Podcasts about Life insurance

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What does it really take to build a successful insurance organization—and make sure the agents inside it are actually succeeding? In this episode of the Life Insurance Academy Podcast, we sit down with Cayden Sanchez, co-owner of Sniper Insurance, whose journey into the insurance industry has been anything but conventional. Cayden shares how he went from selling just one policy in his first eight months, stepping away from insurance, and building successful sales teams in other industries to returning with a completely different perspective on what an insurance organization should look like. Today, Sniper Insurance is growing rapidly alongside Dana Neeson and Empower Life Group—but Cayden says the goal isn't simply more production. It's developing profitable agents who understand exactly what their next step should be. We dive into: • Why production numbers don't always tell the full story • The difference between being busy and doing money-making activities • Why new agents often become paralyzed by a lack of clarity • How individualized onboarding can outperform a cookie-cutter system • Why Cayden believes simplicity creates confidence and certainty • The process Sniper Insurance uses to develop new agents • Building profitable agents instead of simply recruiting more people • Why personal development and professional development often go hand in hand • The importance of treating agents like people—not production numbers • The lessons Cayden learned from leaving insurance and eventually coming back Whether you're a brand-new life insurance agent, an experienced producer, or building your own agency, this conversation challenges some common assumptions about growth, leadership, training, and what agents actually need to succeed. If this episode helps you, be sure to like the video, subscribe to Life Insurance Academy, and share it with another agent who needs to hear this conversation.  

Get 30 Days of Merlin free at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MerlinCrypto.Com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Seven percent mortgage rates are back for the first time since early 2025, and the couple who spent three years "waiting for rates to drop" just found out waiting has a price. In this episode, I break down why a war in Iran, $6.50 diesel, and a 10-year Treasury above 5% are setting your mortgage rate from rooms you'll never be invited into, and why the people who spent those years getting ready are winning right now. Plus the part nobody's talking about: for the first time in almost twenty years, the safest asset on the planet is finally paying savers and investors real money. Then I take you inside my own businesses. 3T Warrior Academy and Age of Radio are both virtual, which means I'm almost never in the same room as the people producing the revenue. I talk about what makes me suck at holding people accountable, and what I am going to do about it! This week's Financial Axiom: Rates are set by the world. Your readiness is set by you. Two questions for the comments: what's one thing you're doing right now to get ready, and what's the one number in your business or your job that would tell you the truth every week? Be thankful, grateful, and kind. Enjoy! Join the Age of Radio Discord | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://discord.gg/EeamD8WcjN⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow me on Goodpods ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://goodpods.app.link/usUyBZzhuNb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Free Financial Consultation: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/B6nNZ2FbxbhESCHg9⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Red Wizard Gaming Society: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://discord.gg/9D43EszdUB⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠   DM if you are interested in Life Insurance! If you or someone you know has been struggling or in crisis please call or text 988 or chat ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠988lifeline.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  

Get 30 Days of Merlin free at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MerlinCrypto.Com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The 30-year Treasury just hit its highest yield since 2002, and we break down what it means for your bonds, your stocks, and your mortgage. In a Lightning Round OpenAI's revenue is on pace for nearly $70 billion, Apple's new CEO shakes things up, and AI's biggest names head to the White House. In What the Fed, the hawks line up for another rate hike, and one Fed president warns the fight against inflation is "going to be painful." In The Americas, Canada moves to become an energy superpower and Ecuador's tuna capital gets caught in a drug war at sea. We close with El Salvador trading its bitcoin dream for digital dollars. Every story comes with what it means for your money. Educational content only. Not investment advice! Enjoy! Join the Age of Radio Discord | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://discord.gg/EeamD8WcjN⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow me on Goodpods ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://goodpods.app.link/usUyBZzhuNb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Free Financial Consultation: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/B6nNZ2FbxbhESCHg9⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Red Wizard Gaming Society: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://discord.gg/9D43EszdUB⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠   DM if you are interested in Life Insurance! If you or someone you know has been struggling or in crisis please call or text 988 or chat ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠988lifeline.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  

If you are an employee of Roehl Transport, you enjoy access to a robust lineup of employee benefit options. In this episode, you'll hear from Sara Y., Manager - Benefits, about Basic & Supplemental Life Insurances, Bereavement & Medicare Benefits through Roehl. Learn even more at https://www.roehlbenefits.com

The life insurance exam is NOT hard — but it is extremely tricky. This full training session breaks down one of the MOST important topics on your exam:  Unfair Marketing Trade Practices. These questions appear on every state exam and often decide whether you pass or fail. In this lesson, you'll learn the exact definitions, rules, and real exam traps behind: defamation, rebating, misrepresentation, false advertising, claims practices, fraud, coercion, unfair discrimination, commingling, and twisting. You'll also learn WHY these concepts are heavily tested and how to spot trick questions that look correct but are actually designed to confuse you. This video also explains the system that Minzo Pass students use to achieve a 98% pass rate — including mastering core concepts and completing 1,500+ practice questions so the real exam feels familiar, not scary. What You'll Learn in This Episode Why now is the best time to enter the insurance industry The 10 Unfair Trade Practices every student must know What defamation really means for insurance agents False advertising rules (one of the most missed concepts) Misrepresentation vs. honest mistake Rebating explained in simple, everyday language Fraud and the only two reasons policies can be canceled Coercion, intimidation & boycott Commingling and why agents must keep funds separate What counts as unfair discrimination Why insurance companies can discriminate by age & gender — but not race or ethnicity The difference between legal vs. unfair discrimination Real-life examples + detailed exam-style explanations The proven “core concepts → 1,500 practice questions” system If you've ever struggled with these terms or felt overwhelmed by how much the exam tries to trick you, this video will make everything finally click. 

For business owners, life insurance can become much more than income protection. As your business and wealth grow, questions around future tax liabilities, estate equalization, business obligations, and transferring wealth can make the right insurance structure increasingly important. In this episode, Frankie and Sarah welcome Hemal Balsara, Head of Tax, Retirement and Estate Planning at Manulife, to explore how life insurance can support different planning needs. They look at term and permanent insurance, health and financial underwriting, conversion features, and how permanent policies may fit into tax and estate planning. They also explore corporate-owned life insurance, the capital dividend account, and why policy ownership and beneficiary designations require careful consideration. For business owners, choosing a life insurance policy isn’t only about how much coverage to buy. The type of policy, underwriting requirements, conversion options, ownership structure, and beneficiary designation can all affect how that coverage fits into a broader tax and estate plan. Listen to the full episode to hear what Frankie, Sarah, and Hemal say business owners should understand as they evaluate those decisions. Frankie, Sarah, and Hemal discuss: What business and estate planning needs can life insurance help address? How can term and permanent life insurance serve different planning needs over time? Why do health, financial underwriting, and conversion features matter when choosing coverage? How can corporate-owned life insurance and beneficiary designations affect tax and estate planning? Connect with Frankie Loreto and Sarah Netley:  Courtice.BakerTilly.ca LinkedIn: Baker Tilly Canada LinkedIn: Frankie Loreto LinkedIn: Sarah Netley Call: (905) 579-5659 Connect with Hemal Balsara: Manulife LinkedIn: Hemal Balsara About our Guest:  Hemal Balsara is Head of Tax, Retirement and Estate Planning at Manulife, where his work focuses on providing tax, retirement, estate, and insurance planning support to advisors navigating complex planning situations. His areas of focus include life insurance, retirement and estate planning, corporate planning, wealth transfer, and the tax implications associated with different insurance structures. In this episode, Hemal shares his perspective on how life insurance can address both temporary and permanent needs, while explaining considerations around underwriting, policy ownership, beneficiary designations, and corporate-owned insurance.

