Podcasts about Life insurance

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 In this episode of the Insurance Town Podcast, Heath Shearon hosts Christopher Frankland to discuss the intersection of technology and insurance, focusing on AI's impact on the industry. They explore the concept of the 'bionic agent,' the role of AI in transforming insurance processes, and the future of human interaction in a tech-driven world. The conversation also touches on personal anecdotes, the importance of adapting to technological changes, and the potential for AI to enhance customer experiences.Takeaways:AI is transforming the insurance industry by automating processes and enhancing customer experiences.The concept of the 'bionic agent' combines human expertise with AI technology.Adapting to technological changes is crucial for staying relevant in the industry.AI is no longer just a buzzword; it's a fundamental shift in how we work.The insurance industry is fragmented, with varying levels of AI adoption.Human interaction remains essential, even as automation increases.AI can help solve real problems and tackle industry challenges.The future of insurance involves a blend of technology and human touch.AI's role in insurance is evolving, with potential for real-time risk assessment.Education and upskilling are vital for embracing AI in the industry.Sound Bites:AI is transforming insurance.The bionic agent is the future.Adapt to tech changes or fall behind.AI is a fundamental shift.Human interaction is still key.AI solves real industry problems.The future blends tech and human touch.Real-time risk assessment is coming.Education is key for AI adoption.AI is beyond just a buzzword.Chapters:00:00:00 Introduction and Guest Introduction00:00:00 AI's Impact on Insurance00:00:01 The Bionic Agent Concept00:00:02 Adapting to Technological Changes00:00:03 Future of Human Interaction in InsuranceSponsors:Smart Choice Agents Program- the fastest growing agency network hands down. Canopy Connect: Your one click solution for getting everything you need to quote your prospects 

Live and Learn with Katie, Learn Something New!Catch Victor from VIC Agency on Live and Learn as he explains when to get life insurance, how to choose the right coverage, and what really matters when comparing policies. Get real advice and practical tips that help you protect your family and feel confident about your choices. ​​Do not miss this episode if you want to stay ahead and make the best decisions for your future.​​#LifeInsurance #InsuranceTips​​Connect with Victor: https://www.facebook.com/profile.php?id=61581168250106​​Brought to you by Team EvoAZ at eXp Realty and MOMnation! ​​Connect and Follow us at https://www.facebook.com/MOMnationUSA​​This episode is prerecorded.

Discover how to transform your life insurance into a valuable retirement asset with Ben Mohr's expert guidance. Learn the strategies and techniques to maximize your policy's potential and create a secure financial future. From understanding the basics of life insurance to advanced retirement planning, this video will provide you with the knowledge and insights to make informed decisions about your financial well-being.BEN MOHR is a trusted leader in retirement and income planning, with a strong focus on alternative investments and life settlements. As founder and CEO of Ben Mohr LLC, he leads one of the top firms specializing in life settlement solutions, offering expert guidance for navigating complex financial decisions. Ben works closely with clients to uncover hidden value in their financial portfolios, often helping them turn unwanted or unneeded life insurance policies into powerful retirement assets. Driven by his passion for empowering professionals in the field, Ben launched Life Advisor Solution - a cutting-edge platform providing mentorship, marketing tools, and business development strategies for agents. This initiative empowers advisors to achieve unparalleled success in their careers. Ben also plays a key role as part of the RMO Insurance & Retirement team, where he continues to help clients secure financial stability through personalized strategies and in-depth knowledge of life settlements.Ben's goal is to help individuals approaching retirement make confident, well-informed financial decisions without the confusion or pressure. His clear, practical guidance and proven results have made him a trusted resource for those seeking security and peace of mind in retirement.CONTACT DETAILS:Email: ben@lifeadvisorsolution.com Business: Life Advisor SolutionWebsite: https://lifeadvisorsolution.com/ Social Media:LinkedIN - https://www.linkedin.com/in/ben-mohr-004652270/ Facebook - https://www.facebook.com/lifeadvisorsolution/ Instagram - https://www.instagram.com/lifeadvisorsolution/ Tiktok - https://www.tiktok.com/@lifeadvisorsolution?lang=en Remember to SUBSCRIBE so you don't miss "Information That You Can Use." Share Just Minding My Business with your family, friends, and colleagues. Engage with us by leaving a review or comment on my Google Business Page. https://g.page/r/CVKSq-IsFaY9EBM/review Your support keeps this podcast going and growing.Visit Just Minding My Business Media™ LLC at https://jmmbmediallc.com/ to learn how we can help you get more visibility on your products and services. 

Agents are failing for five simple, fixable reasons — and it's costing them sales. In this episode of the Life Insurance Academy Podcast, Roger Short and Chris Ball break down what's really holding agents back in telesales — and how to fix it fast. You'll learn how to: ✅ Master your script until it sounds natural ✅ Build confidence through competence ✅ Understand medications & underwriting basics ✅ Discover affordability before pricing ✅ Move confidently toward the application ✅ Practice your carrier apps like a pro These small changes create big wins — more confidence, more trust, and more closes. If you're tired of missing sales you should be winning, this one's for you.

From breaking up with your phone to breaking into better habits, our back-half S3 recap episode brings together the most practical, powerful, and personal moments from recent episodes of Grown-Up Stuff. Hosts Lea Palmieri and Matt Stillo revisit highlights on phone addiction, advocating for yourself at work, nutrition, sober curiosity, meditation, and life insurance—all the stuff that makes adulting a little more manageable (and a lot more meaningful). Whether you're catching up or just need a refresher, this episode is your one-stop-shop for grown-up wisdom, minus the overwhelm.See omnystudio.com/listener for privacy information.

