Podcasts about iul

The fastest way to look “successful” is to finance the image. The fastest way to get free is to let the math lead. We sit down with Daniel Alonzo—author, coach, and host of Wealth on the Beach—to unpack why indexed universal life policies keep trending online despite their hidden costs, confusing mechanics, and disappointing outcomes. Daniel's take is direct: buy pure protection with term, then invest the difference in simple, diversified vehicles you actually understand.We dig into the real numbers behind cash value life insurance: rising internal costs, long surrender periods, and how policies can quietly cannibalize their own cash value over time. Daniel dismantles the familiar pitch—tax-free loans, “upside without downside,” Rockefeller and Disney stories—and explains why those analogies don't fit most families. He lays out practical alternatives: maximize affordable coverage to protect income and debts, then use low-cost index funds or broad-market ETFs to let compounding do the heavy lifting. We share client cases that reveal the pitfalls of opaque fees and what better looks like when you separate insurance from investing.Beyond products, this is a blueprint for freedom. Daniel defines success as control of your time—ownership you can pass on, systems that pay without your constant presence, and the flexibility to choose work because you love it. We talk legacy, transferable businesses, and the mindset shift from “optics” to outcomes. If you're already in an IUL, Daniel offers a calm, step-by-step path to evaluate, compare, and correct with numbers, not noise.If you're ready to trade glossy marketing for clear math, hit play. Then subscribe, share this with someone who's considering a complex policy, and leave a review telling us the biggest money myth you've let go of.Join the What if it Did Work movement on FacebookGet the Book!www.omarmedrano.comwww.calendly.com/omarmedrano/15min

Premium financing life insurance for estate planning is one of those strategies that sounds impressive—and sometimes is. But for most families, it introduces more complexity and risk than benefit. https://www.youtube.com/live/8Dav7pQVOrc At The Money Advantage, we don't lead with premium financing, and we rarely recommend it. But in a recent conversation with a client facing an eight-figure estate tax liability, the question came up: “Is there a way to fund a large life insurance policy without disrupting my investment portfolio or using my own capital?” That opened the door to a serious conversation about premium financing—what it is, who it's for, and where it can go wrong. If you've ever wondered about this strategy—or had it pitched to you without the full picture—this breakdown is for you. Let's take an honest look. When Premium Financing Life Insurance Might Make SenseWhat Is Premium Financing Life Insurance?When Does Premium Financing Make Sense?1. You Have Estate Tax Exposure2. You Want to Preserve Liquidity3. You Have the Right Collateral4. You Have the Cash Flow or Exit StrategyWhy Some Premium Financing Strategies FailThe Right Way to Structure Premium FinancingOur Perspective: Leverage Is a Gift—If You Steward It WellRe-Summarizing the Big PictureWant to Learn More? Listen to the Full Podcast EpisodeBook A Strategy CallFAQ: What to Know About Premium Financing Life Insurance for Estate PlanningWhat is premium financing life insurance?Who is premium financing best for?Is premium financing life insurance risky?What types of life insurance are used in premium financing?How is the loan repaid in premium financing?Can premium financing be used with Infinite Banking?Does premium financing impact estate planning? When Premium Financing Life Insurance Might Make Sense While it's not our go-to recommendation, premium financing can be useful for a small subset of high-net-worth individuals—if it's thoughtfully structured, clearly understood, and fully aligned with legacy goals. In rare cases, it allows a bank to fund large insurance premiums while the client preserves liquidity and keeps other investments in play. Here's when it may be worth considering: You have a $10M+ net worth You face substantial estate tax exposure You want to avoid liquidating investments or business assets You can post strong collateral And you have a clear, realistic repayment strategy Used responsibly, premium financing can provide leveraged protection without draining capital. Still, this isn't about chasing leverage. It's about stewardship. And for 99% of families, we'd guide them to simpler, more stable solutions. What Is Premium Financing Life Insurance? At its core, premium financing is when you use a third-party loan (usually from a bank) to pay the premiums on a permanent life insurance policy—typically a large whole life or indexed universal life (IUL) policy. Here's the simplified flow: You apply for a large life insurance policy. A lender agrees to loan you the premiums (often millions of dollars). You pledge collateral—often the policy's cash value and/or outside assets. The policy grows, the lender is repaid over time or at death, and your heirs receive the net death benefit. It's using leverage—other people's money—to fund a necessary part of your estate planning strategy. But here's the key: You have to be strategic. We've seen it done well… and we've seen it go terribly wrong. When Does Premium Financing Make Sense? Let's be crystal clear: Premium financing is NOT for everyone. This is a strategy for high-net-worth individuals, often with $5M, $10M, $25M+ in net worth. Here are the key indicators that premium financing might be a fit: 1. You Have Estate Tax Exposure The estate tax exemption is in flux—and could be cut in half. If you're planning to leave more than $6–12 million in assets per individual,

When someone asks you about the average rate of return for indexed universal life insurance, you'll discover that average is actually a meaningless number. You need to understand the probability of hitting specific rates of return to make accurate projections about what might happen with your IUL policy. In this episode, we analyze 40 years of S&P 500 data using rolling periods from 1930 through 2024 to determine real probability outcomes for IUL policies. You'll learn how different cap rates, floor rates, participation rates, and spreads affect your expected returns. We examine scenarios ranging from 10.5% to 11.5% cap rates with various floor options to show you the trade-offs between guaranteed minimums and upside potential. You'll discover that removing floors in favor of higher caps generally produces better results, with probabilities showing an 86% chance of 7% net returns under certain conditions. We also explore newer IUL structures using participation rates and spreads rather than caps, revealing that 70% participation rates can deliver a 96% probability of 9% returns over 40 years. The analysis includes net rate of return calculations that account for fees, not just index credits. You'll understand why IUL serves as an enhanced fixed savings strategy rather than true market exposure. We compare these results to actual S&P 500 performance and explain how IUL can function as a de-risking component in your portfolio. _____________________ Ready to explore how IUL might fit into your financial strategy? Contact us to discuss your specific situation and learn more about indexed universal life insurance options.

In order to navigate complex wealth, Indexed Universal Life (IUL) products could empower high-net-worth families. Discover insights on legacy, philanthropy, and future-proofing your wealth in an ever-evolving landscape as Howie Lim speaks to Christopher Albrecht, CEO of Sun Life Singapore for insights. This episode is produced in collaboration with Sun Life. Highlights: 00:55 Understanding Indexed Universal Life (IUL) products 02:16 Complex legacy planning and wealth transfer needs 06:30 Peace of mind and flexibility in business succession plans 07:38 IUL solutions and their impact on liquidity and tax burdens 10:42 Evolution of IUL products and future trends in wealth planning 12:47 Unify its HNW business for competitive advantage More about: Sun Life Singapore SunBrilliance Indexed Universal Life II SunBrilliance Indexed Savings Important information: The contents of this interview are derived from various sources obtained electronically, for convenience and information purposes only. It is not catered for any particular person or entity, may not represent the views of the general market or industry, and do not constitute financial, legal, tax or other advice. While Sun Life believes that the contents of this interview are true and correct as at the time it is broadcast, Sun Life has no obligation to update you of any contents of this interview which may subsequently change, and Sun Life is not responsible for any loss or detriment that results from a sole reliance on the contents of this interview. This interview is not meant to be, and does not amount to, any solicitation or promotion of any investment or products or services, or any advice to purchase any insurance product. Before entering into any investment, buying an insurance policy or other financial product, or availing any services, you should take independent legal, tax, financial or other advice as you may deem fit, at your own costs and considering your own circumstances. As relevant restrictions, eligibility criteria, and other terms and conditions, may apply, please ensure that you read carefully, and understand, the policy documents, before purchasing an insurance policy. While Sun Life issues insurance products, it is the distributors that market our insurance products that have the sole responsibility to acquaint themselves with the relevant laws, regulations and other requirements, as applicable, and to advise clients accordingly. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid. The contents of this interview are for general information only and does not take into account the specific investment objectives, financial situation or particular needs of any specific person. You should seek advice from a financial adviser regarding the suitability of the policy before making a commitment to purchase. In the event that you choose not to do so, you should consider whether the product in question is suitable for you. This interview is not a contract of insurance. Please refer to the policy contract for the exact terms and conditions, specific details and exclusions. The policies mentioned in this interview are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association, Singapore or SDIC websites (www.lia.org.sg) or (www.sdic.org.sg). This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at September 2025. Sun Life Assurance Company of Canada is an insurance company federally incorporated in Canada, with OSFI Institution Code F380 and its registered office at 1 York Street, Toronto, Ontario, Canada M5J 0B6. It is regulated by the Office of the Superintendent of Financial Institutions, Canada. Sun Life Assurance Company of Canada Singapore Branch (UEN T19FC0132B) is registered with the Accounting and Corporate Regulatory Authority of Singapore as a foreign company, with its registered office at 50 Raffles Place, #26-04 Singapore Land Tower, Singapore 048623. It is licensed and regulated by the Monetary Authority of Singapore. Where Sun Life Assurance Company of Canada Singapore Branch is referred to as “Sun Life Singapore”, this is strictly for marketing and branding purposes only, and no legal significance is expressed or implied. Sun Life Assurance Company of Canada is a member of the Sun Life group of companies. The Sun Life group of companies operates under the “Sun Life” name. Sun Life Financial Inc., the publicly traded holding company for the Sun Life group of companies, is not a product offering company and is not the guarantor of the obligations of its subsidiaries. © 2025 Sun Life Assurance Company of Canada. All rights reserved. The name Sun Life and the globe symbol are registered trademarks of Sun Life Assurance Company of Canada. --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Christopher Albrecht, CEO, Sun Life Singapore Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh Executive producer: Claressa Monteiro A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Podcasts: Channel: bt.sg/pcOM Apple Podcasts: bt.sg/pcAP Spotify: bt.sg/pcSP YouTube Music: bt.sg/giK9 Website: bt.sg/podcasts Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Correspondents at: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