I Brought The Biggest Minds In Life Insurance Into One Room for the largest life insurance event BetterWealth has ever hosted. In this vlog I take you behind the scenes with top life insurance experts such as, Van Mueller, Garrett Gunderson, David McKnight, @TheChrisNaugle , Ed Slott, Tom Wall, Russ & Joey from @WealthWithoutWallStreet Revan Vega (Previously Chris Kirkpatrick - @LIFE180 ) and many more powerful voices. Watch the Interview on Youtube for Visuals - https://youtu.be/7Byc9mTgi9kBuy Your Early Bird Tickets For The 2027 Life Insurance Summit & Save $300: https://lifeinsurancesummit.com/ Chapters: 00:09 - Green Room & Behind the Scenes Setup 03:06 - Recap of Day One Interviews 05:05 - Caleb's Opening Remarks & Event Theme 08:26 - Human Life Value vs. Property Value (Michael Isom) 10:27 - Changing the World One Appointment at a Time (Van Mueller) 11:18 - Life Insurance Title Belt Presentation 12:52 - The Power of Income Tax Exemption ( @EdSlottandCompanyIRA ) 13:46 - Retirement from Financial Events ( @GarrettGundersonTV ) 16:06 - Intrinsic Value in Financial Planning (Joe Jordan) 16:51 - Event Overview & Speaker Lineup 18:26 - Day 3 Opening & Takeaways 20:11 - Justin Donald @thelifestyleinvestor 21:05 - David McKnight - Life Insurance Tax Strategy ( @DavidMcKnight ) 22:25 - Lunch Pods & Mid-Day Recap26:41 - Event Takeaways With Tom Gober 26:58 - Event Closing Remarks & Gratitude 31:46 - Book Signing Factory & Team Wrap-Up Learn More About BetterWealth: https://betterwealth.com/home/yt 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.

Get 30 Days of Merlin free at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MerlinCrypto.Com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ An OpenAI model broke out of its training sandbox and reached the internet, and it took humans over two hours to stop it. We also cover the bond market's fear gauge flashing its biggest warning since March. In What the Fed, the hawks are calling for more rate hikes while the White House fires back, and the 10-year Treasury hits its highest level since 2007. In The Americas, Canada's population growth hits its slowest pace since World War II, and U.S. troops join drug raids on the ground in Ecuador. We close with Crypto: North Korea-linked hackers hit the exchange Bitget for $357 million, pushing their haul for the year past $1 billion. Each story comes with what it means for your money. Enjoy! Join the Age of Radio Discord | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://discord.gg/EeamD8WcjN⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow me on Goodpods ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://goodpods.app.link/usUyBZzhuNb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Free Financial Consultation: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/B6nNZ2FbxbhESCHg9⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Red Wizard Gaming Society: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://discord.gg/9D43EszdUB⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠   DM if you are interested in Life Insurance! If you or someone you know has been struggling or in crisis please call or text 988 or chat ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠988lifeline.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  

Is a MEC really as bad as everyone in infinite banking says? In Farming Without the Bank Episode 373, Mary Jo Irmen and John Hasche break down when a Modified Endowment Contract actually makes sense. Most life insurance  agents will tell you: never MEC, never MEC, never MEC. But what if you just sold a dairy, a farm, or a business and have a one-time lump sum of $2-3 million with no future cash flow to pay premiums? Mary Jo and John walk through a real client case study — 54-year-old son and 82-year-old dad splitting ~$3M after liquidating a California dairy — and compare the numbers. In this episode: What is a MEC? FIFO vs. LIFO, why loans become taxable, and why the death benefit is still income tax-free Why a MEC can't be reversed + the 30-day letter you must open Case study #1: $2M single-pay on a 54-year-old — $4.4M death benefit day one, $1.8M cash value, when taxes hit in year 4 and why borrowing every year resets your basis Why age matters: $132k/year of taxable growth at 69, $178k at 79, $200k+ at 89 Case study #2: $2M single-pay on 82-year-old dad — $2.4M death benefit, only ~$60k/year growth to pay tax on, $3M+ at age 97 3 times a MEC does work: borrow years 1-3 to buy a cash-flowing asset then stop, older insureds, long-term care / trust-owned policies The 1035 exchange loophole: how existing cash value can fund a single-pay without MECing The 10% penalty under age 59 1/2 most people forget Why you can't get this answer by email — goals, retirement plans, ranch vs. rentals, and future cash flow determine the strategy If you came into a large lump sum and want a single-pay premium without paying premiums forever, don't guess if a MEC is right for you. Book a meeting and walk through the numbers. Chapters: 00:00 MECs Aren't Always Bad 00:29 How MEC Taxation Works 03:45 Age Matters With MECs 04:27 Avoiding Accidental MECs 06:36 Client Case Lump Sum 09:24 Single Pay MEC Numbers 11:46 Basis Reset And Taxes 15:11 Alternative Insure Dad 18:25 When MEC Strategy Fits 20:41 More MEC Use Cases 23:04 Client Education Matters 26:12 Wrap Up And Next Steps Buy the book: https://www.FarmingWithoutTheBank.com/book  Email Mary Jo: MaryJo@WithoutTheBank.com Audio Production by Podsworth Media - https://podsworth.com 