Get 30 Days of Merlin free at ⁠⁠MerlinCrypto.Com⁠⁠ In this episode! In the News: Stocks Hit Highs as CPI Gives Fed All Clear to Cut Take advantage of the markets why you can. Wall Street saw a relief rally as cooler-than-estimated inflation data reinforced trader conviction on Fedreal Reserve interest-rate cuts. Article here: ⁠https://www.bloomberg.com/news/articles/2025-10-23/stock-market-today-dow-s-p-live-updates?srnd=phx-markets In Social: My Deepest Thoughts On Ai This week Open AI Launched Chat GPT Atlas... a web browser. I am truly excited for the future of AI, and how it can help us. However; Ai Slop seems pointless, and Art must not be replaced with Ai. At the same time don't get let behind in Tech. People that are progressive with new technology are usually much more successful. Today's Main Topic: Lead Magnets Turn Clicks into Customers I have been, and will be working hard on marketing efforts this week. I am really diving more into marketing not only because I have businesses to grow it is something I am passion about. I am going to tell you how to get started on a Lead Magnet Strategy and what we are doing. 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  

In this clip, Glen James and Phil Thompson (Skye Wealth) answer your questions about how much life insurance, TPD, trauma, and income protection typically cost, and why pricing varies so much.This audio is from a clip on the money money money YouTube channel: https://youtu.be/dW_eJedrV5gmoney money money is proudly brought to you by Sphere Home Loans. No matter where you are in Australia, their team is ready to assist with your mortgage needs—whether you're purchasing a home, investing in property, or looking to refinance.Sphere Home Loans: https://www.spherehomeloans.com.au/Learn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://amzn.to/4dE11aiWe hate email spam so we don't create it! Sign up to our newsletter to get only the valuable money, careers and property info you need: https://email.moneypodcast.com.au/Need a system to manage your money? Check out the free Glen James Spending Plan here: https://education.moneypodcast.com.au/courses/the-glen-james-spending-planThis video is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment video as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this video. SYMO interactive Pty Ltd, the publisher of the video, is an authorised representative of MoneySherpa Pty Ltd (as is Glen James) which holds financial services licence 451289. Please read our Financial Services Guide located at moneypodcast.com.au. This video is intended for residents of Australia.Intro theme:"Coal" by HartleyLicensed via Shutterstock Music – royalty-free, commercial use permitted.Community Segment Theme:"Tuscan" by Geoffrey JerrellLicensed via Shutterstock Music – royalty-free, commercial use permitted.Midroll Advice Segment:"Sunset Paradise Pop" by Lesion XLicensed via Pixabay Music – royalty-free for commercial use.Outro Music:"Photograph" by nomaBeatsLicensed via Pixabay Music – royalty-free for commercial use.No copyright infringement intended. All music used under appropriate commercial licences. Hosted on Acast. See acast.com/privacy for more information.

Send us a textCan shifting your mindset about money unlock not just financial freedom, but also mental peace? In this deeply inspiring and practical episode, Lira sits down with Shai-dam Akwo, a financial professional consultant and CEO of One-Off Elite, who shares his incredible journey from extreme poverty in Cameroon to building a successful life and business in the United States. Shy's story is a powerful testament to resilience, the drive for a better future, and the critical role financial literacy plays in breaking generational cycles.Shai offers profound insights into the cultural and historical reasons why money remains a taboo subject in many African and Black communities, explaining how societal pressures and a misunderstanding of wealth often lead to financial stress and hinder true progress. He draws a crucial distinction between being rich (making money) and being wealthy (building sustainable financial peace and security that lasts even if you stop working). This conversation is a masterclass in shifting from a survival mindset to a wealth-building one.This episode is packed with actionable advice for anyone ready to take control of their financial future. Shai emphasizes the foundational steps: educating yourself (even through free resources like YouTube and audiobooks), setting massive goals that scare you, disciplined budgeting, finding side hustles, and understanding that building wealth is a long-term journey requiring consistency and patience. He passionately argues that life insurance is the cornerstone of any wealth-building plan, explaining how it protects your most valuable asset—your ability to earn income—against life's uncertainties like critical illness, ensuring your family's stability and peace of mind.Join Lira and Shai for a conversation that bridges finance, mindset, resilience, and mental well-being, offering both inspiration and a practical roadmap to creating a life of security and purpose.Support the showCall to Action: Engage with the Self-Reflection Podcast community! Like, follow, and subscribe on Spotify, Apple Podcasts, YouTube (Self-Reflection Podcast by Lira Ndifon), and all major podcast platforms. Share your insights and feedback—we value your contributions! Suggest topics you'd like us to explore. Your support amplifies our reach, sharing these vital messages of self-love and empowerment. Until our next conversation, prioritize self-care and embrace your journey. Grab your copy of "Awaken Your True Self" on Amazon. Until next time, be kind to yourself and keep reflecting.

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,

Gaston Gelos and Frank Parker explain how the life insurance industry has undergone a profound structural transformation since the Great Financial Crisis, amid a prolonged period of exceptionally low interest rates and evolving regulatory frameworks. 

