for you. We're going straight to the heart of the most common critiques. Rising costs? Let's talk about why that doesn't have to be the scare it's made out to be. The complexity of IULs? We'll break it down into plain speak. And those illustrated rates that seem too optimistic? We'll shed some light on what they really mean for your policy. We're here to have an honest conversation about what's been said about IULs and to give

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31:28

How Do You Actually Use Whole Life Insurance to...

Insurance Pro Blog Podcast ·

2024/05/12

Are you considering using your whole life insurance policy as a source of retirement income? While ledgers and assumptions made by agents can be misleading, the process of distributing money from a whole life policy is not as complicated as it may seem. In this episode, we'll dive into the practical aspects of using your whole life policy for retirement and help you navigate the potential stumbling blocks. First, let's talk about the assumptions that agents often make when presenting ledgers. They

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38:33

The New NEW DOL Fiduciary Rule

Insurance Pro Blog Podcast ·

2024/05/05

What's old is new again. The U.S. Department of Labor has revived its "Fiduciary" Rule after 7 years. This rule was originally discussed and proposed in 2015-2016. However, it was tabled after Trump was elected, and the DOL dropped it. The new rule is no less confusing than the original. Perhaps even more so. In today's episode we discuss some of the details as we understand them. More importantly, we opine about the absurdity of making rules to enforce ethical behavior. It just doesn't work and

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33:59

Whole Life is Winning the Fight Against the Bloggers

Insurance Pro Blog Podcast ·

2024/04/28

We started talking about whole life insurance on the internet way back in 2012. At the time, the popular sentiment among the ever-growing cadre of financial bloggers was to attach all types of cash value life insurance--including whole life insurance. It was as if they had ripped a page out of Dave Ramsey's playbook, and their arguments were as thin as a communion wafer. The incentive was clear. The bloggers were incentivized by advertisers that were largely in the "buy index funds and ETFs" because

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31:22

How Bad is the Actual Performance of an Indexed...

Insurance Pro Blog Podcast ·

2024/04/21

Are you curious about the actual performance of an Indexed Universal Life (IUL) policy? In this episode, we dive into the details of an IUL policy put in force 9 years ago and address the common arguments against IUL. You'll learn about the static interest rate assumptions used in IUL illustrations, the concerns about cap rates, and how this policy has performed over time. Despite the assumption of a 6.3% static index credit at inception and the cap rate falling from 12% to as low as 7.5%, the

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30:43

Don't Get Caught Up in This Life Insurance Scam

Insurance Pro Blog Podcast ·

2024/04/14

As long as we've been around in the life insurance business, we've seen scams. Some are subtlle and some not so much. The one we are discussing today is new (as far as we know) and represents the worst kind...the one that solely seeks to enrich the agents promoting it. ___________________ If you'd like to work with agents who will not take advantage of you or pitch you on some "pie in the sky" silliness, please click here to get in touch with us.

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34:24

Eliminate Investment Fees with Annuities

Insurance Pro Blog Podcast ·

2024/04/07

If you're tired of watching your hard-earned money disappear into the pockets of investment managers, this episode is a must-listen. You'll learn how many retirees unknowingly pay exorbitant fees for low-volatility investment strategies, particularly those heavily weighted toward fixed income. But what if there was a smarter, more secure alternative? Enter annuities: the unsung heroes of retirement income planning. Throughout this episode, you'll explore how annuities can provide a stable, less

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35:24

Life Insurance is Better With Bitcoin

Insurance Pro Blog Podcast ·

2024/03/31

It's time to get real about this crazy idea of mixing life insurance with bitcoin. In this no-holds-barred podcast episode, "Life Insurance is Better With Bitcoin," we'll pull back the curtain and show you why this scheme is about as secure as a sandcastle in a tsunami. Picture this: you've got an insurance company operating out of Bermuda, a place known for its relaxed attitude towards rules and regulations. It's like having a lifeguard who's more interested in working on their tan than watching

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33:37

We Were Right, Life Insurance Actually Works

Insurance Pro Blog Podcast ·

2024/03/24

In this eye-opening episode, you'll discover how cash value life insurance (whole life or indexed universal life) has proven to be a reliable and effective long-term financial strategy. With over a decade of experience and hundreds of satisfied clients, we share our insights on this approach's success. Join us as we delve into the reasons behind our confidence in cash value life insurance and why our clients continue to benefit from it. We'll discuss these policies' stability and growth potential

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31:37

More Income with Less Risk-Move Your Money to Whole...

Insurance Pro Blog Podcast ·

2024/03/17

Are you worried about market volatility eroding your hard-earned retirement savings? In this episode, we reveal a powerful strategy to help you protect your assets and generate reliable, tax-free income in retirement. Discover how strategically moving a portion of your portfolio into whole life insurance can provide guaranteed returns, minimize risk, and offer greater flexibility in your golden years. We'll walk you through two compelling scenarios that demonstrate the potential of this approach

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22:58

Can You Beat the Market with Indexed Universal Life...