What does family banking look like when the goal is bigger than simply accumulating money? In this Infinite Banking Roundtable, we discuss how the Infinite Banking Concept (IBC) can intersect with family values, family business, teaching children, access to capital, and intentionally building a generational legacy.The conversation explores family banking as more than a financial strategy: How do we teach the next generation our principles? How can family capital support productive family members and businesses? What roles might family meetings, trusts, constitutions, entrepreneurship, and intentional financial education play in keeping both capital and values within the family? We also discuss the reality that building a lasting family legacy requires more than financial assets—it requires deliberate teaching, communication, responsibility, and shared principles across generations.Guests:Jodi LaFranceFacebook: https://www.facebook.com/share/1AnfxniHcD/?mibextid=wwXIfrInstagramhttps://www.instagram.com/jodilafrance?igsh=a3JkNGg5b3M1cWM4&utm_source=qrLinkedIn https://www.linkedin.com/in/jodi-lafrance-761349212?utm_source=share_via&utm_content=profile&utm_medium=member_iosTricia Millerwww.banklessbydesign.com Email: tricia@banklessbydesign.comWill Fullington: reformedfinance.netEmail: will@reformedfinance.netPhone:  702-527-1776David Hammer:Email: hammerd3@gmail.comPhone: 201–709–6158Rob Brayton: www.perfectspiralcapital.comHis Book: www.afathershandbook.comYoutube: https://youtube.com/@robbraytonpsc?si=EnllETF3VVrc2zer⚔️ “LIVE & LEAVE A LASTING LEGACY”

This episode is live from the Santa Monica Peir at Insurance Fest 2026. Sponsors:Canopy Connect -Making it easier for agencies to collect insurance information directly from clients and prospects, helping speed up the quoting process and improve the customer experience.Bind AI-  An AI-powered digital teammate built to help insurance professionals automate repetitive work, increase efficiency, and give their teams more time to focus on the human side of the business. V!VA-  Helping insurance agencies scale with trained virtual professionals who can support service, operations, marketing, and more giving your team additional capacity without sacrificing the customer experience. 

Coleton Collins went from working security at bars in Arizona to building a $60 MILLION life insurance agency from scratch. Today, his Agency, Execute Financial is one of the powerhouses at Family First LifeIn this episode, Coleton breaks down the journey behind the growth.. the early days, the mindset shifts, and what it actually took to build an agency at this level.We get into:• Going from bar security to life insurance• Building an agency from the ground up• The lessons learned while scaling• Recruiting, leadership, and developing a winning culture• The mindset required to operate at a high level• Mistakes, setbacks, and what Coleton would do differently• What separates the people who make it in insurance from those who don'tWhether you're already in life insurance, building a sales organization, or simply trying to change the trajectory of your life, Coleton's story is proof of what can happen when you fully commit to the opportunity in front of you.Other Social Media channels: Subscribe to my main channel "Austin Zaback" https://www.youtube.com/c/AustinZabackSubscribe to my Podcast Channel "The Austin Zaback Show" https://www.youtube.com/c/TheAustinZabackShowFollow me on Social Media:https://www.instagram.com/austinzaback/https://www.tiktok.com/@austinzaback

In less than 2 years Chase Blakely has built his life insurance agency, nitehawk financial, into a powerhouse doing over $1.6 MILLION per month.In this episode, I sit down with Chase to break down exactly how he built and scaled his agency so quickly and what separates agencies that grow from those that constantly struggle.We dive into:• How Chase built his agency from the ground up• The recruiting strategies that helped him scale• How to attract and develop the right agents• The importance of writing GOOD, profitable business• Common mistakes life insurance agency owners make• Building systems that can handle rapid growth• What Chase would do differently if he had to start over• The mindset and standards required to build at this levelIf you're a life insurance agent, agency owner, or you're looking to build a serious insurance business, this episode is packed with lessons you can apply immediately.Join My Life Insurance Company, Email Me for more Info: mojdeh@austinzaback.comFollow Chase: https://www.instagram.com/chase_blakleyOther Social Media channels: Subscribe to my main channel "Austin Zaback" https://www.youtube.com/c/AustinZabackSubscribe to my Podcast Channel "The Austin Zaback Show" https://www.youtube.com/c/TheAustinZabackShowFollow me on Social Media:https://www.instagram.com/austinzaback/https://www.tiktok.com/@austinzaback

Life Insurance Is NOT A Luxury. Thinking about canceling your life insurance when money gets tight? In this episode of Without the Bank, Mary Jo Irmen explains why that's when you need it the most — and what to do instead. Mary Jo breaks down real client stories: job loss, buying a new house, having kids — and why infinite banking  policy owners have options like borrowing cash value and paying interest-only instead of canceling. Learn how a whole life policy cash-flows around year 3-4, breaks even around year 7-10, and gives you uninterrupted compound interest + dividends while you be your own bank  for farming, business, and family protection. If you're practicing the infinite banking concept , this is a must-listen mindset reset on Parkinson's Law, lost opportunity cost, and why beer, eating out, and private school are luxuries — death benefit protection is not. In This Episode: Why clients want to cancel after job loss, new house, or kids How to use cash value to keep your premium paid Borrow + pay interest-only vs. cancel and start over When your policy becomes a pass-through entity Why young families need this most Chapters: 00:00 Canceling Policy Reality Check 00:34 Life Insurance Necessity 01:01 Job Loss Premium Options 03:36 Parkinsons Law Trap 05:54 Kids Budget Priorities 08:43 Young People Die Too 09:13 Cash Flowing Policy Explained 11:30 Opportunity Cost Example 12:59 Avoid Emotional Cancellations 16:47 Scam Talk And Influence 17:45 Client Only Summit Invite 19:32 Wrap Up And Next Steps Buy the book: https://www.WithoutTheBank.com/Book/  Email Mary Jo: MaryJo@WithoutTheBank.com 

Phillip Snyder, CLU, The Warner Companies, addresses a critical challenge facing the life insurance industry: client retention. According to recent LIMRA research, 40% of policyholders rarely or never hear from their insurer after purchase.

Is whole of life insurance too expensive, or can it be a valuable part of financial and inheritance tax planning in the UK? Pete Matthew is joined by Justin Harper, Chief Marketing Officer at LifeSearch, to explain how whole of life cover differs from term life insurance, how premiums are calculated and whether they can be guaranteed for life. They explore later-life uses, funeral costs, inheritance tax liabilities, policy reviews, surrender values and the risk of paying more in premiums than the eventual payout. You'll also learn when an alternative may be more suitable and how to decide whether whole of life insurance is right for you. LifeSearch - https://meaningfulmoney.tv/lifesearch *affiliate Shownotes: https://meaningfulmoney.tv/session638 

President Trump touted a "useful" meeting between U.S. and Iranian officials hours after threatening to "annihilate" the nation during his speech at the United Nations General Assembly. Meanwhile, he's set to host Chinese President Xi Jinping at the White House. Nearly 47% of American households say they feel financial hardship after a primary wage earner dies, according to a recent survey, which is where life insurance comes in. Jill Schlesinger joins with more.Zibby Owens sits down with "CBS Mornings" to discuss her new book "Between Chapters: How I Started Over, Took Some Chances, and Found the Plot .""Lioness" actor Michael Kelly sits down with "CBS Mornings" to discuss the season 3 finale of the popular series.