In this Meaningful People episode, financial advisor Moshe Alpert and community advocate Shmuly Hartstein unpack why many frum “middle‑class” families earning $200–300K still feel underwater—tuition that rivals a salary, yom tov and camp costs, seminary and simcha expectations, and the quiet creep of credit‑card debt. They debate income‑based tuition and communal funding versus personal responsibility, and share practical moves: make a real plan, build a budget, ask for a raise or start a side hustle, prioritize local schools in tzedakah, consider lower‑cost simchas or out‑of‑town living, and protect your family with insurance and a will. A candid, solutions‑oriented conversation about money, values, and making frum life sustainable. Moshe Alpert is a Financial Advisor at Ceremian Financial and author of the book ‘Frum Financial Planning: The Easy-to-Read Money Guide for the Orthodox Jewish Community'. https://a.co/d/hsRZrEe and Ceremian.com    Shmuel Hartstein is the founder of Bsefer Chayim, an organization that promotes signing up for Life Insurance in our community. https://www.bseferchayim.org/  This episode was made possible thanks to our sponsors: ►Blooms Kosher   Bring you the best Kosher products worldwide.   https://bloomskosher.com   ______________________________________ ► Colel Chabad Pushka App - The easiest way to give Tzedaka    https://pushka.cc/meaningful    _______________________________________ ► Dream Raffle Win a brand new and fully furnished $1,200,000 apartment in Yerushalayim!    Use Promo code MPP for $10 off and to receive double tickets!   https://thedreamraffle.com/  _____________________________________ ► Lalechet     We're a team of kosher travel experts, here to carry you off to your dream destination swiftly, safely, and seamlessly in an experience you will forever cherish.    https://www.lalechet.com ___________________________________________ ► Town Appliance - Visit the website or message them on WhatsApp     https://www.townappliance.com     https://bit.ly/Townappliance_whatsapp    ______________________________________ ► Touro   Lander College for Men/Beis Medrash L'Talmud offers a unique blend of rigorous Torah study and strong academics, providing students with both spiritual growth and professional preparation. With devoted rebbeim, supportive faculty, and access to Touro's graduate and professional programs, students can pursue over 20 majors and pre-professional tracks — including medicine, law, business, and technology — while maintaining their Jewish values. Highlights include the Medical Honors Pathway with New York Medical College, personalized support services, and an exceptional record of graduate school acceptances. Prospective students are invited to attend the Open House on November 9 to learn more. Visit http://www.lcm.touro.edu/openhouse    ______________________________________ ►  Ketubah - Free Shipping with Code MPP25! At Ketubah.com, every Kesubah is designed with care, blending timeless beauty with texts that are fully halachic, including RCA and Sephardic versions. Our team collaborates with rabbanim and mesadrei kiddushin to ensure each document is accurate and accepted without question. Choosing Ketubah.com means you arrive at your chuppah with peace of mind, knowing your Kesubah is both beautifully crafted and halachically sound. Use code MPP25 for free shipping! https://ketubah.com/meaningful-minutes/?utm_source=Podcast&utm_medium=Clickthrough&utm_campaign=meaningful-people-podcast ______________________________________ ►  Eishet Chayil Eishet Chayil — The Woman of Valor is a new book by Rabbi Yossi Marcus that brings King Solomon's classic poem to life through the stories of 24 remarkable Jewish women — from Sarah and Miriam to Esther and beyond. Drawing on millennia of Jewish scholarship, especially the teachings of the Lubavitcher Rebbe, the book celebrates women of faith, courage, and wisdom. Each verse is paired with contemporary artwork by Israeli artist Lia Baratz, making the book both educational and inspirational for readers of all ages. Dedicated to the women of Nahal Oz who were killed on October 7, 2023, it stands as a tribute to Jewish women of valor throughout history. Already in its second printing, Eishet Chayil is an ideal gift for Bat Mitzvahs, brides, wives, and mothers. Available at https://www.eishetchayil.com and https://store.kehotonline.com/mobile/ Use code MM20 for 20% off when checking out on Kehot.com.

 PPOs for vision care.  Medicare.  Long term care is not covered.  ETTDBC (Eating, toileting, transfering, dressing, bathing, continence)  Life Insurance - it only gets more expensive as we age.  Long Term care Insurance - may need a minimum of $200/day benefits.  Real life appointment: Couple save over $500/month!

In this episode of That Annuity Show, Paul Tyler, Tisa Rabun-Marshall, and Bruno Caron talk with Samantha Chow from Capgemini to discuss the findings of the World Life Insurance Report. They explore consumer sentiment towards life insurance, the challenges of product design, and the importance of education in the industry. The conversation highlights global trends, the impact of societal shifts on insurance needs, and the necessity for flexible, bundled products that cater to the modern consumer. The role of technology and digital engagement in transforming the insurance landscape is also emphasized, along with the potential for wealth transfer among younger generations. Listen now at   

Join Newton One Advisors (Mark Singer and Steve Target) and Adam Sendzischew, Principal of Jones Lowry, as they delve into the intricacies of premium financing life insurance solutions for affluent families. Learn why partnering with an experienced consultant that specializes in this governed process is imperative for all parties.

Is it possible to write off your life insurance premiums? In this video, Caleb Guilliams is joined by Alden Armstrong and Penn Mutual's Bill Bell, a tax attorney and industry expert, to unpack the surprising ways life insurance interacts with the tax code. You'll learn four ways certain structures can unlock deductions, protect your wealth, and even multiply your long-term impact with life insurance.Want a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity 0:00 - Why life insurance typically isn't tax deductible3:27 - The Cash Balance Plan 20:02 - The Qualified Plan / Profit Sharing Strategy 25:57 - The Executive Bonus Plan (Golden Handcuffs)35:56 - Charitable Giving Plan to Eliminate Estate Taxes 54:04 - Don't Try To Do This Alone______________________________________________ Learn More About BetterWealth: 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.