David McKnight explains why he has chosen to avoid bonds entirely and why you might want to rethink how you protect your portfolio as you approach retirement. David kicks things off by illustrating the so-called sequence of returns risk. According to conventional wisdom, bonds tend to be less volatile, so they help smooth out the rough years in the stock market.  However, bonds aren't the safety net they used to be. And over long periods of time, bonds tend to underperform stocks by a wide margin. David warns against “stuffing your portfolio with bonds just to be safe.”  The reason for that is that you're not only capping your upside, you're also taking on risks of your own: inflation risk, interest rate risk, and the risk of simply not having enough growth to fund a long-term retirement. Instead of watering down his stock portfolio with bonds, David uses a volatility buffer. He keeps 3-5 years' worth of living expenses in a separate, safe, and productive account – his go-to option is Indexed Universal Life Insurance (IUL). An IUL gives you safety from market downturns because it's linked to an index but has a floor that protects you from losses.  In other words, an IUL has potential for reasonable growth without the full downside risk of stocks. David discusses a scenario in which he's retired and living off his investments when the market suddenly drops by 30%... The approach David relies on enables him to have peace of mind – something that really helps because, as he puts it, “The more you can take emotion out of the equation, the better your investment returns.”  David goes over what to consider and do to get started with a volatility buffer.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

This episode examines real-world data from a 12-year-old indexed universal life insurance policy. We track how the policy performed despite significant changes to its original parameters. The case study reveals insights about IUL resilience and flexibility. The policy started with a 12% cap rate and 2% floor on the S&P 500. Over the 12 years, the cap rate dropped to 7.75%, yet the policy still achieved an average return of 7.37%. This exceeded the original 6% assumption used in the planning process. We break down the frequency of hitting caps versus floors over the policy's lifetime. The data show that the policy hit the floor 18% of the time and fell within the moderate 2-7% range only 12% of the time. Most performance landed at higher levels. The episode explains how insurance companies set cap rates and why they change over time. We cover the role of bond yields and options pricing in determining these rates. The discussion clarifies why cap rate adjustments aren't arbitrary profit-grabs by insurers. This particular policy stopped receiving premium payments after just two years. Despite this dramatic departure from the original plan, the policy continues to grow and remain viable. We examine the options available when funding plans undergo a complete change. The performance data offers a comparison of IUL versus whole life insurance during the same period. While cap rates declined for IUL policies, they rebounded more quickly than whole life dividend increases. The comparison highlights different product characteristics. ______________________________ Ready to explore whether indexed universal life insurance might work for your situation? Contact us to discuss your specific needs and see how IUL could fit into your financial strategy.

Two tragedies in one week exposed something many conservatives had been denying: we are not all Americans working toward the same goals. When one side celebrates assassination and the other extends olive branches, the asymmetry becomes fatal. If you believe in traditional values, speak openly about Christ, or question progressive orthodoxy, they consider you deserving of violence. The second half of the episode pivots to Parkinson's Law and its application to both time and money. Work expands to fill the time allowed, expenses rise to meet income, and luxuries become necessities. Without forced savings mechanisms like Infinite Banking and cash flow systems, lifestyle inflation will consume every raise and prevent wealth accumulation. The connection is direct: mastering money flow gives you control over time, and controlling your time means living the life you want now rather than deferring everything to a retirement that may never come.Chapters:00:35 - Opening 02:15 - Ukrainian train murder and Charlie Kirk assassination05:10 - The celebration of violence by the left09:45 - The leftist flowchart for responding to violence11:40 - The myth of "national conversation" exposed14:30 - First Amendment misunderstanding and employment consequences16:30 - Cancel culture hypocrisy: bodily autonomy vs. speech24:10 - DC transformation through force: crime to safety overnight25:20 - Parkinson's Law 26:30 - Becoming Your Own Banker30:30 - Forced savings through IBC vs. flexible premium policies32:20 - Why UL and IUL policies fail at 90%+ rates37:30 - Funneling raises into policy premiums to avoid lifestyle inflation38:00 - Tax refund strategy40:50 - Closing thoughts and call to actionKey Takeaways:- Political violence is almost exclusively a leftist phenomenon- Celebration of Charlie Kirk's murder came from mainstream sources, not fringe accounts- The "national conversation" narrative was always a lie - they want compliance, not dialogue- Losing your job for speech is not a First Amendment violation- First Amendment protects you from government censorship, not employer consequences- Same people demanding speech consequences for conservatives opposed vaccine mandate employment termination- Work expands to fill the time envelope allowed- Expenses rise to equal income without intervention- Luxuries once enjoyed become necessities (air conditioning, heated seats, smartphones)- Without forced mechanisms, lifestyle inflation consumes all income increasesGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !Visit https://remnantfinance.com for more informationLow Stress Trading: https://remnantfinance.com/options FOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE

What does true generosity look like? Is it measured by the size of the gift, or is it something deeper?In Luke 21:1–4, Jesus praises a widow who gave only two small coins. At first glance, her offering seems insignificant compared to the wealthy donors around her. Yet, in Jesus' eyes, her gift was greater than them all. Why? Because God doesn't measure generosity by the amount—it's the heart behind it that matters.The Scene at the TemplePicture the temple courts: the wealthy making large, noticeable contributions, drawing admiration for their gifts. Then comes a poor widow. No fanfare. No applause. Just two copper coins—economically worthless. Yet Jesus declares that she has given more than anyone else.The difference? The wealthy gave from their abundance, gifts that cost them little. The widow gave out of her poverty—all she had to live on. Her gift was not just generous; it was sacrificial, risky, and rooted in trust.This theme echoes throughout Scripture. In 1 Samuel 16:7, the Lord tells Samuel, “Man looks at the outward appearance, but the Lord looks at the heart.” Paul also affirms this in 2 Corinthians 8:12: “If the willingness is there, the gift is acceptable according to what one has, not according to what one does not have.”God doesn't call us to give what we don't have. He calls us to give cheerfully, faithfully, and with hearts surrendered to Him.God Wants Your HeartThe widow's gift also points us to the gospel itself. In 2 Corinthians 8:9 we read, “Though He was rich, yet for your sake He became poor, so that you through His poverty might become rich.” Jesus gave everything for us—holding nothing back. When we give sacrificially, we reflect His love and generosity.Maybe you've felt your giving is too small to matter. But Scripture shows otherwise. In John 6, a boy offered five loaves and two fish—and Jesus fed thousands. The issue isn't what you have, but what God can do with it.Generosity in God's Kingdom isn't about status or size. It's about surrender. A gift given in faith is never small. Whether two coins or two million dollars, the real question is: Am I giving out of abundance or out of trust?The story of the widow's mite isn't meant to pressure us into giving more. Instead, it frees us to see generosity the way God does—not as an economic equation but as an act of worship. He doesn't need your money; He wants your heart.On Today's Program, Rob Answers Listener Questions:I lost money in my 401(k) when I became disabled, and now it's sitting in an IRA that isn't earning anything. Should I transfer it to a savings account, and what taxes would I be liable for? Also, since my house is paid off, I'd like to understand how reverse mortgages work.I have just sold my house and would like to know the most prudent way to invest the proceeds. I'm trying to be a good steward, but I'm not sure if a savings account, an IUL, or something else would be best.I'm on permanent federal workers' comp and wondering if I'll still be eligible to draw Social Security when the time comes.My friend hasn't filed taxes for five years. How could that affect her children if she passes away, and what steps can she take to resolve it?I was told that if I move my mortgage into a home equity line of credit and deposit my paychecks there, I could pay it off in seven years. Is that really true?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Have you ever heard someone say you can use an IUL for Infinite Banking? Maybe you've seen a slick video online, or a persuasive advisor with charts and projections that promise you higher returns, flexible premiums, and “upside potential.” It sounds convincing—especially when you compare the numbers on an illustration. Who wouldn't want more cash value and lower premiums? But here's the sobering reality: when it comes to Infinite Banking, an Indexed Universal Life policy (IUL) doesn't deliver what matters most. https://www.youtube.com/live/beR3FnHLAG4 And that's a big problem, because Infinite Banking is not about chasing the highest return—it's about creating a system of certainty and control. If you build your family's financial foundation on a shifting product with no guarantees, the consequences don't show up immediately—but when they do, they can devastate your future. I don't say this lightly. My co-host, Bruce Wehner, has seen it firsthand. For decades, he has worked with clients who were told their Universal Life or Variable Universal Life would “never fail.” And yet, over time, those policies collapsed under rising costs, vanishing crediting, or shifting assumptions. I'll weave some of his stories in throughout this article, because you deserve to see not just the theory, but the real-world results. Today, I want to give you clarity. I want to cut through the confusion and soundbites and show you exactly why IULs cannot serve as the foundation for Infinite Banking, and what you should do instead. What Infinite Banking Really Is (and Isn't)Can You Use IUL for Infinite Banking?Whole Life vs. IUL: The Key Differences1. Guarantees2. Premiums3. Cash Value Growth4. Loan Provisions5. EndowmentWhy Guarantees Matter for Infinite BankingCommon Misconceptions About IUL for Infinite Banking“IULs never lose money.”“IULs have more upside.”“IULs are more flexible.”Lessons from Real PeopleThe Bigger Picture: Stewardship and LegacyThe Answer to the IUL MythBook A Strategy CallFAQ: IUL for Infinite BankingCan you use IUL for Infinite Banking?Why does Infinite Banking require Whole Life insurance?Do IULs really offer more upside?What happens if I underfund an IUL?What's the safest way to start Infinite Banking? By the end of this article, you'll understand: Why Infinite Banking requires certainty, control, and guarantees. How Whole Life and IUL compare—and why IUL falls short. The most common misconceptions about IUL for Infinite Banking. Real lessons from history and clients who have lived through these products. How to take the next step if you're serious about building your own banking system. Let's dive in. What Infinite Banking Really Is (and Isn't) When people first hear about Infinite Banking, they often confuse it with “just buying life insurance.” Here's the truth: Infinite Banking is not about the product. It's about the process. At its heart, Infinite Banking is about taking control of your cash flows—those dollars that normally flow out of your life to banks, credit card companies, finance companies, and investment firms—and capturing them inside your own financial system. It's about becoming your own banker. And that requires certainty. Infinite Banking utilizing life insurance only works if you can rely on three things: Guaranteed cash value growth – You need to know your pool of capital will increase every single year, no matter what. Guaranteed level premiums – You need to know exactly what you'll owe, so you can plan and build discipline. Guaranteed death benefit – You need the confidence that your legacy will be secure for your family, no matter what happens. If any of those guarantees are missing, you're not in control. You're gambling. This is why Whole Life insurance from a mutual company has always been the proper tool for Infinite Banking. And it's also why IUL fails the test. Can You Use IUL for Infinite Banking?