Want to sell bigger life insurance policies? Cody Askins sits down with Louis-Xavier Savard, President of Groupe Financier Signature, to discuss building trust with wealthy clients, competing for larger cases, and why agents need to stop selling with their own wallets. Louis-Xavier also shares lessons from closing a life insurance policy with a $1 million annual premium!

A mentor from my youth recently passed away, and it reminded me just how fleeting life really is. We spend so much time thinking about protecting our money, property, businesses, and other assets—but your number one asset is your life itself. In this short video, I reflect on life, legacy, and why protecting your human life value through life insurance is ultimately about protecting the people and purposes that depend on you.Financial planning matters. Building wealth matters. But none of it should cause us to forget the irreplaceable asset at the center of it all: your life and the legacy you leave behind.⚔️ LIVE & LEAVE A LASTING LEGACY

Get 30 Days of Merlin free at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MerlinCrypto.Com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Most of America's wealth isn't sitting with the billionaires on your timeline. It's quietly owned by dentists, car dealers, contractors, and distributors in every town across the country. In this episode of Age of Jeremy, we break down the new book The Everywhere Millionaire and what the hidden top 0.1% can teach you about building wealth on any income, whether you're a W-2 earner or an entrepreneur. Then we go back to 1840s Pittsburgh, where a teenage mill worker waited all week for Saturday so he could borrow a book. That kid became Andrew Carnegie, and he went on to build more than 2,500 libraries. We look at why libraries still matter, the fights over their future, and how your library card might be the highest-return investment you're not using. Two financial axioms to take with you: Quiet money compounds. Loud money consumes. And borrowed books build owned wealth. What's one piece of quiet money you're building this year? Let me know in the comments. This episode is for educational purposes only and is not individual financial advice. Be thankful, grateful, and kind. Enjoy! Join the Age of Radio Discord | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://discord.gg/EeamD8WcjN⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow me on Goodpods ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://goodpods.app.link/usUyBZzhuNb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Free Financial Consultation: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/B6nNZ2FbxbhESCHg9⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Red Wizard Gaming Society: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://discord.gg/9D43EszdUB⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠   DM if you are interested in Life Insurance! If you or someone you know has been struggling or in crisis please call or text 988 or chat ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠988lifeline.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  

A Chicago academic's business of projecting life expectancy is under scrutiny amid a court battle between rival firms that make bets on life insurance policies. Crain's contributor Steven Strahler joins host Jeanne Sparrow to untangle the legal saga.Plus: The Illinois EPA's new Climate Action Plan still falls short on zero emissions, Crystal Lake's Aptar loses its Russian plant, offices in the Marshall Field building hit the market and Illinois grew the science for a breakthrough cancer drug, but couldn't hold onto the company. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Get 30 Days of Merlin free at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MerlinCrypto.Com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The President called his own Fed Chairman before the vote — and we've got the clip. On this episode of Markets Radar, Jeremy breaks down the fallout from the Fed's first rate hike in three years, fact-checks Trump's claim that America is "the best credit in the world" (spoiler: check the scorecards), and explains why a 1% interest rate would pour gasoline on the inflation fire. Then: Iran diplomacy sends oil sliding and stocks toward record highs, Meta's new AI agent Muse triggers a brutal selloff in "consumer inertia" stocks — banks, insurers, even gym chains — Canada fast-tracks billions in infrastructure to escape the U.S. trade war, and the on-chain paper trail behind World Liberty Financial's $594 million windfall.

Is an employer 401(k) match really “free money”—or are there costs and tradeoffs that are easy to overlook? In this Infinite Banking Roundtable, we examine the conventional advice to contribute enough to a 401(k) to receive the employer match and ask what that decision looks like through the lens of the Infinite Banking Concept (IBC).Our panel discusses control, access to capital, vesting, fees, taxes, ownership, employer rules, opportunity cost, and retirement planning, while comparing conventional qualified retirement-plan thinking with the principles taught by R. Nelson Nash in Becoming Your Own Banker. This isn't simply a question of whether a 401(k) match has value; it's a conversation about understanding the total cost, restrictions, and loss of control that may accompany it before deciding what's right for you.Guests:Jodi LaFranceFacebook: https://www.facebook.com/share/1AnfxniHcD/?mibextid=wwXIfrInstagramhttps://www.instagram.com/jodilafrance?igsh=a3JkNGg5b3M1cWM4&utm_source=qrLinkedIn https://www.linkedin.com/in/jodi-lafrance-761349212?utm_source=share_via&utm_content=profile&utm_medium=member_iosTricia Millerwww.banklessbydesign.com Email: tricia@banklessbydesign.comWill Fullington: reformedfinance.netEmail: will@reformedfinance.netPhone:  702-527-1776David Hammer:Email: hammerd3@gmail.comPhone: 201–709–6158Rob Brayton: www.perfectspiralcapital.comHis Book: www.afathershandbook.comYoutube: https://youtube.com/@robbraytonpsc?si=EnllETF3VVrc2zer⚔️ “LIVE & LEAVE A LASTING LEGACY”

Get 30 Days of Merlin free at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MerlinCrypto.Com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Everyone saw the 2 PM headline, but do you know how to actually read it? In this Special Report, we go deeper, into the bond market itself: why bond prices and yields move in opposite directions (and how duration tells you exactly how much), the three-stage roadmap bond desks use to digest every Fed decision; the statement, the dot plot, the press conference, and how Strategy Inc. turned a preferred stock into a live fixed-income experiment: 845,050 bitcoin, a $5.1B dollar reserve, and a 12% dividend they're using as a steering wheel. Whatever the Fed did Wednesday, this episode shows you how to read it. Enjoy! Join the Age of Radio Discord | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://discord.gg/EeamD8WcjN⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow me on Goodpods ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://goodpods.app.link/usUyBZzhuNb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Free Financial Consultation: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/B6nNZ2FbxbhESCHg9⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Red Wizard Gaming Society: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://discord.gg/9D43EszdUB⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠   DM if you are interested in Life Insurance! If you or someone you know has been struggling or in crisis please call or text 988 or chat ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠988lifeline.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  

Should you use permanent life insurance to cover long-term care? Does converting a $1M pre-tax account before you stop working make mathematical sense? In this episode of Allworth's Money Matters, Scott and Pat walk through real-world portfolio case studies, dissect common tax myths, and break down where aggressive financial pitches fall short. Topics covered in this episode: The Rise of Prediction Markets: Why momentum traders are shifting from crypto to event betting, and how speculative traps disguise themselves as investing. Commercial Real Estate Realities: A look at how major leveraged properties can collapse, and the timeless importance of broad diversification. Caller Case Study (Jonathan): Evaluating a seminar pitch on life insurance with long-term care riders, understanding pure insurance costs, and deciding when self-insuring makes sense with a $2.5M portfolio. Caller Case Study (Jeff): Debunking the “zero taxes” pitch. Scott and Pat explore the math behind Roth conversions, the difference between marginal brackets, and why high earners shouldn't rush conversion timing before RMD age. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.  