This is an episode recorded at the PIA VADC conference in Virginia Beach with my man Byron Roberts.  It is a fast, on-the-ground conversation about how Openly built for independent agents, why speed still matters, and how data is shifting from rearview mirror to windshield. Quick recapOpenly's origin story is agent-first. Founders Ty Harris and Matt Duffy asked agents what they actually needed, then shipped a three-question quote experience built to find “diamonds in the rough,” not write everything in sight. The company doubled down on listening loops like ACE, its Agency Council of Excellence, to sanity-check product decisions, fix friction fast, and keep writing business during a stubborn hard market. They are rolling into PL Rating in key states to cut keystrokes, and they see the next frontier as forward-looking data that helps carriers price for tomorrow's weather, not yesterday's. Key takeawaysBuilt by and for independent agents, not DTC. Choice and counsel are the strategy. Three inputs to quote, then verify details to bind accurately and quickly. Think seconds, not hours. ACE council gives Openly real-time agent feedback and a promise to report back on changes. Smart underwriting beats growth at any cost. Openly tightens or tweaks instead of pulling out. PL Rating integrations are in motion to reduce double entry and speed comparisons. Data is shifting from historical to predictive. Actuaries need “crystal balls,” not just rearview mirrors. Notable quotes“Tell me I can't, I'll show you I will.” Byron on persistence. “Three questions, name, date of birth, and address. We can get it.” On the quoting thesis. “We're staying open for these agencies. We don't tighten everything down or pull out.” On disciplined appetite. “We used to look at historical data. Now we need crystal balls.” On forward-looking pricing. Sponsor Smart Choice- The fastest growing insurance network, with 10,000 agencies, 11 billion in written premium written its incredibleCanopy Connect- your 1 click solution to getting the deck pages you need to quote your prospects. 

COSTLY MISTAKES WHEN LIFE INSURANCE FALLS SHORT FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Life insurance is meant to provide peace of mind and protection for loved ones, but many people discover too late that their coverage is inadequate. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain how to avoid this costly mistake and ensure your family's future is secure. Full Description Life insurance often gets purchased early in a career and then left unchanged for years. While the policy may have been sufficient at the time, family needs, debts, and income can change dramatically. Too often, people only realize their coverage is lacking when a major event occurs, leaving loved ones financially vulnerable. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge explore the risks of inadequate life insurance. They discuss why many policies fall short and how factors like inflation, rising expenses, and lifestyle changes can quickly make an old policy outdated. The hosts also examine the difference between term and permanent coverage, stressing the importance of matching insurance to your goals. Listeners will learn how to evaluate whether their current coverage truly protects dependents, pays off debts, and replaces income if the unexpected happens. Sandy and Tyler share examples of clients who reassessed their needs and adjusted policies to better align with family and financial goals. The takeaway is simple: life insurance is not a one-time decision. It should evolve with your circumstances. By reviewing coverage regularly and working with a professional, you can help ensure that your plan provides the right level of protection—now and in the future. For more guidance, visit BWFA's Financial Planning Services.

Should you put your life insurance into a trust or is it a mistake that overcomplicates your financial legacy planning? Get 'What Would The Rockefellers Do?' Book for FREE! Click Here: https://www.betterwealth.com/wwrd-book Watch the original video: https://youtu.be/eguqNGausk8?si=0Ig5cAZ9CIInhc4v Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultWant Us To Review Your Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review______________________________________________ Learn More About BetterWealth: 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.

From liquor-store owner to building one of the fastest-growing agencies in life, Medicare, and retirement—Michael Bond returns to share what changed in 2.5 years: going all in, stacking the right people, and building systems that keep 90%+ persistency even without the cheapest product. If you're in your first 0–24 months or considering the industry, this episode is your blueprint. What you'll learn Why “all in” beats “part-time dabbling” (and how to commit without burning out) Building a triple-threat agency: Life → Medicare → Retirement/Annuities The lead discipline that creates consistent weeks and real income How to keep clients (and referrals) with elite service and simple systems Turning team culture into production (shoutouts to Caroline, Melissa, Joel) Memorable lines “This business lets you sign the front of the check—not just the back.” “Don't reinvent the wheel. Jump—your static line (system) will open.” If this helped, hit

Jesse goes solo for a deep dive into the vital yet often overlooked world of special needs financial planning. He opens with a personal story about his daughter's illness—an experience that deepened his empathy for parents whose caregiving journeys never pause—and uses it to frame the emotional and financial realities families face when raising a child with disabilities. From there, he explores how special needs planning extends beyond traditional wealth management, requiring families to think in decades, not years, while balancing their own retirement goals with lifelong care needs. Jesse breaks down key tools such as special needs trusts, ABLE accounts, and government programs like SSI and Medicaid, explaining how they work together to preserve benefits and provide sustainable support. He also examines the potential role of permanent life insurance as a funding mechanism for long-term care, the legal importance of guardianship and trusteeship, and the wisdom of separating caregiving and financial responsibilities to prevent burnout. Throughout, Jesse underscores the need for community resources, professional guidance, and self-care—reminding listeners that special needs planning isn't just about money, but about love, security, and building a future where every member of the family can thrive. Key Takeaways:• Raising a child with special needs requires planning for both the parents' and the child's lifetimes—often extending decades beyond traditional financial horizons. • Special needs families face higher ongoing costs, from medical treatments and therapies to adaptive equipment and in-home care. • Core financial fundamentals—emergency savings, retirement planning, tax strategy, and estate planning—remain essential but must be adapted for special needs circumstances. • Nonprofits, community organizations, and local programs can offer both financial aid and emotional support for families. • Professional guidance from fiduciary planners and special needs attorneys can help families integrate benefits, trusts, and insurance effectively. • Above all, special needs planning is about more than money—it's about love, security, and ensuring a dignified, supported life for every family member. Key Timestamps:(00:00) – Deep Dive: Special Needs Planning (08:12) – Unique Financial Challenges of Special Needs Families (15:56) – Special Needs Trusts: Protecting Your Child's Future (19:36) – Introduction to ABLE Accounts (23:59) – Life Insurance for Special Needs Families (28:37) – Guardianship and Legal Planning (33:45) – Community and Professional Resources Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Life insurance is becoming a standard benefit for employers to offer, but is the group policy enough for a doctor like you? Nate Reineke is joined by Brian Leet, who helps families across the country navigate life and disability insurance. We discuss what to consider when calculating a life insurance policy, and when group life insurance through an employer isn't enough. We also break down when a permanent policy may make more sense compared to a term policy, and how a conversion rider on a term policy could be beneficial to physicians who are just starting. If you'd like to work with Brian, he can be reached at brian@incomepa.com or 503-928-4103. Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It's time to make a plan and get on track. To find out if we're a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Brianna Johnson. A dynamic entrepreneur and founder of Legend Life Financial. Here's a breakdown of the key highlights and insights from the episode:

Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Brianna Johnson. A dynamic entrepreneur and founder of Legend Life Financial. Here's a breakdown of the key highlights and insights from the episode:

Joe Anderson, CFP® and Big Al Clopine, CPA tackle the fears that mess with even the best-laid financial plans, today on Your Money, Your Wealth® podcast 552. Big Wallet Barbie and Ken from the Midwest have saved millions, but Barbie's still worried about retiring early, buying a new house, and converting to Roth. Is she second-guessing her plans? The fellas spitball for Dan from Florida, who's flying high in the 35% tax bracket and trying to decide between Roth 401(k) contributions and future Roth conversions. They also float a surprising idea - one that's rare on YMYW - for a listener from Chicago who is FIRE'd Up about Roth vs. pre-tax and making a tax-smart wealth transfer. We'll wrap up with a couple of your comments. Free Financial Resources in This Episode: https://bit.ly/ymyw-552 (full show notes & episode transcript) Emotionless Investing Guide The Truth About Your Love/Hate Relationship With Money - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters:  00:00 - Intro: This Week on the YMYW Podcast 00:49 - Big Wallet Barbie and Ken's Roth Conversion, Retirement, and Home Purchase Strategy (Barbie Mattel, Midwest) 08:58 - Roth 401(k) Contributions or Roth Conversions? Flying High in the 35% Tax Bracket (Dan, FL) 17:23 - High-Earners Planning FIRE and Wealth Transfer: Roth, Pre-Tax… Life Insurance? (FIRE'd Up, Chicago) 29:56 - Correction on Spousal Social Security Benefits After the Fairness Act (Cindy) 33:37 - Follow Up: The Kids Are Pretty Alright (Lucas, MN) 34:44 - Outro: Next Week on the YMYW Podcast

Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Brianna Johnson. A dynamic entrepreneur and founder of Legend Life Financial. Here's a breakdown of the key highlights and insights from the episode:

Join Kim, a seasoned life insurance expert, as she breaks down the essentials of whole and term life insurance. Discover why it's not just about insurance, but a powerful strategy for emergencies and opportunities. Perfect for anyone wanting financial peace of mind! Prosperity Thinkers is proud to be an affiliate of the transformative Gravy Stack movement, helping individuals around the world unlock their potential and achieve financial freedom. By providing resources, tools, and mentorship, we contribute to creating a culture of abundance, possibility, and growth. Please note, that as an affiliate, we may receive compensation for our efforts. Our collaboration, however, goes beyond financial arrangements; we truly believe in the power of the Gravy Stack movement to change lives and foster prosperity. Best-selling author Kim Butler and Spencer Shaw show you how to take more control of your finances. Tune in to The Prosperity Podcast to learn more about Prosperity Thinkers' thinking and strategies today! Do you have a question you would like answered on the show? Please send it to us at hello@prosperitythinkers.com and we may answer it in an upcoming episode.   Links and Resources from this Episode For resources and additional information of this episode go to https://prosperitythinkers.com/podcasts/ http://prosperityparents.com/  https://storage.googleapis.com/msgsndr/yBEuMuj6fSwGh7YB8K87/media/68e557c906b06d836d9effad.pdf https://www.youtube.com/@KimDHButler   Show Notes Moral conflict with selling life insurance. Solving emergencies with life insurance. Certainty and uncertainty in life insurance. Term insurance misconceptions. Importance of human life value in insurance. Top down vs. bottom up insurance strategy. Whole life vs. universal life. Analogy of trailer homes vs. brick houses in insurance. Longevity and whole life insurance. Simplifying complex insurance concepts.   Special Listener Gift Free eBook: Activating Your Prosperity Guide.   Kim Butler's groundbreaking eBook/ audiobook explains why typical financial advice may be sabotaging your wealth... and what to do instead!    Review and Subscribe If you like what you hear please leave a review by clicking here   Subscribe on your favorite podcast player to get the latest episodes. iTunes RSS

Dr Steve Hryszczuk is back on the podcast this week to talk about how he uses his Life Insurance policy cash values and Infinite Banking for real estate and his overall financial strategy. This is part 2 of the interview with Dr. Steve. If you haven't yet heard part 1 make sure you check out last weeks episode! Dr. Steve details how using Infinite Banking has impacted his life in the world of Real Estate investing and beyond. Having liquidity and multiple options for accessing cash has been a huge part of his success. He shares in detail how he has done it in this episode. Dr. Steve's new book entitled "Commercial Real Estate Investing for Everyone" is also available now on Amazon. You can order it here: https://www.amazon.com/Commercial-Real-Estate-Investing-Everyone/dp/1625863217/ref=tmm_pap_swatch_0