The life insurance industry just hit its strongest growth in over four decades. We break down the latest LIMRA data, which shows a 13% premium increase and 17% policy growth in Q2 2025. Cash value policies are driving this surge, not term insurance. Index universal life sales increased 21% year-over-year, while whole life sales grew 8% and variable universal life sales rose 4%. Term insurance remained essentially flat with just 1% growth. We examine which companies are issuing the largest policies and reveal surprising average premiums across different product types. Pacific Life leads with $208,000 average VUL premiums while National Life Group averages just $6,700 for IUL policies. The marketplace is shifting as more people choose permanent coverage over term insurance. We discuss theories about why younger generations might be more open to cash value life insurance despite decades of "buy term and invest the difference" messaging. We also explore the rise of indexed accounts in variable universal life policies and examine policy count data from major insurers. The episode covers which companies focus on overfunded policies versus traditional death benefit sales and what these trends mean for the industry. ______________________________ Ready to discuss your life insurance strategy? Contact us to explore how these market trends might impact your planning decisions.

You've probably heard that whole life insurance is the "safe" choice while indexed universal life insurance is "risky" and volatile. This episode challenges that conventional wisdom with actual data and real-world examples. We break down why this oversimplified risk-reward framework misses important details about how these products actually perform over time. We compare a 40-year-old funding either policy with $25,000 annually until age 65, then taking income for life. You'll discover that indexed universal life insurance accumulates over $1.3 million by retirement versus whole life's $1.2 million. More importantly, the annual income difference is substantial: nearly $80,000 from IUL versus about $61,600 from whole life. The real revelation comes when you see how cash values evolve during the income phase. While whole life cash values decline over time due to guarantee costs, IUL cash actually grows despite larger income withdrawals. This happens because IUL keeps more of your money working and earning returns while whole life requires withdrawing basis first. We address the common concern about IUL's zero-return years and show you the actual impact. When properly designed for cash accumulation, expenses in your 70s typically amount to just 0.25% to 0.5% of cash value in worst-case scenarios. That's similar to a typical mutual fund expense ratio, hardly the catastrophic risk many imagine. You'll also learn about the birthday paradox analogy that illustrates why the difference in guarantees between these products isn't as significant as most people think. We explain how proper policy design minimizes risk while maximizing growth potential, and why longer funding periods favor IUL even more dramatically. _________________________ Ready to explore which approach makes sense for your situation? Contact us to discuss how these insights apply to your specific goals and circumstances.

Two 31-year-old fathers of two. One died unexpectedly in a hospital, leaving his family scrambling financially with only a $400,000 life insurance policy. The other was assassinated for his political beliefs, sparking a national conversation about violence and ideology. Both tragedies expose the same uncomfortable truth: none of us know when our last day will come.Hans opens with a sobering reality check for fathers - if you don't wake up tomorrow, how does your family survive financially? Beyond the emotional devastation, what practical steps have you taken to ensure your wife can pay the mortgage, access accounts, and maintain the lifestyle you've built together? The episode serves as both a wake-up call about financial preparedness and an introduction to alternative investment strategies through client Will Leight's raw land business.The conversation takes a hard turn into cultural commentary following recent events, examining the escalation of political violence and the breakdown of civil discourse. From Harvard's ideological rigidity to the celebration of assassination, Hans and Will discuss why the mask has come off regarding the left's true intentions and what it means for American families trying to build wealth and protect their future.Chapters:00:00 - Opening discussion on insurance and tragedy01:30 - Introduction to Will Light and client interview format04:10 - Tragic case study: 31-year-old father's unexpected death07:50 - The underinsured asset: your human life value10:30 - Will's insurance background: SGLI and universal life experience13:00 - Financial advisor vs. IBC agent: the education gap16:10 - Policy design disasters and all-base mistakes19:40 - IUL retirement plans and MEC dangers24:50 - Charlie Kirk assassination and national implications27:00 - Harvard Kennedy School and ideological extremism29:55 - The myth of "national conversation" exposed32:25 - Violence as policy: the liberal endgame revealed35:20 - Masks dropping after the assassination39:45 - Historical parallels to Soviet criminal codes41:10 - Frontier Coffee statement on turning points47:00 - Zero tolerance for liberal ideology in business49:20 - Nepal government overthrow parallels51:20 - Individual and community preparedness imperatives53:40 - Shifting to raw land investment strategy55:50 - Will's introduction to Land Geek methodology58:25 - Raw land acquisition and financing mechanics01:00:35 - Building relationships with land buyers01:02:50 - Scaling strategy and county selection01:04:30 - Current portfolio: 11 properties and growing01:06:35 - Rental property tax advantages comparison01:09:10 - Vision and Value Land Company introduction01:11:10 - Final thoughts on preparedness and truth-tellingGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar!Visit https://remnantfinance.com for more informationLow Stress Trading: https://remnantfinance.com/optionsWill Leight - Vision and Value Land Company:  https://www.facebook.com/profile.php?id=61578024718364#**FOLLOW REMNANT FINANCE**Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE

Most people who buy life insurance never read the fine print. They're promised "stock market–like returns without the risk," a retirement account that doubles as a tax-free loan machine, and peace of mind for their families. On paper? It looks like the perfect product. But what happens when the math doesn't add up, the illustrations don't match reality, and families find out, years later, that the policy they've been funding is set to collapse? That's the dark underbelly of the Indexed Universal Life (IUL) industry. And it's exactly what my guest, Jonathan, aka the IUL Exposer, has dedicated his career to uncovering. He's reviewed over 4,000 policies in just 18 months, uncovered systemic mis-selling, and even built a process that has helped families claw back over a million dollars in refunds. Jonathan isn't anti-insurance. He's anti–false promises. His work shines a light on how commissions drive product design, why regulators are warning against IULs, and how clients are left holding the bag when agents disappear. This episode isn't about theory, it's about hard numbers, legal battles, and the uncomfortable truths most of the industry hopes you never learn. Things You'll Learn In This Episode -Illustrations are a trap IUL projects steady growth that rarely happens. Why do clients still trust the numbers? -Commissions drive the product IULs are sold 10-to-1 over whole life because they pay the fattest commissions. What does that reveal about whose interests are really being served? -Refunds are possible Families often think their money is gone forever. How are some clawing back tens of thousands in refunds? -Indexes aren't what they seem Synthetic "uncapped" indexes promise market-like returns but rarely deliver. How are clients set up for disappointment from day one? Guest Bio Jonathan Aguilera is the voice behind @lifeinsurancerefunds on TikTok and Instagram, a platform dedicated to exposing misleading life insurance practices, breaking down complex policies, and helping families recover money they thought was lost. Licensed since 2012, Jonathan once built a national agency of 250+ licensed agents with Primerica. But when faced with the choice to "stay quiet to stay compliant" or speak up for what's right, he chose the latter. He resigned, surrendered his securities licenses, and walked away from everything he'd built to launch DTRT Financial, not just a company, but a movement. Jonathan isn't the suit-and-tie advisor chasing commissions. He's the guy who got fed up watching families get misled, overcharged, and under-informed. Through thousands of policy reviews, he's exposed the harsh realities of cash value life insurance while educating the masses on how to make intentional financial choices. Visit IULExposer.com to learn more. About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is currently the founder of The Money School™, and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom. Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you!