This week in Insurance Town, Mayor sits down with longtime friend and fellow insurance leader Heath Barnett, co-owner of Legacy, for a conversation about growth, culture, ownership, and building a business people actually want to be part of.Heath Barnett is an insurance agency leader and co-owner of Legacy. After beginning his career in the captive insurance world, Heath transitioned into the independent channel and helped build Legacy into a multi-state insurance organization.His leadership philosophy centers on developing people, creating opportunities for ownership, giving local leaders autonomy, and building an organization where professional success doesn't have to come at the expense of family and the things that matter most.Heath's story starts in Memphis, Texas, where he grew up around agriculture, small-town relationships, and a family Farmers agency. After working alongside his grandfather and eventually purchasing the agency, Heath began seeing opportunities beyond the captive model. That journey ultimately led him into the independent insurance world and to what has become Legacy—an organization that has grown to roughly 250 people across multiple states.But this episode isn't simply about getting bigger.It's about how you grow without losing who you are.Heath and Mayor talk about the importance of training agents to understand what they are actually selling instead of competing on price alone. They dig into what the captive world can teach independent agencies about carrier training and development, why Legacy intentionally recruits coaches and teachers, and why the right culture can become one of the strongest recruiting and retention tools an agency has.They also get into ownership, succession planning, producer autonomy, burnout, family priorities, faith, and creating an organization where people have the opportunity to build something of their own.If you're an agency owner thinking about growth, recruiting, producer development, culture, or succession, there are plenty of nuggets in this one.Episode Timestamps00:00 – Welcome to Insurance Town03:21 – Meet Heath Barnett09:27 – Leaving the captive model for the independent channel10:34 – Rebuilding culture in the independent insurance world15:43 – What Farmers got right about training and support18:26 – Stop selling price and start understanding the product21:54 – Why Legacy recruits coaches and teachers29:19 – Burnout, family priorities, and faith at work32:53 – The original vision for Legacy's growth36:54 – Why producers choose the Legacy model41:41 – Ownership, succession, and protecting an agent's book43:42 – Why Legacy moved beyond the traditional last-name agency model44:53 – Connecting with Heath Barnett and Legacy45:45 – Legacy's growing multi-state footprint46:02 – What could be next for Legacy49:19 – Texas football, Texas Tech, and the Longhorns51:15 – Closing thoughtsLearn more about Legacy at legacyinsurance1.com.Proud Partners of Insurance TownCanopy ConnectStop chasing down declaration pages and PDFs. Canopy Connect helps insurance professionals collect verified insurance information directly from prospects and clients in seconds, creating a faster and easier experience for everyone involved.Bind AIFormerly 1Fort, Bind AI is helping insurance organizations put AI to work as a digital teammate—supporting workflows, increasing capacity, and helping teams spend more time on the work that requires human judgment and relationships.V!VA Virtual SolutionsV!VA helps insurance agencies build effective virtual teams by focusing on more than simply placing a VA. Their approach centers on processes, training, accountability, and helping agencies create measurable return on their investment.Insurance Town listeners can receive $1,000 off when getting started with V!VA Virtual Solutions.Thank you to our partners for supporting Insurance Town and helping us continue bringing real conversations, practical ideas, and stories from people doing the work across the insurance industry.One change I particularly like here is positioning the episode around the question, “How do you grow without losing who you are?” That feels very on-brand for Insurance Town and gives the entire episode a stronger through-line.

Talking faster doesn't make you more convincing. In fact, it may be the very thing costing you sales. In this episode of the Life Insurance Academy Podcast, Chris and Roger break down the power of pacing—and why the speed of your conversation can determine whether a client feels helped or handled. You'll learn how pacing affects every stage of the sales process, including building belief and trust, uncovering the stakes, presenting options, and ultimately helping the client make a decision. They also unpack why agents tend to rush when they're nervous, how slowing down can help you sound more confident and conversational, and why some of the most powerful moments in a sales appointment happen when you stop talking. Plus, you'll hear three specific moments where intentional silence can completely change the conversation: • After you ask the question • After you uncover the stakes • After you present the number If you've ever felt like you're racing through a call, struggling to keep prospects engaged, or filling every moment of silence because it feels uncomfortable, this episode will give you practical ways to slow down, communicate clearly, and create better conversations with your clients. Subscribe to the Life Insurance Academy Podcast for more practical life insurance sales training, communication strategies, and tools you can put into practice immediately.  

The Infinite Banking Concept (IBC) isn't simply about buying a whole life insurance policy—it's about creating a better financial environment around the money already flowing through your life or business. In this short video, I discuss how becoming your own banker can provide greater control, liquidity, capitalization, and flexibility for individuals, families, and business owners.With a properly designed participating whole life insurance policy serving as the asset, Infinite Banking provides a system for storing, accessing, and continually putting your capital to work while taking greater control over the banking function in your life.⚔️ LIVE & LEAVE A LASTING LEGACY

What will define the next generation of insurance leaders: better products and systems, or the ability to transform how the business makes decisions? In this episode, Life Accelerated host, Olivier Lafontaine, speaks with Abhishek Bakre, Lead Client Partner, Strategy and Transformation at IBM Consulting, about why AI transformation requires more than technology adoption. Abhishek shares lessons from decades of industry change, highlighting the need to redesign operating models, decision-making, and enterprise capabilities to centre on AI. He also explores the future of insurance distribution, advisor enablement, customer service, and enterprise intelligence. From using AI to unlock growth within existing customer relationships to building the business context needed for AI to deliver value, Abhishek explains why insurers that combine human expertise with AI-driven intelligence will gain a competitive edge. Key Takeaways: AI transformation succeeds when insurers redesign business decisions and operating models rather than simply deploy new technology. Advisors can remain central to insurance distribution by combining human trust with AI-driven intelligence and insights. Enterprise AI requires trusted business context and semantic understanding, not just more data or isolated use cases. Jump Into the Conversation: (00:00) Introduction and meeting Abhishek Bakre (02:45) Lessons from two decades of transformation (05:10) IBM Consulting and insurance transformation (08:24) Executive priorities across life insurance (10:12) Redesigning insurance around AI (12:25) Managing AI adoption and workforce change (14:26) The evolving role of insurance advisors (18:50) Building trust between AI and customers (19:44) Unlocking growth from the in-force book (21:11) Reimagining quote-to-claim with AI (23:02) Data challenges and the role of business architecture (26:07) Understanding semantic layers for AI (28:06) High-impact AI opportunities in insurance (31:08) Transforming service through AI-enabled engagement (33:53) What will differentiate insurers in the future (36:45) Closing thoughts on AI and the insurance industry   Resources: Connect with Abhishel Bakre on LinkedIn: https://www.linkedin.com/in/abakre/ Learn more about IBM Consulting: https://www.ibm.com/us-en  Connect with Olivier Lafontaine: https://www.linkedin.com/in/olivierlafontaine/   Guest Bio Abhishek Bakre is Lead Client Partner, Strategy and Transformation at IBM Consulting, where he helps insurance carriers connect business strategy, operating models, technology, data, and AI into end-to-end transformation initiatives. His work focuses on helping insurers navigate growth, modernization, and the evolving role of AI across the insurance value chain. With more than 20 years of experience in insurance transformation, Abhishek has worked across major industry shifts including core modernization, digital transformation, data, and AI. He advises life and annuity leaders on redesigning operating models and aligning business and technology strategies to drive meaningful change. He is currently focused on helping insurers move beyond AI adoption toward business reinvention, rethinking decisions, advisor enablement, customer engagement, and enterprise intelligence. In this episode, he shares his perspective on how carriers can combine AI capabilities with human expertise to create lasting competitive advantage.  