Learn how to choose term vs whole life insurance and calculate your coverage so your family stays protected. How much life insurance do you really need? Which is smarter, term or whole life? Hosts Sean Pyles and Elizabeth Ayoola discuss recent smart, fun, and dumb spending to spark a quick audit of your own money habits, then pivot to right-sizing life insurance so your family isn't left exposed. They begin with a discussion of everyday spending wins and fails, with tips and tricks on reviewing statements to catch unused subscriptions, setting guilt-free “fun” budgets that match your values, and investing in your health and home with intention. Then, insurance Nerd Kaz Weida joins Sean and Elizabeth to discuss a listener's question about life insurance choices. They explain the DIME method for figuring out how much coverage you need, how to weigh term vs whole based on goals and risk, what costs look like at different ages, and how to handle beneficiaries, trusts, and group coverage from work. Plus: why you should periodically update your beneficiaries as life changes. How much life insurance do you need? NerdWallet's free life insurance calculator can help you do the math: https://www.nerdwallet.com/article/insurance/how-much-life-insurance-do-i-need  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: life insurance, term life insurance, whole life insurance, beneficiary designation, trust vs beneficiary, group term life insurance, life insurance cost in your 30s, life insurance cost in your 40s, cash value life insurance, indexed universal life insurance, variable universal life insurance, estate planning basics, stay-at-home parent life insurance, update life insurance beneficiaries, convert term policy, smoker vs nonsmoker life insurance rates, life insurance medical exam, term vs whole life comparison, permanent life insurance, life insurance through employer, supplemental life insurance, life insurance payout, coverage amount calculator, college fund and life insurance, mortgage protection with life insurance, and prenuptial agreement and finances. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Life Insurance Proceeds DO Count for Estate Taxes

Think taxes are your biggest retirement risk? Discover how smart tax planning can preserve your savings, why most retirees struggle to spend confidently, and how life insurance can do more than just cover emergencies. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedIn See omnystudio.com/listener for privacy information.

Many families are surprised to learn that while life insurance proceeds are generally income-tax free, they can still be included in your taxable estate if ownership and premium rules aren't handled correctly. In this episode, Ken and Jeremy break down when a policy may be pulled into your estate and how a properly structured Irrevocable Life Insurance Trust (ILIT) can help. We also cover the three IRS “ownership/incidents/premiums” tests, the “three-year rule,” and why Crummey notices matter.RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training.This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy.Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

In this weeks episode, the mayor sits down with his good friend Tinsley English to discuss her latest book titled Grit, Growth & Gumption. But this episode is way beyond that we discuss being a leader in this service industry. We discuss the challenges, the customer service, reps face, the challenges that managers face.We also discuss accepting God's calling in your life no matter how difficult that might be, or scary that might be. This episode is a really really good one. I couldn't do this show without my amazing sponsors Smart Choice – the fastest growing agency network hands-down. With over 10,000 agencies across the country, trusting them and over 11 billion written premiumCanopy connect – you're one click solution to getting the deck pages you need to quote your prospects

In this conversation, Charles Becoat II discusses his unique approach to business, emphasizing the importance of balancing people and profits. He shares insights on the psychological effects of business, the significance of morale, and the need for transparency and accountability in building successful ventures. Charles also highlights the importance of creating ecosystems that combine healthcare, real estate, and wellness, while addressing the challenges of raising capital and building relationships in the business world. He draws inspiration from Baltimore's rich history and its influential business leaders, aiming to make a positive impact in his community.   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   —--------------------

This is the beginning of our 6th year!!! This week, Diane interviews Jason Dutra with BuddyIns again.   We discuss tax-benefits of worksite LTC insurance and hybrid life/LTC worksite plans. How are these plan offerings different than other group benefits that employers offer? How can employers use group life/LTC plans to show how much they care about their employees? When employees know their employer cares about them and their families, they are more productive.  Everyone is happier, and employee retention is strong. If you are a business owner with at least 3 employees, there are worksite LTC plans available for you to consider.  These plans have guaranteed issue rights, so no medical questions to qualify. If you are an employee and have been declined for LTC, you can ask your employer if they would consider offering this benefit to some or all the people who work there. Schedule some time with me to explore options    

Unlock the “secret sauce” of consistent closes: tie-downs (aka micro-agreements). In this episode, we unpack how small, intentional yeses throughout your presentation create momentum, uncover misunderstandings early, and lead to a natural close—not a hard close. What you'll learn Why micro-agreements work: The psychology of agreement and Brian Tracy's law of incremental commitment. Where to use them: Rapport/CORE, stakes & urgency, education/presentation, budget framing, and the close. How to deliver them: Tone, timing, the power of the pause, and why consistency beats complexity. Real examples you can steal today: “That makes sense so far, right?” “You'd want this in place for your family, wouldn't you?” “Affordability is a priority for you, isn't it?” “If we find a plan that fits your budget and protects [NAMEs], you'd at least want to apply, right?” Analogies you'll remember Thermometer: keep “checking the temperature” so nothing goes cold. Tent tie-downs / trailer straps: secure each section so the whole sale doesn't blow away. Trail guide: move the fast, middle, and new learners together—everyone arrives at the summit. Try this challenge Add one simple tie-down to every section of your script this week and track them. Watch your confidence (and closes) climb. If this helped, subscribe, drop a comment with your favorite tie-down, and share with a teammate who needs more natural closes. #lifeinsurance #sales #telesales #closing #objectionhandling #LifeInsuranceAcademy  

On this episode of Adversity Kings, host Tristan Dlabik sits down with Priamo Persichetti — a life insurance agent who made the bold move from a captive model to the brokerage world, and is now thriving on his way to becoming a millionaire next year. They dive into the key differences between the two systems, how owning your book of business changes everything, and why the hustle in the brokerage model delivers a far higher return on effort. It's a real conversation about taking control, betting on yourself, and proving how hard work and the right opportunity can completely change your life.