Insurance Pro Blog Podcast ·

2024/03/10

Are you looking for a way to outperform the market with a risk profile similar to bonds? In this episode, we dive into the world of indexed universal life insurance and explore how its unique features, such as the zero percent floor and annual reset, can give you an edge during certain market periods. While we don't expect indexed universal life insurance to beat stock market indices consistently over the long term, it can be a compelling alternative to bonds and bond indices offered as ETFs or

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18:34

Should I wait to Buy Whole Life Insurance Until...

Insurance Pro Blog Podcast ·

2024/03/03

In this episode, we'll break down the advantages of whole life insurance that accrue over time, illustrating why the best time to buy might actually be now. We'll explain how a policy purchased today can grow and potentially yield higher dividends in the future, putting you in a better position as rates rise. You'll get an in-depth comparison through a case study that pits a whole life policy against a 20-year Treasury bond. We'll analyze the compound annual growth rate (CAGR) of both, taking into

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35:53

Why Simplifying Life Insurance is Failing

Insurance Pro Blog Podcast ·

2024/02/25

You might think that simplifying the purchase of life insurance would make it more accessible, but as you'll discover, this approach has led to a series of high-profile failures. From MetLife's kiosk experiment to the fall of Select Quote, we'll explore the reasons behind these missteps and the importance of expertise in this field. You'll learn why life insurance is not just another product to be sold through a quick online transaction. We'll discuss the complexities behind underwriting, the

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32:41

How to Create Tax Free Wealth with Tax Free Income

Insurance Pro Blog Podcast ·

2024/02/16

Unlock the secrets to building your wealth while keeping it away from the taxman in this eye-opening episode of our financial series! "How to Create Tax-Free Wealth with Tax-Free Income" is your personal guide to understanding how you can leverage a municipal bond portfolio to generate income that's not only stable but also tax-exempt. Dive deep into the world of finance as we walk you through the steps to funnel your muni bond earnings into a cash value life insurance policy. You'll discover how

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46:53

The Money Multiplier: Life Insurance as a Catalyst...

Insurance Pro Blog Podcast ·

2024/02/04

You've been told life insurance is there to protect your family financially upon your untimely departure, but that's barely scratching the surface. You're about to learn how these policies harbor a wealth of untapped potential that can serve as a powerful tool in your personal finance arsenal. Imagine unlocking a reservoir of tax-free cash that burgeons just in time for retirement, or a financial lifeline that's available precisely when you need it—no strings attached. Life insurance is not just a

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24:18

Vanguard Data Says You Should Buy Cash Value Life...

Insurance Pro Blog Podcast ·

2024/01/28

In this episode, we delve into the financial landscape and explore why cash value life insurance could be a smart move for your portfolio.Vanguard's recent forecasts suggest that U.S. equities are expected to return between 4-6%. While this might seem like a decent return, we'll discuss how you could potentially match or even exceed this with a cash value life insurance policy.Cash value life insurance is a type of permanent life insurance that not only provides a death benefit but also accumulates

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38:54

Recession Proof Returns: The Steady Appeal of Life...

Insurance Pro Blog Podcast ·

2024/01/21

We understand that navigating the path to a well-funded retirement portfolio can be challenging, especially when market fluctuations cause your account balance to swing wildly. This can be particularly distressing if the majority of your retirement assets are concentrated in one account, like a 401(k). But don't worry, we have a solution for you: Life Insurance. We'll explore how cash value life insurance, such as whole life and indexed universal life insurance, can provide steady year-over-year

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29:25

Lifespan Leverage-How Age Impacts Your Life Insurance...

Insurance Pro Blog Podcast ·

2024/01/14

You know that life insurance serves an important purpose, but did you realize it can also be part of your investment strategy? In this episode, you'll learn how your current age and stage of life can significantly impact how you leverage life insurance for investing. Whether you're young and looking to build cash value, middle-aged and want to supplement your retirement savings, or a senior exploring legacy planning, you'll discover how to tailor a policy to meet your needs. You'll hear

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33:56

De-Risking Whole Life Insurance with a New Twist

Insurance Pro Blog Podcast ·

2024/01/07

In this episode, we delve into the nuanced world of whole life insurance as a strategic component in retirement planning. You'll discover how diversification isn't just about spreading your investments; it's about balancing risk and return. We explore a compelling scenario where shifting funds from a traditional 401(k) to a whole life insurance policy could shape your financial future. It's not just about the accumulation of wealth, but also about how to protect and manage it against market

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193 results

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