Get 30 Days of Merlin free at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MerlinCrypto.Com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ In this episode of Age of Jeremy, I'm tackling two massive topics every investor and creator needs on their radar right now: where to deploy $10,000 cash in today's unpredictable market, and how to build a thriving, future-proof blog in the era of AI. We start off by diving into Bloomberg's latest institutional playbook, where top global portfolio managers reveal three unexpected places to put ten grand—ranging from bargain-basement South Korean AI tech stocks to resilient global luxury brands and long-term water infrastructure megatrends. I break down their exact investment logic and share my personal framework for where that cash belongs. Then, we shift gears into digital publishing to address the question I get asked constantly: is blogging actually dead? With nearly 68% of Google searches now ending without a click and generative engines answering queries directly on the search page, the old SEO playbook is extinct. I walk you through the new blueprint for Generative Engine Optimization (GEO)—the specific tactics proven by Princeton research to get your content cited and recommended inside ChatGPT, Gemini, and Perplexity. Plus, we cover how to engineer topic clusters, choose between Beehiiv and Kit to own your email list, and navigate the shifting ad network requirements from Mediavine Journey to Raptive. Whether you're looking to allocate capital smartly or build an owned media asset that survives algorithm shifts, this episode is packed with actionable insights to keep you ahead of the curve. Hit follow, leave a review, and ..... Enjoy! Join the Age of Radio Discord | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://discord.gg/EeamD8WcjN⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow me on Goodpods ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://goodpods.app.link/usUyBZzhuNb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Free Financial Consultation: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/B6nNZ2FbxbhESCHg9⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Red Wizard Gaming Society: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://discord.gg/9D43EszdUB⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠   DM if you are interested in Life Insurance! If you or someone you know has been struggling or in crisis please call or text 988 or chat ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠988lifeline.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  

Austin Hankwtiz is joined by Peter Colis, co-founder and CEO of Ethos Technologies, to discuss how the company is transforming life insurance with instant online underwriting, why eight of nine life insurtech competitors have been shuttered, pivoted or acquired, and what's driving Ethos's 113% revenue growth. $LIFE [00:00] Peter Colis, co-founder and CEO of Ethos, joins [01:06] What Ethos does [02:09] What's driving 113% revenue growth [04:10] The Geico and Progressive parallel [06:37] Inside the agent business [09:11] Margin trade-offs: direct vs. third-party [13:54] Competitive moat and why rivals failed [17:17] The $100 million share repurchase [20:38] What investors still don't understand [26:42] Inside the ten-minute underwriting process [31:52] Outro and upcoming episodes After Earnings is brought to you by Stakeholder Labs and Morning Brew.  For more go to https://www.afterearnings.com Ethos Technologies, Peter Colis, life insurance, insurtech, After Earnings, IPO, fintech, term life insurance, underwriting, insurance technology, revenue growth, public markets, investing, financial services, agent distribution

Randy Roth knew exactly how to charm vulnerable women. Actor Colin Egglesfield explains how that charm could turn into something much darker. Colin joins Elisa to unravel the convicted killer’s web of love bombing, control and lies, the suspicious death of another wife and the chilling question of how Randy kept convincing women to trust him.See omnystudio.com/listener for privacy information.

Michael Weaver is hosting a FREE live training this Thursday, September 17th at noon CST, showing you exactly how to pivot into a life insurance conversation during any auto, home, or renters quote, without sounding pushy and without risking the P&C deal you're already closing.

Retirement isn't just about how much money you've saved. It's also about how much money is still going out the door.In this episode of MX3 Podcast, we break down 12 expenses and financial decisions that could deserve another look before or during retirement. From auto and life insurance to credit card debt, home repairs, vehicle warranties, precious metals, timeshares, direct deposit, and even bathroom renovations, we discuss which ideas make sense and which ones we aren't completely sold on.We also get into a bigger question: Should you still have a mortgage, car payment, or high-interest debt when you retire?Some of these recommendations could save money. Others might cost money upfront in hopes of preventing a much larger expense later. And a few sparked some disagreement between us.

Can you use Infinite Banking to pay property taxes? In this installment of our Family Banking series, I show how we use our private family banking system to handle a real expense our family already has: property taxes. Rather than treating Infinite Banking as an abstract financial concept, this is a practical example of how our family uses the banking system we've built with properly structured participating whole life insurance.The point isn't simply how to pay a tax bill—it's learning to think differently about the banking function surrounding the money already flowing through your life. About This ChannelI help hard-working American families, and business owners understand and implement the Infinite Banking Concept (IBC) exactly as it was conceived and codified by R. Nelson Nash, author of Becoming Your Own Banker.As an Authorized Infinite Banking Concept Practitioner with the Nelson Nash Institute and a licensed insurance agent, my practice is exclusively dedicated to helping clients apply the authentic Infinite Banking Concept using properly designed participating whole life insurance policies from mutual Life Insurance companies.If you're looking for genuine education on Infinite Banking, Becoming Your Own Banker, cash value whole life insurance, private family banking, financial independence, wealth building and preservation, legacy planning, and capitalization, you've come to the right place.