Are you worried it's too late to start building wealth? In this episode, financial expert Eric Mangold shares practical advice for late bloomers and anyone looking to secure their financial future. Learn why it's never too late to start investing, steps you can take no matter your age, and how customized strategies can maximize your wealth. Eric also covers tips for young investors and the importance of tax planning in a strong financial plan. Subscribe for more firsthand financial expertise and actionable advice!

Steven Step and I discussed the importance of life insurance as part of your financial planning on the show today. It can act as a risk management tool for a young person or family by providing a safety net for loved ones in the event of death, but it's also a reliable and predictable asset for these areas:Income Replacement for covering debts and recurring costs like food, clothing and utilitiesFinal Expenses for medical bills and funeral billsDebt Coverage for paying off a mortgage, credit card balances and car loansEducation fundingCare of dependentsDiscover if you need to discuss this financial tool with Steven to ensure your financial health on the show today.Steven Step can be reached for consultation at:stevenstep@sbcglobal.netLinkedInListen to this week's program below or on your podcast platform of choice by clicking Here.

You’ve heard of life insurance, but do you know what it actually is? And do you really need it? Hosts Lea Palmieri and Matt Stillo are joined by Life Insurance Advisor Dennis Carlson who explains the purpose of life insurance, how you can find the best agent and policy for you, and so much more. You can connect with Dennis on LinkedIn: https://www.linkedin.com/in/denniscarlson/See omnystudio.com/listener for privacy information.

https://youtube.com/live/7rCS1KRtWaQIn this episode, I talk with Andrew Martin from Atlas Financial Strategies to clear up the confusion around life insurance. We talk about how to figure out what you actually need and the differences between term, whole, and universal policies. It's a simple, no-fluff breakdown to help you make smarter financial decisions. Whether you're just getting started or are looking to grow your fence business, this is an episode you don't want to miss!Watch the live recording here:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://youtube.com/live/7rCS1KRtWaQSubscribe to my YouTube for shorter clips of this episode:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UCObWyk_pdREnpfoX3Kba-hg⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss how modern life insurance can be more than a death benefit—it can be an all-in-one tool for retirement planning strategies, tax advantages of life insurance, and long-term care insurance. With guest expert Jim Bowman, they explain how well-structured cash value policies—especially Indexed Universal Life—can provide tax free retirement income, flexible access to cash, and an efficient way to leave a legacy to family or charity.Listen in to learn about the practical differences between term and cash value policies, how to design funding to avoid MEC rules, why many retirees use unneeded RMDs to create tax-efficient benefits, and how hybrid life insurance can accelerate a portion of the death benefit for qualifying long-term care needs. If you want a clear path to secure your retirement, plan for retirement, and keep a simple retirement checklist for retiring comfortably, this conversation is for you.In this episode, find out:· How to think about life insurance benefits beyond debt protection—legacy, liquidity, and LTC.· The mechanics of life insurance cash value and using policy loans for tax free retirement income.· Why life insurance and taxes can work in your favor when policies are designed to minimize insurance cost and maximize accumulation.· When to consider life insurance for retirement (including for business owners) and how to fund over 5–7 years to avoid MECs.· Using unwanted RMDs to fund life insurance for seniors or a hybrid life insurance policy with long term care insurance riders.Tweetable Quotes:· “Life insurance can be the Swiss Army knife of retirement—growth, tax efficiency, legacy, and long-term care in one plan.” — Radon Stancil· “Design the policy to minimize insurance cost and maximize cash value—then let it do the heavy lifting for tax-free income.” — Murs TariqThroughout the episode, we cover: Retirement Planning, retirement planning strategies, planning retirement with Indexed Universal Life, coordinating with a broader financial plan, and using a straightforward retirement checklist to align cash flow, taxes, and legacy goals—so you can secure your retirement.Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

On this episode of Adversity Kings, host Tristan Dlabik breaks down exactly what he would do if he had to start his life insurance company all over again in 2025. With years of experience building a multimillion-dollar business from the ground up, Tristan shares five powerful tips that would give anyone a head start in launching their own agency today. From mindset and strategy to leadership and recruiting, this episode is packed with practical advice, insider knowledge, and the blueprint for building success faster and smarter in the modern insurance game.

Why is life insurance so important? Because it is one of the few financial products that can solve a future problem easily. Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

How do you make every dollar work harder for you? Richard Rosso breaks down the Hierarchy of Smart Savings Strategies — a smart, structured approach to prioritize where to save and invest for maximum growth and minimum taxes. This simple yet powerful framework helps you build wealth efficiently, protect against taxes, and optimize your financial future. 0:19 - Foundational Basis & Economic Conundrum 8:05 - Prioritizing Saving Money - Pay Yourself First 12:58 - How to Create a Tax Management Wave 15:50 - The Triple Tax Benefits of HSA's 18:39 - After-tax Contributions to 401k 21:04 - Investing & Spending 23:55 - Life Insurance applications

How do you make every dollar work harder for you?  Richard Rosso breaks down the Hierarchy of Smart Savings Strategies — a smart, structured approach to prioritize where to save and invest for maximum growth and minimum taxes. This simple yet powerful framework helps you build wealth efficiently, protect against taxes, and optimize your financial future. 0:19 - Foundational Basis & Economic Conundrum 8:05 - Prioritizing Saving Money - Pay Yourself First 12:58 - How to Create a Tax Management Wave 15:50 - The Triple Tax Benefits of HSA's 18:39 - After-tax Contributions to 401k 21:04 - Investing & Spending 23:55 - Life Insurance applications

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3311: Jeff Rose explains why working with an independent life insurance agent can simplify the often confusing process of finding coverage. Unlike exclusive agents tied to one company, independent agents compare policies across multiple insurers, helping clients, especially those with unique health conditions or risky hobbies, secure better rates and tailored options. With no conflicts of interest, they act as unbiased guides to ensure individuals find the most affordable and suitable protection for their needs. Read along with the original article(s) here: https://www.goodfinancialcents.com/independent-life-insurance-agent/ Quotes to ponder: "Your rates are tied to your health." "Working with an independent agent is not only the best way to get affordable life insurance, it's one of the easiest as well." "There is no 'perfect amount' of life insurance that works well for everyone." Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, the Mayor sits down with industry veteran Jeff Kleid  a 30-year insurance innovator, MGA, and carrier leader  to talk about the business of hard-to-place risks, the truth about captives, and how brokers can turn complex accounts into profitable opportunities.From selling insurance on the internet in the ‘90s to building niche programs for cannabis, film, and trucking, Jeff shares real-world lessons about taking chances, trusting data, and transforming the way independent agents think about risk.In this episode, we discuss:The evolution from retail broker to MGA and carrierWhy most agents misunderstand captives (and how to use them right)Building programs for high-risk industries like towing and hempHow to niche down without boxing yourself inThe role of AI in underwriting and program innovationKey Takeaways:Don't fear the hard-to-place — that's where opportunity lives.Captives aren't restrictive; they empower growth and control.Niche success is built on relationships and risk awareness.AI is a tool, not a replacement — human insight still wins the day.Connect with Jeff Kleid:LinkedIn: linkedin.com/in/jeffkleidEmail: jdkleid@eliterisk.comWebsite: eliterisk.comSpecial Thanks to Our Sponsors:

When Bruce came back from recording this episode of The Money Advantage podcast, he told me something that hit hard: https://www.youtube.com/live/r5oyEytzj1w He shared how frustrated he feels every time he hears about a family who loses a loved one without proper life insurance. Suddenly, their friends and community are scrambling to create a GoFundMe page just to cover funeral expenses and basic needs. Life insurance is more than numbers—it's a financial hug that wraps around your family when they need it most. And the person who helps you design and implement it—your insurance agent—has an enormous impact on whether your family experiences peace of mind or financial devastation. Why the Right Life Insurance Agent MattersWhy Learning How to Choose the Right Life Insurance Agent MattersNeeds vs. Wants: A Modern Approach to InsuranceTop Qualities To Look For When Choosing the Right Insurance Agent1. Integrity and Trust2. Longevity and Commitment3. Education4. Process and Personalization5. A Network and Legacy MindsetRed Flags When Deciding How to Choose the Right Life Insurance AgentWhy Infinite Banking Requires the Right Insurance AgentQuestions to Ask Before Hiring an Insurance AgentWhy This MattersBook A Strategy CallFAQ SectionQ1: Why is choosing the right insurance agent so important?Q2: What qualities should I look for in an insurance agent?Q3: What are the red flags of a bad insurance agent?Q4: Do I need a special agent for Infinite Banking?Q5: Should I replace my existing whole life insurance policy? Why the Right Life Insurance Agent Matters Most people don't realize how choosing the right insurance agent can impact their family's entire financial future. The right agent will walk with you for decades, guiding you through life insurance decisions and strategies like Infinite Banking. The wrong one? They may sell you a policy you don't understand, disappear within a year, and leave your family unprotected. In this article, I'll share insights from Bruce Wehner and his guests Rob Brayton and Jesse Durham on what to look for, red flags to avoid, and exactly how to choose the right life insurance agent for your needs. In this article, I want to share the insights Bruce and his guests, Rob Brayton and Jesse Durham, discussed on the podcast. Together, their combined decades of experience in life insurance highlight exactly what you should look for in an insurance agent—and the red flags to avoid. By the end of this article, you'll know: Why your choice of insurance agent matters so much. The difference between traditional “needs analysis” and a modern, values-based approach. The top qualities that separate a great insurance agent from a mediocre one. Red flags that should make you pause before signing on the dotted line. Why Infinite Banking requires a very specific kind of agent. The key questions you should ask before choosing your advisor. This isn't just about buying a product—it's about choosing the right partner for your family's financial future and legacy. Why Learning How to Choose the Right Life Insurance Agent Matters Too often, people see life insurance as a commodity. They Google “cheapest life insurance” and buy the lowest-priced option, thinking they've checked the box. But life insurance is not about buying the cheapest product. As Bruce said, that would be like asking, “What's the lowest price I can get cancer removed from my body?” No one in their right mind would ask that! You'd ask, “Who's the best doctor? Who will walk with me through treatment? Who will actually care for my life?” That's the role of a great insurance agent. They're not just selling coverage. They're protecting your family's future, guiding you through complex financial decisions, and ensuring your strategy works not just today, but decades from now. Needs vs. Wants: A Modern Approach to Insurance In the old days, insurance was sold through a “needs analysis.

On this week's Money Matters, Scott and Pat break down just how complex the tax system has become—and why staying ahead of the changes matters more than ever. You'll hear from one caller trying to track down the value of old savings certificates from the 1980s, another wrestling with how to allocate investments for better tax efficiency, and a listener who made major changes after Scott and Pat helped him realize the true cost of a Variable Universal Life (VUL) insurance plan. If you've ever wondered whether your tax strategy is working for you—or against you—this one's for you. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! 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.