Most people who buy life insurance never read the fine print. They're promised “stock market–like returns without the risk,” a retirement account that doubles as a tax-free loan machine, and peace of mind for their families. On paper? It looks like the perfect product. But what happens when the math doesn't add up, the illustrations don't match reality, and families find out, years later, that the policy they've been funding is set to collapse? That's the dark underbelly of the Indexed Universal Life (IUL) industry. And it's exactly what my guest, Jonathan, aka the IUL Exposer, has dedicated his career to uncovering. He's reviewed over 4,000 policies in just 18 months, uncovered systemic mis-selling, and even built a process that has helped families claw back over a million dollars in refunds. Jonathan isn't anti-insurance. He's anti–false promises. His work shines a light on how commissions drive product design, why regulators are warning against IULs, and how clients are left holding the bag when agents disappear. This episode isn't about theory, it's about hard numbers, legal battles, and the uncomfortable truths most of the industry hopes you never learn. Things You'll Learn In This Episode  -Illustrations are a trap IUL projects steady growth that rarely happens. Why do clients still trust the numbers? -Commissions drive the product IULs are sold 10-to-1 over whole life because they pay the fattest commissions. What does that reveal about whose interests are really being served? -Refunds are possible Families often think their money is gone forever. How are some clawing back tens of thousands in refunds? -Indexes aren't what they seem Synthetic “uncapped” indexes promise market-like returns but rarely deliver. How are clients set up for disappointment from day one?   Guest Bio Jonathan Aguilera is the voice behind @lifeinsurancerefunds on TikTok and Instagram, a platform dedicated to exposing misleading life insurance practices, breaking down complex policies, and helping families recover money they thought was lost. Licensed since 2012, Jonathan once built a national agency of 250+ licensed agents with Primerica. But when faced with the choice to “stay quiet to stay compliant” or speak up for what's right, he chose the latter. He resigned, surrendered his securities licenses, and walked away from everything he'd built to launch DTRT Financial, not just a company, but a movement. Jonathan isn't the suit-and-tie advisor chasing commissions. He's the guy who got fed up watching families get misled, overcharged, and under-informed. Through thousands of policy reviews, he's exposed the harsh realities of cash value life insurance while educating the masses on how to make intentional financial choices. Visit IULExposer.com to learn more.  About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is currently the founder of The Money School™, and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.     Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you!   

Most people do very little strategic thinking about what investments they have or why they have them. They simply follow the herd or a popular investment newsletter that promises huge returns. In this episode I explain why residential rental properties are a cornerstone of my investment strategy and why I recommend you consider them as well. I get into specifically why I support these investments with infinite banking or family banking life insurance policies and show a couple of examples of the financial impact of doing so.   Highlights Why rental properties and hard assets? Impact of overall portfolio on wealth returns. Infinite banking: explanation and personal impact. Lessons from a rural upbringing and stagflation. Navy career and financial wake-up call. Control over money equals reduced risk. Maslow's hierarchy of needs applied to investments. Direct vs. indirect investment risk. Differences between savings and investments. Borrowing against life insurance for investments. Infinite banking's financial advantage demonstration. Differences in returns with infinite banking. Constructing an infinite banking policy. Whole life insurance vs. IUL and its implications. Accessing and contributing flexibility to policies. Scalability and contribution duration in policies.   Links and Resources from this Episode Connect with Gary Pinkerton https://www.paradigmlife.net/  gpinkerton@paradigmlife.net https://garypinkerton.com/  https://clientportal.paradigmlife.net/WealthView360    Review, Subscribe and Share If you like what you hear please leave a review by clicking here   Make sure you're subscribed to the podcast so you get the latest episodes. Subscribe with Apple Podcasts Follow on Audible Subscribe with Listen Notes Subscribe with RSS

For many people, an approach that incorporates whole life insurance has become part of their broader retirement strategy. Is that a good way to go? That's what David McKnight addresses in this episode. While Whole Life has some legitimate applications, especially for people who are risk-averse and are looking for guaranteed steady accumulation, there's an option that does the job more effectively: Indexed Universal Life (IUL). David touches upon why you may want to opt for IUL instead of Whole Life, including the fact that, with IUL, you can access your cash value in retirement without having to pay loan interest.  That gives you more flexibility and more efficiency when using IUL as a source of income. David compares Whole Life and Indexed Universal Life. If your goal is to shield your retirement portfolio from market downturns, then Whole Life is like taking the scenic route: You'll get there. but it will cost you more time, fuel, and money. IUL, by contrast, is like taking the express lane: Same destination, just faster, cheaper, and more efficient. “If efficiency matters to you, and you're trying to increase the likelihood that your money will last as long as you do, then Indexed Universal Life is the superior alternative”, says David. David goes over what happens when you borrow money from your Whole Life policy vs. from your IUL.  It's good to know that some IUL policies have wash loans or zero-cost loans that make accessing your money more predictable and sustainable. David believes that, when it comes to retirement income and the volatility buffer concept, the IUL is more efficient and effective, as it gives you higher growth potential and more favorable loan features.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

If you own indexed universal life insurance or you're considering buying it, you've probably looked at all the index options and wondered which one to choose. In this episode, we dive deep into the data to answer that question with empirical analysis rather than guesswork. We examine the two most common index options available across IUL contracts: the traditional S&P 500 annual reset with a cap and the uncapped strategy with a spread. Using 20 years of market data, we test different allocation strategies to determine which approach delivers the best results. You'll discover why the "optimal" choice might matter less than you think, with total differences of only about 1% over two decades. More importantly, we reveal how splitting your allocation between capped and uncapped options can significantly reduce volatility while maintaining nearly identical returns to the best-performing single option. We also explore why volatility matters even in IUL contracts that have downside protection. If you're planning to take distributions from your policy in the future, understanding how to minimize years with minimal credits becomes crucial for maintaining consistent income. The analysis shows that a 50/50 or 55/45 split between capped and uncapped options produces a Sharpe ratio of 1.7, compared to 0.6-0.8 for direct S&P 500 investments. This demonstrates quantitatively why IUL serves as a non-correlated asset rather than direct market exposure. ___________________ Ready to optimize your IUL strategy or have questions about indexed universal life insurance? Contact us to discuss how these allocation strategies might work for your specific situation.

The IUL has become very popular with financially savvy consumers who want fair gains with minimal risk.

In this episode of The Broker Link, Crystal Bustillos from The Brokerage Inc. discusses how the back-to-school season is the perfect time for agents to talk with parents about long-term financial planning—specifically life insurance. She highlights how juvenile life insurance can lock in low premiums, secure lifetime insurability, and build cash value for future expenses like college, a first home, or a wedding. Crystal reviews standout products, including Gerber's Children's Whole Life and United of Omaha's Children's Whole Life, plus IUL options for kids. She explains key features like guaranteed purchase options, face amount increases at age 18, and underwriting guidelines. This episode is full of actionable ideas for helping families protect their children's futures while easing financial stress during the busy school season. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/ 

Is it possible to get your entire sales team to work together and crush goals one after another? Consider all the benefits your organization would gain if this were to actually happen.To make this dream a reality, listen to my chat with Justin Balik, co-founder of Weath InsurED, in this episode. He shares three sales tactics that brought his company from half a million to three million in 90 days.Meet Justin Balik Justin has been a force in financial services since graduating from the University of Miami in 2012. He quickly rose from agent to a top 10 manager among 10,000+ peers. Now, he and his wife own a business revolutionizing IUL sales training, producing high-end agents with unparalleled speed and results in the industry. He has helped tens of thousands with insurance and retirement, specializing recently in tax minimization for high-net-worth clients.Specialize Your Sales Roles Most sales teams have reps doing everything: prospecting, appointment-setting, closing, and follow-up. Justin broke the process into specialized roles—so each person focused only on their highest-value work. This helped free up the top closers, who were freed from low-value, time-consuming tasks. The result: higher efficiency, faster pipeline movement, and more revenue. Ask yourself: where is your team doing $10/hour work instead of $10,000/hour work?Go After High-Ticket Clients Instead of focusing on high-volume, low-value sales, Justin's team intentionally shifted to larger, more valuable deals. They targeted higher-level clients who not only respected the process, but were easier to work with—and produced exponentially greater revenue per deal. Justin's advice: Identify and pursue the upper echelon of your market, and don't let assumptions about “difficulty” of big deals hold you back. The truth? Sometimes, bigger clients are actually easier.Deliver Intensive, Practical Training Justin condensed over a decade's worth of his sales knowledge into a proprietary, one-week, 40-hour training program for new reps. This training ensures each team member is truly equipped—not just motivated—with everything needed to sell at a high level. It's practical, measured, and outcome-focused.Bonus Mindset Tip Justin emphasized the importance of personal growth alongside tactical skills. Your self-image must outpace the rejection that comes with aggressive activity, or you'll burn out before you break through.“You can't succeed in sales if you're not constantly working on yourself.” Justin Balik.ResourcesGrab these books mentioned in the episode: 10x Is Easier Than 2x, Who Not How, and The Science of Scaling by Dan Sullivan & Dr. Benjamin Hardy. Follow Justin on Instagram. If you like more guidance with improving your sales skills, join my Sales Mastermind Class. Thinking about starting a podcast yourself? Learn more about Blue...

These policies offer benefits where the policyholder can use benefits while living. Plus, the IUL is an excellent financial and tax planning strategy.

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! They talk about relying on pensions during retirement, investing throughout college, mortgages in Australia, accessing investments before 59.5 years of age, when it's appropriate to begin talking about money with your partner, saving for a down payment for a new duplex, and driving Uber full-time to fund an IUL. ---

Ernst & Young recently came out with a new updated study, which is likely to scandalize mainstream financial experts like they did with their 2021 study. Back then, they asked the question, “Is the stock market-only retirement approach really the strategy that gives you the highest levels of income and the best outcomes over a 30-year retirement?” In their new study, on the other hand, they substituted Indexed Universal Life for Whole Life, and Fixed Index Annuities for Deferred Income Annuities – a move that led to unexpected and spectacular results.  Host David McKnight explains that by going beyond the investment-only playbook and by integrating tools like Whole Life and Deferred Income Annuities into your retirement strategy, you get higher levels of income and a higher likelihood of your money lasting through life expectancy and beyond. For years, Indexed Universal Life and Fixed Index Annuities have been misrepresented by many (inexperienced) insurance agents, have been vilified by media personalities using a “one-size-fits-all” approach, and have been ignored by investment-only advisors. In the latest iteration of their study, Ernst & Young ran three case studies: one featuring a 35-year-old couple just starting their financial journey, one involving a 45-year-old couple, and the last one looking at a 65-year-old couple on the doorstep of retirement. David asks why, if the E&Y case studies show that IULs and FIAs can dramatically improve income levels and the likelihood of money lasting through life expectancy and wealth to heirs, they have been so frequently demonized? David touches upon three distinct reasons why he believes the critiques occur. “Together, the IUL and FIA act as the stabilizers on your retirement journey,” says David. Utilized in conjunction with your investment portfolio, IUL and FIA increase your income, the likelihood your money lasts through life expectancy, and they increase the money that gets passed on to your heirs. For David, data proves that cash value life insurance and annuities work whether you're just getting started or are stepping into retirement.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Ernst & Young Dave Ramsey Suze Orman S&P 500

David McKnight addresses Doug Andrew's recommendation of turning your IRA into an IUL. David agrees with some of Andrew's views, including his objection to rolling a 401(k) into an IRA, and then leaving it there until you die. Given the exploding national debt, most experts predict that taxes 10 years from now will have to rise dramatically to keep the U.S. solvent… Doug Andrew lists Indexed Universal Life as his “favorite financial vehicle because of liquidity, safety, predictable rates of return, and tax-free growth”. David is skeptical of advice that denigrates every tax-free alternative within the IRS tax code in an attempt to glorify the IUL – which happens to be the product Andrew sells. While David recognizes some admirable qualities that are unique to IUL (and that no other financial tool has), he doesn't recommend having an IUL as the only prong in your tax-free strategy. David's preference is for you to opt for an approach that takes advantage of every tax-free nook and cranny within the IRS tax code. Many gurus are “married” to and recommend only one strategy. David, on the other hand, prefers “multiple streams of tax-free income, none of which show up on the IRS' radar, that contribute to you being in the 0% tax bracket.” David lists the unique qualities of financial tools such as Roth IRAs, Roth 401(k)s, Roth Conversions, and IULs. If you're someone who's looking for advice, David recommends being careful whenever someone recommends you liquidate a retirement account you've been saving into your entire life and move it wholesale into an IUL! Your ideal goal should be to have multiple tax-free income streams that will land you in or near the 0% tax bracket in retirement. Why is that so important? Because even if tax rates were to double, two times zero is still ZERO.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Doug Andrew

You've probably heard criticism about index universal life insurance and its overly optimistic projections. We tackle this head-on by examining what really happens when your IUL policy doesn't perform as expected in those crucial early years. We break down three realistic scenarios using actual numbers and assumptions. You'll see how a policy performs under our base case projection, what happens during 15 consecutive bad years at the start, and how things play out when good years come first, followed by declining performance. The results might surprise you. Even with 15 poor-performing years right after purchase, your policy can still generate nearly the same retirement income you originally planned for. We show you the math behind why this happens and why it matters for your long-term financial strategy. You'll also learn why cap rate reductions aren't the policy killers many people think they are. We share real examples from policies we've managed that have seen significant cap rate drops yet continue performing well for their owners. This episode dives deep into the technical side of IUL performance, but we keep it practical. You'll understand why the variability that scares some people is actually one of the product's greatest strengths for retirement planning. ____________________________ Ready to explore how index universal life insurance could work for your situation? Contact us today to discuss your specific goals and see if IUL makes sense for your financial plan.

In this epic debate, Chris Kirkpatrick @LIFE180 and James Barber @OregonCashFlowPro go head-to-head to argue the risks, rewards, and realities of using IUL vs whole life for Infinite Banking. They don't just argue theory — they break down a real IUL policy illustration and analyze the numbers. This is the most detailed and honest conversation on the internet about IUL vs Whole Life.Want Us To Review Your Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant To Start Infinite Banking? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault00:00 Intro02:46 Understanding Policy Design and Performance06:08 The Role of Market Conditions in Policy Success09:00 The Misrepresentation of IULs12:03 Aligning Financial Products with Values15:11 The Importance of Proper Policy Design18:04 The Future of IULs and Whole Life Policies20:57 Navigating the Life Insurance Landscape38:11 Understanding Cap Rates and Product Variability39:50 The Impact of Policy Timing on Returns42:07 Mortality Rates and Dividend Adjustments44:34 Whole Life vs. IUL: A Comparative Analysis52:08 Investment Philosophy: IUL as a De-risking Tool54:31 Bond Alternatives and Market Exposure01:01:56 Understanding Borrowing Costs in Life Insurance Policies01:04:35 The Role of Whole Life and IUL in Financial Strategy01:06:52 Income Projections and the Risks of Life Insurance Products01:09:03 Debating IUL vs Whole Life: Key Arguments and Counterarguments01:12:50 Regulatory Changes and Their Impact on Life Insurance Products01:16:00 Philosophical Perspectives on Life Insurance as an Investment01:20:54 Final Thoughts on IUL and Whole Life StrategiesDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

In this episode, Brett McCollum interviews Janeisha Farquharson, a life insurance expert who shares her journey from growing up in an entrepreneurial household in Brooklyn to navigating the challenges of starting her own insurance business during the pandemic. Janeisha discusses the importance of client relationships in the insurance industry, the various life insurance products available, and how they can benefit real estate investors. She emphasizes the need for personalized service and the value of understanding clients' unique needs in order to provide the best insurance solutions.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

What happens when your lifestyle practice takes off faster than you ever expected?Andy Panko, founder of Tenon Financial, didn't set out to build a firm. After leaving the corporate finance world in 2019, his goal was simple: work with 50 clients, enjoy flexibility, and ease into retirement on his own terms.But within two years, he was at capacity—and suddenly facing a new question: Now what?In this episode, Andy shares how he navigated that inflection point and grew Tenon Financial without sacrificing the lifestyle he set out to protect. Rather than hiring assistants or junior staff to “scale,” he took a different route—bringing on experienced advisors with decades of prior careers who operate independently with their own client bases. The result is a lean team of three serving more clients without compromising autonomy or quality of life.Andy opens up about his approach to hiring, compensation, and why he places intentional limits on growth. “I don't want the business to consume me,” he says. “Since I started Tenon, I've never once felt like I had to go to work.”We also dive into industry-wide tensions around product sales and compensation structures. Andy, who owns an IUL policy himself but regularly calls out misleading marketing, offers a nuanced view on where insurance fits—and where it goes wrong.If you're a solo advisor wondering what comes next—or just want to hear what it looks like to grow without giving up control—this conversation is a must-listen. As Andy puts it: “When you take ‘just being about money' off the table, it's actually very liberating.”Andy's links and Social:retirementplanningeducation.comhttps://www.linkedin.com/in/andypanko/

In dieser True Crime-History-Sprachwissenschafts-Crossover-Folge besprechen wir einen Mord. Den Mord an einem Diktator, der mit Kalkül und Charisma die Alleinherrschaft an sich gerissen hat: Gaius Julius Caesar. Er war Feldherr, Schrifsteller, Frauenheld und der Totengräber der römischen Republik. Um seine letzten Worte ranken sich nicht erst seit Shakespeares "Auch du, Brutus?" Mythen. Nach einem kurzen Profiling unseres Opfers und der Täter schildern wir den Tathergang. Danach geht es ums Wort: Was sagte Caesar als letztes? Zu wem sprach er? Und vor allem: in welcher Sprache? Um unsere Fragen zu beantworten, bitten wir drei Zeugen zur Befragung, die uns auch bereitwillig Informationen geben, sich jedoch leider widersprechen. Es beginnt ein zähes Ringen darum, was Wahrheit und was Fiktion einzelner ist. Werden unsere zwei unerschrockenen Detektive Anton und Jakob den Fall klären können oder werden Caesars letzt Worte für immer hinter dem Schleier des Vergessens verborgen bleiben? Ein Fall von Podcast von Anton und Jakob. Instagram: https://www.instagram.com/sprachpfade ___ Weiterführende Literatur: Martin Jehne (2024): Caesar, 6. durchgesehene und aktualisierte Auflage, München: C.H. Beck.Michael Sommer (2024): Mordsache Caesar. Die letzten Tage des Diktators, München: C.H. Beck.Ioannis Ziogas (2016): „Famous Last Words. Caesar's Prophecy on the Ides of March“, in: Antichthon 50, S. 134-153.Alle Bücher ausleihbar in deiner nächsten Bibliothek! Historische Quellen (für alle, die es genau wissen wollen)Textstelle bei Sueton, De vita Caesarum, Buch Divus Iulius, Kap. 82 (Suet. Iul. 82), in: Perseus Digital Library, URL: https://www.perseus.tufts.edu/hopper/text?doc=Suet.+Jul.+82&fromdoc=Perseus%3Atext%3A1999.02.0061Textstelle bei Cassius Dio, Ῥωμαϊκὴ ἱστορία, Buch 44, Kap. 19 (Cass. Dio 44,19), in: Perseus Digital Library, URL: https://www.perseus.tufts.edu/hopper/text?doc=44.19&fromdoc=Perseus%3Atext%3A2008.01.0593Textstelle bei Plutarch, Caesar, Kap. 66, Abschnitt 5 (Plut. Caes. 66.5), URL: https://www.perseus.tufts.edu/hopper/text?doc=Plut.+Caes.+66.5&fromdoc=Perseus%3Atext%3A2008.01.0130Das berühmte Zitat „Et tu, Brute?“ in William Shakespeare: „The tragedy of Julius Caesar“, Akt 3, Szene 1, Zeile 85, URL: https://www.folger.edu/explore/shakespeares-works/julius-caesar/read/(Tolle) Produktionen, die wir erwähnt habenDas erwähnte Video zum römischen Namenssystem: Kaptorga – Visual History: „IT'S A JOKE NAME, SIR! Warum der Name von Russel Crowe in Gladiator nicht funktioniert“, URL: https://www.youtube.com/watch?v=kDCLD431juwDie erwähnte Genremix-Folge zur Ermordung Caesars: Tatort Geschichte – True Crime meets History: „Verrat im Senat. Caesar und die ‘Iden des März'“, URL: https://www.br.de/mediathek/podcast/tatort-geschichte-true-crime-meets-history/verrat-im-senat-caesar-und-die-iden-des-maerz/2100878 (in der Folge ein Interview mit Michael Sommer zu seinem Buch, siehe oben) ___ Gegenüber Themenvorschlägen für die kommenden Ausflüge in die Sprachwissenschaft und Anregungen jeder Art sind wir stets offen. Wir freuen uns auf euer Feedback! Schreibt uns dazu einfach an oder in die DMs: anton.sprachpfade@protonmail.com oder jakob.sprachpfade@protonmail.com ___ Titelgrafik und Musik von Elias Kündiger https://on.soundcloud.com/ySNQ6

In this episode of the "9 Innings Podcast," host Kevin Thompson, founder and CEO of 9i Capital Group, and guest Andy Panko from Tenon Financial discuss the impact of market volatility on the promotion of Indexed Universal Life (IUL) insurance products. Kevin emphasizes the importance of financial education and empowerment, while Andy critiques the aggressive sales tactics used by some IUL promoters, particularly those from multi-level marketing backgrounds. They highlight the misconceptions surrounding IULs and stress the need for consumers to be well-informed and cautious when evaluating financial products.Promoting IUL Products (00:02:09)Critique of Salesperson Expertise (00:05:13)Multi-Level Marketing Dynamics (00:07:59)Training and Recruitment Issues (00:09:05)Critique of 401(k) Comparisons (00:13:41)Personal Experiences with IUL Advocates (00:17:17)Market Volatility and Financial Products (00:21:08)Permanent Life Insurance Considerations (00:25:37)Industry Incentives and Ethics (00:30:00)Term vs. Permanent Insurance (00:34:17)Closing Remarks and Takeaways (00:35:40)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-pageFollow Us: youtube: / @9icapLinkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfpBuy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4Hit the subscribe button to get new content notifications.Corrections: Editing by http://SwoleNerdProductions.comDisclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of The Power of Zero Show, host David McKnight looks at Doug Andrew's recent video in which he implored his audience to never use a Roth IRA or a Roth 401(k) again. Andrew sees Indexed Universal Life insurance (IUL) as far superior and believes it should be the source of the vast majority of your distributions in retirement. While David likes IUL in certain circumstances, he isn't a fan of sales strategies that debase every other viable tax-free alternative in an effort to exalt IULs. For David, the video is riffed with errors, exaggerations and omissions. Moreover, Andrew's video appears to have an obvious pre-commitment to persuading you to reposition the lion's share of your retirement savings into an IUL. In the video, Doug Andrew's liking for IUL as the top investment vehicle is evident. At the beginning of his video, Andrew says that he will explain why the IUL is far superior to the Roth IRA. David believes that the choice should never be between a Roth IRA and an IUL or between a Roth 401(k) and an IUL. Remember: your tax-free strategy can incorporate as many as SIX DIFFERENT STREAMS of tax-free income, not just the IUL… And every one of these tax-free income strategies has unique qualities that set them apart from all the others. Don't forget about what your #1 goal should be: to take advantage of every tax-free nook and cranny in the IRS tax code. David lists the qualities that tools such as Roth IRAs, Roth 401(k)s and Roth conversions have and that IULs do not have. One of the unique things about IULs is that they give you a death benefit that doubles as long-term care and helps grow your money safely and productively. David touches upon what he considers “wild claims” featured in Doug Andrew's video. An example of inaccurate or untrue information shared by Andrew is that the IUL's expenses will be paid out of the money that would have otherwise gone to pay a tax… which is wrong! Contributions to Roth IRAs and IULs are both made with after-tax dollars. “If anyone ever debases a Roth IRA or a Roth 401(k) in an attempt to sell you an IUL, you should run – not walk – the other way,” concludes David.   Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Doug Andrew Doug's video - Why You Should Never Use a Roth IRA Again (6 Reasons Why)

Today, Bruce and I want to unpack a question we frequently encounter: Is cash value life insurance enough for retirement? It's a compelling question, but one without a simple yes or no answer. The effectiveness of cash value life insurance as your primary retirement vehicle heavily depends on your personal discipline, your overall financial strategy, and, importantly, your understanding of what retirement means to you. https://www.youtube.com/live/rASx9CvIpbg When I started my financial career back in the late 1980s, a presentation caught my attention. It claimed that by consistently funding a whole life insurance policy, individuals could join the "Lucky 3%"—those who felt completely secure about their retirement. This idea was captivating, promising financial freedom through disciplined saving. Yet, over the years, I discovered something crucial: consistency, discipline, and long-term thinking significantly outweigh the choice of any specific financial product. The Retirement Dream vs. RealityIs Cash Value Life Insurance Enough for Retirement?Defining Retirement: What Does It Really Mean?The Importance of Consistent Savings and DisciplineWhole Life vs. VUL and IUL: Stability and GuaranteesThe Myth of "Zero is Your Hero" in Indexed Universal Life (IUL)Cash Value Life Insurance as Part of a Comprehensive Retirement PlanThe Infinite Banking AdvantageCan You Rely Solely on Cash Value Life Insurance?Book A Strategy Call The Retirement Dream vs. Reality By the end of this article, you will clearly understand whether cash value life insurance—such as whole life, variable universal life (VUL), or indexed universal life (IUL)—can sufficiently fund your retirement. We'll explore the advantages and drawbacks of using life insurance as your main retirement tool, emphasize the critical importance of consistent saving, and outline how to effectively integrate life insurance into a comprehensive retirement plan for optimal security and growth. Furthermore, you'll understand why no single financial instrument is perfect for everyone, and why a diversified, well-balanced retirement strategy that includes guaranteed income, buffer assets, and growth-oriented investments can lead to lasting financial security and peace of mind. Is Cash Value Life Insurance Enough for Retirement? Defining Retirement: What Does It Really Mean? Many of us grow up envisioning retirement as a milestone where we stop working at age 65 and comfortably live off our accumulated savings. However, this traditional model presents significant challenges. The reality is that you're often expecting 40 years of work to fund potentially 30 or more years of retirement, especially as life expectancy increases. Rather than viewing retirement as an abrupt halt to working life, a more sustainable approach is to see retirement as a transition to financial independence. Instead of merely accumulating savings, focus on acquiring cash-flowing assets, such as rental properties, dividend-producing stocks, or profitable businesses, which can continuously generate income regardless of market fluctuations. The Importance of Consistent Savings and Discipline Bruce emphasizes that consistent saving and disciplined behavior are the foundation of successful retirement planning. Unfortunately, many people fall short in their savings efforts early in life, later attempting to compensate by chasing higher-risk investments for potentially greater returns. This strategy often introduces unnecessary risk precisely when financial security is most critical. Establishing disciplined savings habits early and maintaining them throughout your career is far more important than selecting the "perfect" financial product. Time and consistency enable compound growth, providing greater financial security in your retirement years than riskier, late-stage investments ever could. Whole Life vs. VUL and IUL: Stability and Guarantees

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 dragging the baggage of previous declines. You'll understand why this makes IUL especially valuable for retirement income strategies. We explore how IUL has evolved beyond simple caps and floors to offer more sophisticated options including lock features and alternative indices. Discover how these innovations help weather financial storms and why, despite not outperforming the market during bull runs, IUL provides an important hedge against bad conditions in your overall retirement portfolio. _________________________ Ready to explore how IUL can strengthen your retirement strategy? Contact us today to learn if this approach aligns with your financial goals. We'll help you understand the benefits of adding IUL to your portfolio and show you how it can provide stability when markets get turbulent.

This episode of the Broker Link podcast discusses the upcoming Life Symposium on May 20 at the new Flower Mound office. Chris Newberry and Crystal Bustillos from the Life team highlight new features like the Vive platform for term insurance, which allows agents to run quotes and apply directly. The symposium will cover various life insurance products, including term, IUL, long-term care, final expense, and worksite products. It will feature presentations from carriers and other partners, with a fast-paced schedule and a working lunch. Registration is encouraged as space is limited. Additionally, monthly webinars and custom partner program calls are available for further training and support. To RSVP to the Life Symposium, click on this link: https://thebrokerageinc.com/training/life-symposium-dfw/ Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/ 

The Moneywise Radio Show and Podcast Thursday, April 17th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Manageme instagram: MoneywiseWealthManagement Guests: Danielle Cox, Miramar International Calloway & Elizabeth Cardenas, Fundraising Chair website: www.repfrf.org/ facebook: The Real Estate Professionals Family Relief Fund Presents "5th Annual Golf Tournament"  Register Now by calling Danielle at 661-496-7318 or email Danielle at Danielle.Miramar@gmail.com  

In this new episode of the Follow the Money podcast, Jerry Robinson tackles four of the most dangerous financial lies Americans believe—and the truths that can set them free.From the myth of “buy term and invest the rest” to the risks of relying solely on the stock market in retirement, Jerry breaks down each idea with clarity and conviction.He also explains why having only one income stream is a recipe for stress, and why legacy planning isn't just for the wealthy.Listeners will walk away with practical steps to strengthen their financial foundation.If you're serious about building lasting wealth and protecting your future, this episode is a must-listen.

This episode of The Power of Zero Show is part of David McKnight's podcast interview with Caleb Guilliams and Tom Wall, PhD. David touches upon a recent Ernst & Young study where whole life insurance was used as a buffer-type strategy. When it comes to the “risk continuum”, David sees IUL as slightly on the right side of whole life insurance. IUL is something worth doing only if you think that risk premium can get you a slightly higher rate of return over time. David recognizes that IUL has risks but that, in exchange for those risks, you can get somewhat of a higher rate of return.  Whole life policies aren't something David sees as designed to build money up and then take money out permanently. One of the reasons why David likes the IUL is because you can find a carrier that gives you a guaranteed 0% loan. Some may argue that Wade Pfau, who wrote the foreword for David's latest book, The Guru Gap, prefers whole life instead of IUL. David's stated objective is to build up your net worth as effectively as you can. His suggestion for the accumulation period is to save as well as you can and to mostly invest in stocks. David explains his preference for IUL over whole life policies.   Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Ernst & Young Dave Ramsey Wade Pfau

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 and how the fluctuation between zero and cap rates creates meaningful long-term growth with no risk to principal. Whether you're considering IUL or already own a policy, these historical results offer valuable perspective on what you can realistically expect. Next week, we'll compare these findings with whole life insurance performance to give you a complete picture of your cash value options. __________________________ Click Here to Contact Us and discover how our tailored policy design can strengthen your financial future.

This episode of The Power of Zero Show is part of David McKnight's conversation with Caleb Guilliams and Tom Wall, PhD. David touches upon the “dangerous partnership” between the American people and the IRS. David is an advocate for a balanced, comprehensive, approach to tax-free retirement – he explains why that's the case. One of the things David likes about IULs is the fact that they can perform specific applications that no other stream of income, such as Roth IRAs and Roth 401(k)s, can do. David goes over the unique trait of each of the streams of tax-free income he sees as key components of “the Holy Grail of financial planning”. A Roth IRA, for example, gives you immediate liquidity, while a Roth 401(k) gives you a match. A Roth Conversion allows you to convert an unlimited amount of assets to tax-free. Taking money out of your IRA up to your standard deduction allows you to get a deduction on the front end, grow your money tax-deferred, and take your money out tax-free. An IUL, on the other hand, enables you to get a death benefit in advance, for the purpose of paying for long-term care. A balanced, comprehensive, approach to tax-free retirement capitalizes on all the nooks and crannies in the IRS tax code. David is in agreement with a recent Ernst & Young study inviting people to have 30% of their retirement savings go towards cash-value life insurance. Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com TikTok Ernst & Young

Brian T. Bradley, JD. Esq. is a distinguished Asset Protection Attorney, Financial Planner, and #1 Best Selling Author of the book: Over Exposed! Brian is also a husband, father, and highly ranked Brazilian Jiu Jitsu practitioner. He is a sought-after educator and speaker in both the legal and financial spheres. Brian is the founder of Bradley Legal Corp and Bradley Financial Planning and is passionate about educating people against legal attacks on wealth and empowering people to take charge of your financial well-being by leveraging tools like The Hybrid Bridge Trust and personalized tax-deferred financial strategies. What You Will Learn: Who is Brian T Bradley? What led Brian Bradley to specialize in asset protection? How does he define asset protection, and why is timing important in establishing it? What misconceptions do people have about asset protection, especially in relation to taxes and trusts? What are the limitations of LLCs in providing asset protection? What types of trusts can be used for asset protection, and what are the differences between them? Why is it important for high-risk professionals to have a solid asset protection plan? What are the benefits of a hybrid trust in asset protection? What is the difference between term life insurance and permanent life insurance? How do whole life insurance and indexed universal life insurance (IUL) differ in terms of cash value and growth? Why is it important for individuals to consider both life insurance and asset protection in their financial planning? What are the advantages and disadvantages of using annuities compared to 401(k) plans? How can individuals ensure that their annuities are inheritable for their beneficiaries? What financial strategies should someone with real estate investments consider when planning for retirement? Why is it essential to have a comprehensive estate plan, and what elements should it include? How can individuals prepare for potential financial gaps, such as those arising from medical expenses or legal issues? What advice does he offer for planning and implementing financial protection strategies over time? Brian shares how everyone can contact him. Additional Resources from Brian T Bradley: Website: https://btblegal.com/ Email: brian@btblegal.com Phone: (888) 773-9399 LinkedIn: https://www.linkedin.com/in/brian-t-bradley-esq-a47a7b12/ Facebook: https://www.facebook.com/profile.php?id=100035926521724 X: https://www.x.com/TahoeVandals99 YouTube: https://www.youtube.com/channel/UC-9W72jqtV_ze45Lz6pwjgA Attention Investors and Agents Are you looking to grow your business? Need to connect with aggressive like-minded people like yourself? We have all the right tools, knowledge, and coaching to positively effect your bottom line. Visit:http://globalinvestoragent.com/join-gia-team to see what we can offer and to schedule your FREE consultation! Our NEW book is out...order yours NOW! Global Investor Agent: How Do You Thrive Not Just Survive in a Market Shift? Get your copy here: https://amzn.to/3SV0khX HEY! You should be in class this coming Monday (MNL). It's Free and packed with actions you should take now! Here's the link to register: https://us02web.zoom.us/webinar/register/WN_sNMjT-5DTIakCFO2ronDCg

David McKnight @DavidMcKnight the bestselling author of, The Power of Zero & Tom Wall, PhD in retirement income and the author of, Permission to Spend dialogue on indexed universal life (IUL) vs whole life insurance in retirement. Which is the right option for you and why do these two giants in the retirement industry prefer one product over the other.Sign Up for the Whole Life Insurance Summit: https://thewholelifesummit.com/Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultWant a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity ______________________________________________ ✉️ Email BetterWealth: https://bttr.ly/infoWEBSITE: https://betterwealth.com====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Building your wealth is just like layering up for a winter storm—protect yourself at every stage of life and investing journey. Discover how asset protection can work for you from day one, all the way to planning for post-retirement financial security! In this episode of Exit Strategies Radio Show, Brian Bradley, a distinguished Asset Protection Attorney, Financial Planner, and #1 Best Selling Author of Over Exposed dives into a comprehensive overview of building and protecting your wealth.  As the founder of Bradley Legal Corp and Bradley Financial Planning and highly ranked Brazilian Jiu-Jitsu practitioner, Brian walks us through the concept of layering in asset protection, likening it to dressing in winter layers. Starting from basic LLCs and insurance as the foundational layer, to more advanced strategies involving management companies and asset protection trusts, the episode emphasizes flexibility and planning at various stages of investing.  Brian talks about key strategies for ensuring your wealth stays secure as you age, including considerations like long-term care insurance, medical costs, and how to use indexed universal life (IUL) policies with long-term care riders to protect your assets. He also discusses how to prepare for retirement and set up annuities or rollovers to safeguard your income as you transition into your later years. Key Takeaways: 03:13 Brian's Background and Asset Protection 05:24 Asset Protection Basics 08:05 Advanced Asset Protection Strategies 11:34 Financial Planning and Insurance 16:33 Generational Wealth and Legacy 22:22 Hybrid Trusts Explained 26:25 Final Thoughts and Takeaways Brian's book, Overexposed: How to Create Ironclad Protection for Your Wealth and Make Your Assets Untouchable with a Hybrid Trust, provides a detailed breakdown of asset protection strategies, including the ins and outs of hybrid asset protection trusts. This book is a must-read for anyone serious about securing their wealth for future generations. Connect with Brian@: E-mail address: brian@btblegal.com LinkedIn: https://www.linkedin.com/in/brian-t-bradley-esq-a47a7b12/ Website: https://btblegal.com/  YouTube: https://www.youtube.com/channel/UC-9W72jqtV_ze45Lz6pwjgA Connect with Corwyn@: Contact Number: 843-619-3005 Email: corwyn@corwynmelette.com Instagram:⁠ https://www.instagram.com/exitstrategiesradioshow/⁠ FB Page:⁠ https://www.facebook.com/exitstrategiessc/⁠ Youtube:⁠ https://www.youtube.com/channel/UCxoSuynJd5c4qQ_eDXLJaZA⁠ Website:⁠ https://www.exitstrategiesradioshow.com⁠ Linkedin:⁠ https://www.linkedin.com/in/cmelette/⁠ Shoutout to our Sponsor: ROBYN COLLINS Do you want something more? More Meaningful Moments opportunities, deeper relationships and memorable experiences? Do you want to make a difference? If you say YES, a career and real estate could be the opportunity you're looking for guiding people to one of the most important decisions they ever made, the purchase or sale of their home can be both rewarding and lucrative.  Exit Realty has a revolutionary compensation model training and technology that provides you with the tools you need to start and build your successful real estate career. Call me today  ROBYN COLLINS with REDROBYN HOMES at 843-557-5003. Again that's 843-557-5003 or visit RedRobynhomes.com/join.exit and make your Exit today.

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 investments for retirement income planning. We discuss real scenarios from recent years, including market volatility in 2020 and 2022, to demonstrate how different retirement strategies perform under stress. If you've wondered whether you should focus on market investments, IUL, or a combination of both, this episode offers a straightforward look at the numbers and trade-offs you need to consider. ________________________________ If you'd like to take a look at a policy for yourself, we'd love to help, just click right here to contact us. 

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 needs over a 30-year retirement. We keep it practical and focused on what matters most: generating reliable, spendable income throughout your retirement. IUL's combination of tax efficiency and low volatility demonstrates how this tool can help you prepare for significant life changes, including late-life expenses like long-term care. _______________________________ If you'd like to explore using an IUL policy to build out a portion of your retirement income plan, please click here to contact us. We can help.

Join us for this week's Product Call with Gina Hawks as she goes over how to do IUL illustrations with F&G. It's a great chance to learn and sharpen your skills to help more clients—don't miss out!

This week hosts Anthony Faso and Cameron Christensen unravel the complexities of financial products to guide you toward building steadfast wealth. Anthony and Cameron take a deep dive into the world of Indexed Universal Life (IUL) insurance, often humorously dubbed the "redheaded stepchild" of insurance products. Drawing from the financial philosophies of Robert Kiyosaki and Nelson Nash, they dissect the intricacies of IUL, Universal Life, and Whole Life insurance, exposing risks, benefits, and the underlying market trends that shape these products. With casual banter and insightful analogies, they strive to help listeners make well-informed decisions about their financial futures. Don't miss this episode packed with invaluable insights and practical tips!   Resources: Join the Infinite Wealth Study Group: https://www.facebook.com/share/g/qC3sAWg6PhHYpRAs/  Schedule your 15-minute call with Anthony or Cameron here: http://bit.ly/iwc15podcast Check our online course at www.InfiniteWealthCourse.com Buy Becoming Your Own Banker by R. Nelson Nash http://bit.ly/BYOBbookIWC 

In this episode of the Main Street Business Podcast, Mark J. Kohler and Mat Sorensen break down the complexities of Roth IRAs versus IULs. They discuss how Roths provide tax-free growth and accessibility, while IULs offer insurance benefits but demand careful financial management.Here are some of the highlights:Mark and Mat begin by introducing the topic of discussion, noting the popularity of IULs among young people and the confusion surrounding their use as a retirement alternative.Mark shares a personal anecdote about his cousin considering a life insurance policy for retirement, highlighting the need for careful consideration.Mat explains the basics of IULs, including their combination of term life insurance and a cash value component that grows tax-free.Mark and Mat touch on the ease of accessing contributions in a Roth IRA versus the longer-term access of IUL cash value.They identify the ideal target audience for IULs as those with stable income and a need for both death benefit and investment growth.Roth IRAs should be the starting point for most people, followed by a consultation with a trusted advisor for IULs.The importance of individualized advice and the potential benefits of IULs for those with specific financial needs and stable income.How Roth IRAs offer a simpler, more accessible entry point for long-term wealth building. Grab my FREE Ultimate Tax Strategy Guide HERE! Are you ready to get certified in EVERY strategy I teach? Start your journey with a FREE 15-minute demo to explore the Main Street Tax Pro Certification. You don't want to miss this! Secure your tickets for the most significant tax & legal event of the year: Tax and Legal 360 Looking to connect with a rock star law firm? KKOS is only a click away! Check out our YOUTUBE Channel Here: https://www.youtube.com/markjkohler Craving more content? Check out my Instagram!

When it comes to financial security and control, many people seek clarity around Infinite Banking and the role life insurance plays. The idea of using whole life insurance to gain financial control, create guaranteed growth, and build generational wealth sparks curiosity about how life insurance companies actually manage the funds. In today's post, we're exploring where life insurance companies invest their money. https://www.youtube.com/live/zoWGLogOJk4 Many people bring misconceptions into conversations about finance, especially around life insurance. They're often convinced by past experiences or teachings that certain financial products or strategies are inherently “better.” However, as Bruce Wehner shared recently on our podcast, one of his clients experienced a breakthrough moment—a realization about why using whole life insurance with a shorter, more limited period to pay premiums actually limited his options later. With a longer, more flexible term, he gained more control, allowing him to maximize the power of his policy long-term. Moments, like these highlight that, sometimes, truly understanding a financial concept, requires experience. In this blog, we'll address these essential questions: Where Do Life Insurance Companies Invest Their Money? Why Not Indexed Universal Life (IUL) for Infinite Banking? Mutual Companies vs. Mutual Holding Companies: What's the Difference? Is the interest on a life insurance loan variable, and can it change while there's an outstanding loan? Where Do Life Insurance Companies Invest Their Money?Why Not Indexed Universal Life (IUL) for Infinite Banking?Mutual Companies vs. Mutual Holding Companies: What's the Difference?Is the interest on a life insurance loan variable, and can it change while there's an outstanding loan?Why This Matters for Your Financial FutureBook A Strategy Call Where Do Life Insurance Companies Invest Their Money? One common question we hear is, “How do life insurance companies invest their money, i.e. the premiums they collect?” Understanding this can add peace of mind about how your policy will perform in the long run. Due to stringent regulations, life insurance companies are required to invest conservatively to ensure they can always meet their policyholder obligations. Here's a breakdown of their primary investment allocations: Bonds: Approximately 85% of a life insurance company's assets are invested in bonds, both from U.S. Treasury and corporate issuers. Bonds provide a stable and predictable income stream, essential for meeting guaranteed cash value growth. Mortgage-Backed Securities: Many companies also invest in highly collateralized real estate mortgages. These are chosen for their relatively low risk and consistent returns. Derivatives: Some life insurance companies hold a small portion of their assets in derivatives—about 3-4%. While derivatives can be riskier, insurance companies manage them very carefully to limit exposure. Policy Loans: Another portion of the company's revenue comes from loans to policyholders. Interestingly, life insurance companies appreciate the stability these loans provide. Since they hold the policy's cash value as collateral, they reduce long-term liabilities for the company and simultaneously offer a secure, predictable return. This blend of conservative investments enables life insurance companies to provide the guarantees that form the backbone of whole life insurance policies. Why Not Indexed Universal Life (IUL) for Infinite Banking? One of the first questions we often hear is: “Isn't Infinite Banking a strategy that can be used with different insurance products, like IUL or whole life?” Let's clear that up. Infinite Banking is a cash management strategy. It's a process of storing and accessing your capital, and it allows you to earn interest on your money even when you're using it. The critical part of Infinite Banking is uninterrupted compound growth.