A life insurance policy is supposed to provide financial protection when a loved one dies. But what happens when the insurance company delays, denies, or disputes the claim?In this episode of The Agent of Wealth, co-host John Williams is joined by Stephanie Prestridge, an attorney at Life Claim who focuses on helping families navigate life insurance claims that have been denied, delayed, or disputed after the death of a loved one.In this episode, you will learn:How the life insurance claims process typically works after someone passes away.How the two-year contestability period can affect a claim and potentially lead to delays or denials.Common mistakes people make when completing a life insurance application and how misunderstandings or inaccurate information can create problems later.Why it's important to review beneficiary designations regularly and make sure your family knows about your life insurance policies.How beneficiary disputes can arise and what can happen when someone challenges a designated beneficiary.What to do if a life insurance claim is denied or delayed, including when it may be time to seek legal counsel.And more!Tune in for an important conversation about the potential challenges surrounding life insurance claims — and practical steps you can take now to help protect your family and the benefits you intended them to receive.Resources:Episode Transcript & Blog | lifeclaim.com: (888) 615-3270 | Follow Stephanie Prestridge on LinkedIn | Follow lifeclaimwins on Facebook & Instagram | Bautis Financial: 8 Hillside Ave, Suite LL1 Montclair, New Jersey 07042 (862) 205-5000 | Schedule an Introductory CallWant to be a guest on The Agent of Wealth? Send us a message on PodMatch, here: https://tinyurl.com/mt4z6ywc

It's one of the most common questions people type into Google, ask ChatGPT, and search on YouTube. Richard Canfield breaks down the concept that insurance companies actually use to answer it: human life value. What is human life value? According to Richard, it's “the economic value associated with your life based on the people that depend on you.” Insurance companies don't know your family's full story; what they know is your income and your age, and that's largely what determines the number they land on. As Richard puts it, “your family doesn't love you because of your income. They love you […]

in this weeks episode, Heath Shearon sits down with Rob Lopez, CEO of V!VA, for a wide-ranging conversation about insurance, outsourcing, virtual assistants, and AI. Rob shares how his path from broadcast journalism and sports radio led him back into the insurance world, and why his focus has always been on building real departments not just filling seats.They also dig into what makes V!VA different: process-driven onboarding, bilingual support, nearshore staffing in El Salvador, and a consultative approach that helps agencies document workflows before adding talent.https://vivateams.com/insurancetownTimestamps00:00 – Welcome, sponsors, and introducing Rob Lopez from V!VA03:33 – Why Rob stays present in the industry05:32 – Rob's early life as an Allstate kid06:30 – Broadcast journalism, the Houston Rockets, and a career shift07:26 – The first life insurance claim that changed Rob's perspective07:55 – Hurricanes Katrina, Rita, and Wilma08:44 – Distribution work, aggregators, and building agency networks09:35 – Why aggregator margins eventually hurt the value proposition10:29 – Rob's sports talk and media background12:30 – Why catastrophe work mattered more than commissions14:53 – Rob's father and front-line catastrophe response17:37 – Delivering a claim check and overcoming fear at the kitchen table18:43 – Why showing up during claims builds trust20:40 – Heath and Rob discuss the mission behind insurance22:32 – How Rob entered the virtual assistant space23:43 – Hiring for impact, not headcount24:39 – The story behind V!VA's first hire27:18 – How that first hire became part of V!VA's origin story29:13 – The evolution from “VA” to trained insurance team members30:13 – Why checklists and SOPs are essential32:03 – Using virtual assistants to document workflows33:27 – Why Rob is willing to say no to the wrong client fit36:01 – Cheap labor versus true partnership37:26 – Building departments instead of relying on one person41:06 – Why turnover is inevitable without documented processes42:31 – The impact of losing a virtual assistant44:21 – V!VA's systems and strategy review process45:48 – Quarterly check-ins and role alignment47:12 – Virtual assistants, licensed agents, and career growth49:17 – Why nearshore support can be effective for insurance agencies51:06 – AI versus humans in the agency53:30 – V!VA Front Desk and AI-powered communication55:22 – AI for after-hours lead capture56:48 – Cost savings, payroll, and E&O coverage60:04 – How to contact Rob and access the Insurance Town offer61:26 – The $1,000 setup credit for Insurance Town listenersSponsors: Canopy Connect - get dec pages , gather information , meet your clients where they are Get a discount using my code !! 1fort.ai- it is AI for insurance agencies , save time, be more efficient and win more deals with 1 Fort AIViva - see why more people are going to viva for near shore talent. And get a massive discount for being a listener of the show

In this episode of Money Meets Medicine, hosts Dr. Jimmy Turner and Justin Harvey tackle three listener questions on personal finance for physicians. They discuss whether HSA-eligible plans make sense during high healthcare-usage periods like pregnancy, charitable giving strategies including donor advised funds and tax-efficient gifting of appreciated securities, and when physicians with significant net worth should consider stopping life and disability insurance premiums. The hosts emphasize personalized decision-making based on individual circumstances, consistently recommending listeners consult qualified financial professionals before making major financial decisions.Resources:Are you a 1099, locums doc, or private practice partner or business owner? You need a tax strategy team. Get 10% off working with the team I use here (Gelt): https://moneymeetsmedicine.com/CPA Every doctor needs own-occupation disability insurance. Get it from a source you can trust: https://moneymeetsmedicine.com/disability Want to get started on your financial literacy journey? Download a free copy of The Physician Philosopher's Guide to Personal Finance. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

No, the majority of people who start whole life insurance or Infinite Banking are between 45 and 65 years old. “I'm in my 50s. I'm in my 60s. Isn't this going to be too expensive?” It's one of the most common questions Neil Dietrich, Lead Advisor at Ascendant Financial, hears from clients and in this episode of Wealth on Main Street, he joins Richard Canfield to answer it directly, along with several other real-world “trench stories” from years of helping clients navigate Infinite Banking. At What Age Should You No Longer Have Life Insurance? Here's what might surprise you: the overwhelming […]

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Michael Weaver is hosting a free live training this Thursday, September 10th at Noon Central, showing you exactly how to write 30 life policies in 30 days without buying a single lead. Save your seat and start turning today's conversations into tomorrow's premium.

Big changes are coming to So Money in 2027. Farnoosh opens the episode with an early preview of what's ahead, including a more video-forward format and a sharper focus on the intersection of midlife and money — the season when careers, kids, aging parents, health, relationships and financial priorities are all shifting at once.She also reflects on the life and legacy of Gloria Steinem, who died this week at 92, and shares a personal story about once finding herself just a few seats away from Steinem on an Amtrak train — and regretting that she never worked up the courage to say hello.Then, Farnoosh looks at the latest jobs report and weighs in on a debate sparked by Armchair Expert: If one adult child becomes wealthy while another struggles financially, should parents leave them different amounts in their will? Farnoosh shares why she leans toward equal inheritances, with thoughtful exceptions for significant needs.In the Ask Farnoosh mailbag: Jay in Denver recently got married and wants to know how he should rethink his life insurance as he plans for children. Tamara in Los Angeles inherited her mother's 401(k) and wants to understand her options for transferring, investing and eventually withdrawing the money. And a listener who was recently laid off asks whether COBRA is worth the cost or if shopping for coverage on the health insurance marketplace could be a better move.Plus, Farnoosh shares resources on Trump Accounts and explains why major life changes are often the right time to revisit your entire financial plan.Gloria Steinem — NYT never-before-seen 2008 interview: Watch the New York Times video. The Times released the previously unseen interview on September 3. Trump Accounts — July 10, Episode 2007: Ask Farnoosh: Should I Open a Trump Account? Trump Accounts — August 14, Episode 2022: Trump Account Updates, Money-Maxxing and Stay-at-Home BoyfriendsRobin Wigglesworth — Episode 2029: The Bond Market Explained: What It Means For Your MoneyJoseph Moore — Episode 2030: How to Get Rich: 300 Years of Money LessonsLearn more about Farnoosh's upcoming literary workshop Book to Brand. Early bird registration is now open! Hosted on Acast. See acast.com/privacy for more information.

The Counter Momentum of Spin, with Dr. Franco Musio – The fraud “space” in the United States government is estimated at $186 to $500 billion, which is surpassed by the private sector. For example, insurance fraud costs the U.S. economy over $308 billion annually. The major types of insurance fraud include Life Insurance, Medicare/Medicaid, Workers' Compensation, and...

In this weeks episode the Mayor talks with Dave Rose, an agency operator at Bolt and former Liberty Mutual and Travelers leader, about what independent agents can learn from captive carriers, how connected distribution works, and how agencies can start using AI without overhauling everything. Dave brings a practical, operator's perspective from both the agency side and the tech side, with a focus on real-world implementation rather than hype.In this episode, they cover the process discipline of captive agencies, the power of referrals and centers of influence in the independent channel, and why AI adoption is more about solving specific pain points than chasing tools. They also preview Dave's ITC session on building an AI-first agency plan in 30, 60, and 90 days.Timestamps00:00 — Intro, sponsors, and welcome to Dave Rose 08:24 — What Bolt does as a connected distribution platform 10:25 — What Dave learned moving from captive to independent 12:40 — Why independent agency success depends on knowledge, not just choice 15:03 — Centers of influence and building referral pipelines 17:05 — Why branding and marketing matter in the independent channel 19:19 — Why Dave wanted to be both an agency operator and technology builder 20:16 — How Bolt tests technology from the agency side first 23:04 — Why AI vendors all sound similar and what actually matters 24:57 — Advice for technology vendors: think through the agency lens 27:00 — The difference between insurance-first technology and tech-first insurance 28:17 — ITC and the growing role of agents at the conference 29:36 — A real example of an agency owner unsure where to begin with AI 31:18 — Why the industry is still early in its AI journey 34:13 — Three AI myths Dave wants to challenge 36:02 — Why AI should support, not replace, relationship-driven work 38:36 — Dave's ITC session: practical next steps for agencies 41:26 — Agent Day at ITC and the value-first approach 42:23 — Session title: The AI First Agency: Your 30-, 60-, and 90-Day Plan in 15 Minutes 46:03 — The origins of Bolt and its connected distribution mission 47:28 — How Bolt connects lead generation, quoting, binding, and servicing 49:31 — Who should talk to Bolt and who benefits most 51:29 — How to reach Dave and Bolt 52:40 — Why ITC is worth attending for independent agents 54:58 — Why ITC works because of its concentration of knowledge and conversationSponsors:Canopy Connect1fortVivaIf you have not registered for ITC Vegas. Go check it out and use discount code : 1AGSPKSNB for $200 off

What can happen when a struggling new life insurance agent finds the right environment—and decides to show up every single day? In this episode of the Life Insurance Academy Podcast, Roger Short sits down with Jason Gilbert of Anchor Point Group to unpack Jason's remarkable journey from nearly walking away from the insurance industry to building consistent $40,000+ production months. Jason didn't come from a sales background. He started in the culinary world, entered insurance with very little guidance, struggled to gain traction, and eventually found himself questioning whether the industry was right for him. Then, while searching for answers, he discovered the Life Insurance Academy Podcast. One email changed everything. Jason connected with the Lasting Mark community, attended a Life Insurance Academy Boot Camp, embraced coaching and call reviews, learned to trust the sales process, and committed himself to consistency. Today, he's gone from needing help himself to mentoring and encouraging other agents. In this episode, you'll hear: • Why Jason nearly quit the insurance business • How finding the right community changed his trajectory • Why proximity and mentorship accelerated his growth • What he learned at his first Life Insurance Academy Boot Camp • How call reviews and coaching improved his sales conversations • Why consistency became his greatest competitive advantage • How he went from roughly $20,000 in six months to $40,000+ months • How inbound and outbound opportunities fit into his current business • Why being coachable matters more than being a "natural salesperson" • The advice Jason would give any new agent struggling to gain traction Jason's story is proof that you don't have to start as a great salesperson. You have to be willing to learn, implement, stay consistent, and keep showing up long enough to get better. If you're a new life insurance agent—or you're wondering whether you have what it takes to make it in this industry—this is an episode you need to hear. Subscribe to the Life Insurance Academy Podcast for more training, strategies, and real-world conversations designed to help life insurance agents build profitable, sustainable businesses.  

Real estate wholesaling is facing tighter margins, regulatory shifts, and long closing cycles. Ryan Pineda sits down with Jesse Burrell (former Batch Data founder) and Devin Burr to explore why seasoned real estate flippers and tech entrepreneurs are moving into the life insurance space. Learn how 24-to-48-hour carrier payouts compare to the long, capital-intensive cycles of real estate wholesaling.

Some of the biggest firms on Wall Street are, at this very moment, waiting for thousands of strangers to die to reap their returns. Because there's a market for life insurance policies. And it's legal.You don't have to actually die to get some of your life insurance money. Thanks to a secondary market for life insurance policies, you might be able to claw back money from beyond the grave. You just sell your policy to an investor. So when you die, the payout goes to them, instead of your family or beneficiary. On today's show, how the wheels of finance transformed a desperate deal made during the AIDS crisis into a multi-billion dollar industry. Support:Planet Money+Read: Our book: Planet Money: A Guide to the Economic Forces That Shape Your LifeOur weekly longform Planet Money newsletterOur weekly Indicator round-up newsletterFollow: InstagramTikTokYouTubeFacebookThis episode was produced by Emma Peaslee and Willa Rubin. It was edited by Marianne McCune and fact-checked by Sierra Juarez. It was engineered by Cena Loffredo. Alex Goldmark is our executive producer.Support public media with NPR+ and enjoy perks for over 25 podcasts like this one. This show's perks include bonus episodes and sponsor-free listening. Learn more at plus.npr.org.See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy