Podcasts about Term life insurance

10 Commonly Misunderstood Insurance Terms Explained Episode 389 – Sometimes people get confused by all the jargon used in the financial services industry. It's difficult to understand what you're buying—or what you already have—if you don't understand the language being used. Here is a quick listing of ten terms, commonly used in the life insurance industry, that you might not fully understand. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 389 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: we explain 10 commonly misunderstood life insurance terms. Sometimes people get confused by all the jargon used in the financial services industry, and life insurance is no exception. It can be difficult to understand what you're buying—or what you already have—if you don't understand the language being used. Here is a quick listing of 10 terms, commonly used in the life insurance industry, that are helpful to have a basic understanding of: Underwriting. Before making any sort of offer to you, a life insurance company may need to evaluate your health. For example, life insurance companies generally check to see whether you are a tobacco user or not. A nonsmoker generally has a longer life expectancy than a smoker and thus will often qualify for a better rate and reduce the cost. On the other hand, smoker or not, if you're in particularly poor health, the company may not be able to offer you coverage at all. Beneficiary. Life insurance policies will usually list a beneficiary. That is the person—or entity—who receives the life insurance policy's death benefit if the insured dies. Note that any beneficiary designation under a life insurance policy is separate from beneficiary designations in your will. You could leave your entire estate to your children via your will, but if someone else is the beneficiary of your life insurance policy, that person receives the proceeds. The owner of the policy has the right to change the beneficiary (or beneficiaries) as their needs or desires change and it is recommended to review all of your beneficiaries annually or during any change to your planning strategy. Term Life Insurance. Term life insurance is the simplest form of life insurance. You will pay a premium that covers a specific term of years. 10, 20 or 30 years are common terms for one of these policies. If you die during the designated term, your beneficiary will receive the death benefit. It is generally used when you have a temporary need for insurance, such as paying off a mortgage or funding your child's college education if you're no longer there. Permanent Life Insurance. Unlike a term policy, permanent life insurance is designed to provide lifetime coverage. With most policies, as long as you pay your premiums, the policy stays in force for life, and the death benefit is guaranteed by the insurance company. It also usually provides a cash value. An example of permanent insurance is whole life insurance. Cash Value. With many permanent life insurance policies such as a whole life insurance policy, part of your premium pays the cost of the death benefit, and part of it goes into an account inside the policy and grows on a tax-deferred basis. As a policyowner, you have the right to access these funds if you wish via loans or withdrawals. The funds could potentially be used for major expenditures or cash emergencies if needed. Dividends. It's not just your stock portfolio that can pay dividends; your life insurance policy might do so as well. Life insurance dividends are usually associated with mutual life insurance companies such as Security Mutual Life. Dividends are distributed to policyholders from the insurer’s surplus earnings. They are not guaranteed. Grace Period. This is essentially an automatic safety net that exists on every life insurance policy. If you miss a premium payment, you generally have an extra 30 days past the due date before the policy lapses to pay your premium. And, if you die during the grace period, the full death benefit is payable, although there may be a deduction for any missed premium.[1] Paid-Up Additions. Paid-up additions are like miniature life insurance policies within a whole life insurance policy. Each paid-up addition adds a little bit of extra paid-up death benefit and guaranteed cash value to your policy without ongoing premium. Paid-up additions are often created through a whole life policy rider, although if you have a dividend-paying policy, you might be able to choose to take your dividends as paid-up additions. Since paid-up additions are fully paid up portions of death benefit, they can be surrendered for needed cash by the policyowner, or to pay the policy's premiums, if needed. Doing so will reduce the guaranteed cash value and death benefit.  Accelerated Death Benefit. This allows you to receive a portion of the death benefit while you are still living and is often made available as a rider assigned to specific circumstances such as chronic, critical or terminal illness. It is designed to help provide access to cash for medical bills, nursing care, or other costs associated with the qualifying event. If the advance payout from the life insurance policy is due to terminal illness, it is usually exempt from income taxes.[2],[3] In many circumstances, an accelerated death benefit rider is a simple add-on to a life insurance policy with no separate charge. And finally… Chronic Illness Rider. A chronic illness rider is a type of accelerated death benefit rider that gives you access to part of your death benefit while you are still alive. To take advantage of a chronic illness rider, you need to be certified by a doctor as someone who is ill and not expected to recover. In many cases you will be eligible if you are unable to perform at least two of the six “Activities of Daily Living,” or ADLs, without assistance. These include things like bathing, getting dressed, eating, etc.[4] All these terms can be very confusing. Some may be applicable to you; some may not. The good news is that, if you're contemplating a new life insurance policy, you don't need to go it alone. Your Security Mutual Life insurance agent can help. Your Security Mutual Life insurance agent can augment or help assemble your planning team. They'll coordinate with your attorney and tax professional to review your situation and to determine the insurance plan that will best suit your needs and objectives. [1] Ethos Life. “Understanding the Life Insurance Grace Period.” Ethos.com. https://www.ethos.com/life-insurance/life-insurance-grace-period/ (accessed June 4, 2026). [2] Kagan, Julia. “Understanding Accelerated Benefits in Life Insurance Policies.” Investopedia.com https://www.investopedia.com/terms/a/accelerated-benefits.asp (accessed June 4, 2026). [3] Stimpson, Jeff. “Form 1099-LTC Explained: Long-Term Care and Death Benefits.” https://www.investopedia.com/1099-ltc-form-what-to-know-about-the-1099-ltc-form-4781748 (accessed June 4, 2026). [4] Progressive Insurance. ”What is a life insurance critical or chronic illness rider?” Progressive.com. https://www.progressive.com/answers/critical-chronic-illness-rider/ (accessed June 4, 2026).   More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraby EmailTuneInDeezerRSSMore Subscribe Options

Life insurance is one of the most important financial tools available... and one of the most misunderstood. In this episode of the Working Wealth Podcast, Patrick Rogers and Trevor Rasmussen break down the major types of life insurance, including term life, whole life, universal life, indexed universal life (IUL), and variable life insurance. They discuss what life insurance is actually designed to do, why so many families are underinsured, and how different policy structures work in the real world. The conversation also explores the strengths and weaknesses of cash value policies, how life insurance pricing works, what makes someone uninsurable, and why many financial professionals recommend starting with term coverage before considering more complex strategies.

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In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share how Wall Street values stocks (and how you can too). ---

Whole life insurance is being rebranded right now as “Bank on Yourself” or “Infinite Banking”—and the pitch sounds incredibly attractive. It promises safety, guaranteed growth, and the ability to borrow from your own policy like you're your own bank. But what most families don't realize is that for the average Christian dad, this strategy often creates more financial drag than freedom. In this episode, we break down the real differences between term vs whole life, why whole life gets sold so aggressively, and the few situations where it can actually be useful. But mostly, this is a warning: what looks like wisdom on paper can quietly keep your family from building real wealth, margin, and generosity. If you've ever been pitched infinite banking—or you're considering buying whole life—watch this first. About Abraham's Wallet: Abraham's Wallet exists to inspire and equip Biblical family leaders. Please partner with us in inspiring and equipping multi-gen families at https://abrahamswallet.com/support AW website Apple Podcasts Spotify YouTube Facebook LinkedIn Instagram Chapters (00:00:00) - Abraham's Wallet: The Infinite Banking Pitch(00:02:27) - Be Involved in School Matters!(00:05:57) - Incendiary Banking on Yourself(00:08:33) - What is Whole Life Insurance? vs Term Life Insurance(00:12:17) - Will You Bank On Yourself With Whole Life? (Infinite Banking(00:16:22) - Do You Need a Loan Against Your Whole Life Policy?(00:20:25) - Wonders of Life Insurance, Part 4(00:26:17) - Inert Banking Advice for Insurance Salesmen(00:33:40) - Is Whole Life Insurance Dumb?(00:36:30) - Whole Life Insurance, Sold, Not Bought(00:39:44) - A Promise For The Generations

With a military pension and early retirement on the horizon, are we adequately covered by our existing term life insurance? Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ "Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. 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

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! 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:

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! 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:

Host KJ welcomes Mark Forman, CMO of Optifino to explore how AI is finally modernizing the $2 trillion permanent life insurance industry. Mark shares his accidental journey from poetry student to InsureTech marketer, explaining how a lack of transparency, outdated distribution models, and the absence of a true marketplace have left millions of Americans underinsured. He shares how Optifino uses AI to compare complex permanent life insurance policies side by side, giving advisors and consumers the kind of informed, data-driven experience that every other financial sector already enjoys. The conversation also tackles the $12 trillion U.S. life insurance coverage gap and why 82% of wealthy investors want insurance guidance but only 12% are getting it. Four Key Takeaways: The Insurance Industry Has Benefited from a Lack of Transparency (12:23) Unlike stocks or ETFs where all data is accessible instantly, permanent life insurance has no real marketplace. Consumers can't easily compare policies, leading to overpaying, policy lapses, and lost cash value. AI Makes Advisors Bionic, Not Obsolete (24:20) When advisor Mike Sheen first saw Optifino's AI demo, he feared replacement — but quickly realized there's now no ceiling to how good he could be. With 25+ carriers, 10+ products each, and thousands of permutations, AI assistance isn't optional — it's essential. There's a $12 Trillion Life Insurance Coverage Gap in the U.S. (29:27) LIMRA data shows Americans are massively underinsured. The shift toward fee-based RIAs (who don't sell commission-based insurance) has widened the advice gap — 82% of wealthy investors want insurance guidance, but only 12% report receiving it. Know Your Problem Deeply Before Going to Market (36:48) Mark's parting advice: fall in love with the problem you're solving. Talk to the people you want to serve, validate that your solution actually addresses their pain, and lead with hard data — not corporate jargon. Quote of the Show (30:16):"Insurance sucks until you need it. No one likes to pay their premiums, but if you've ever had an experience where the insurance paid off, you were very happy." — Mark Forman Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome. Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval Ways to connect with Marc Forman: LinkedIn: http://www.linkedin.com/in/mark-formanCompany Website: https://optifino.com/ How to get more Disruption/Interruption: Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlDSee omnystudio.com/listener for privacy information.

Most families underestimate how much term life insurance they actually need. Here is what Atlanta life insurance experts say about calculating the right coverage amount, choosing a term length, and understanding what drives monthly premiums. Learn more at https://www.ranwellinsurance.com/life-insurance/term-life-insurance-calculator-atlanta/ Ranwell Insurance City: Nashville Address: 226 Bay Lane Website: https://www.ranwellinsurance.com Phone: +1-855-508-5008

In this episode, Billy Gwaltney explores the concept of terminal illness riders in life insurance policies, detailing how they allow policyholders to access a portion of their death benefits while still alive. The discussion highlights the benefits of having such a rider, including the potential tax implications and the conditions under which these benefits can be accessed.Chapters:(00:20) Welcome(00:44) The Importance of the Terminal Illness RiderThe Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc., shows you exactly what you need to do to protect your income and way of life.For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online. Stay up to date with Billy on Facebook and LinkedIn.If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com.

In this episode, Billy Gwaltney discusses the intricacies of insurance coverage during claims, particularly focusing on the limitations of increasing coverage based on salary changes. He explains the formula used by companies to determine eligibility for coverage and the stipulations surrounding benefit increase riders.Chapters:(00:20) Welcome(00:51) Understanding the Term Life Insurance MarketThe Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc., shows you exactly what you need to do to protect your income and way of life.For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online. Stay up to date with Billy on Facebook and LinkedIn.If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com.

After the sudden loss of a close friend, we felt compelled to have a conversation most fathers avoid—but shouldn't. In this episode, we talk honestly about preparing your family for the unthinkable. Not because money can ease grief (it can't), but because wise preparation can remove unnecessary fear, confusion, and pressure when tragedy strikes. This isn't about morbid planning or living in fear. It's about faithful stewardship and providing for your family which is what every father is responsible for. Loving your family means planning for both the future you hope for and the one you can't predict. Links Mentioned in This Episode Policygenuis.com  Survivors Guide: outpostadvisors.net/s/Survivors-Guide.pdf Donate to the Family of Joshua Perry: https://www.gofundme.com/f/honoring-joshua-perrys-memory-and-supporting-his-family  Send a screenshot of your donation to mark@abrahamswallet.com for a matching donation Previous Episodes That May be Helpful Insurance Series - November 2019 Before Your Parent Dies Series - Sept 2020 Protecting Your Money for Future Generations - July 31, 2024 Chapters (00:00:00) - Be a Biblical Boss for Your Family(00:00:36) - Abraham's Wallet: Are You Ready to Die?(00:05:27) - Wonders of the World: Financial Planning(00:07:03) - How to Prepare for the Day You Die(00:07:52) - Should You Buy Life Insurance?(00:11:51) - The Story of Joseph and His Preparing for the Future(00:14:37) - Life Insurance, the 4% Rule(00:23:56) - Term Life Insurance(00:27:09) - What Would Be Very Hard If a Family Leader Were Dead?(00:30:11) - Have You Developed a Plan for If Your Wife Dies?(00:32:45) - What Happens If Your Death Was Due to Negligence?(00:35:08) - The Secret to a Successful Business Plan(00:38:00) - 5 Things You Need to Do Before You Die(00:40:54) - A Death Wish List for Family(00:45:29) - Widows and orphans need our help(00:51:27) - Family Preparedness for the 31st

Is term life insurance actually the best way to protect your family, or are you missing out on a massive financial opportunity? In this episode, we break down the critical differences between cheap term policies and the living benefits of whole life insurance, specifically how you can use the latter to fund your business and real estate investments. Learn how to evaluate your current debts and obligations to decide if you should stick with the basics or start using insurance to stockpile tax-free wealth.

If you've ever wondered how to charge what your work is actually worth, this conversation hands you the playbook. Erin and Keri dig in with guest Sarah Petty on switching from “everyone” to right-fit clients, and building systems that serve deeply and profit fairly, so you stop running on volume and start running a business. Sarah is a New York Times best-selling author, highly-acclaimed speaker, author, MBA and coach who started her own boutique photography studio after working for Coca Cola for 20 years and then meeting the marketing goals of a top regional advertising agency's clients. It was at this ad agency where she taught small businesses the value of a strong foundation and how they would grow with a strong brand. She attributes the rapid growth of her boutique photography studio, which was named one of the most profitable in the country within just five years in business by PPA, to the creation of her own strong brand. Join our online community: ⁠www.getthehelloutofdebt.com⁠  You can find Sarah at www.photographybusinessinstitute.com and follow her online at https://www.instagram.com/sarah.petty/  Get your copy of Sarah's book, “Worth Every Penny” here: https://amzn.to/4hWBI6u  Today's episode is brought to you by PolicyMe.  Term Life Insurance: https://api.fintelconnect.com/t/l/65afef8bdd380e001c5ac59f Critical Illness Insurance: https://api.fintelconnect.com/t/l/65aff166208d83001bcf9cef Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

If fear, self-doubt, or perfectionism have ever stalled your financial progress, hit play. Erin and Keri talk through how to stop letting anxiety and under-earning run the show, and Erin has solid strategies on how to take bold, messy, money-making action. Get ready - you'll walk away from this one ready to move. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by PolicyMe. 

If you have ever thought overdraft was a safety net, think again. Erin and Keri reveal how this so-called “protection” is actually a profit center for banks, and how to cut it loose for good. If you're ready to stop giving the bank your hard-earned money and start building wealth, this is your turning point. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by PolicyMe. 

963. Laura answers a listener's question about what happens when a term life insurance policy expires.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

В данном подкасте мы осудим страховки жизни от банков и как может влиять смерть супруга на владение недвижимостью. Обсуждаемые вопросы: 1) может ли государство заставить продать недвижимость 2) нужно платить подоходный налог умершему? 3) разрешает ли банк переносить ипотеку на супруга 4) что может заставить банк делать супруга через суд 5) можно ли повлиять на выбор риелтора или цену продажи дома если продает банк 6) опасность брать страховку жизни в банке 7) что происходит со страховкой если уехали из Канады (далее…) ————————————————- The content of this site and our podcasts are for information only. Everybody's financial situation is different and the thoughts we provide here may not be applicable to you. We can't be held responsible for the consequences if you pursue an unsuitable course of action. Сообщение Term life insurance, а также хитрые способы банка испортить вам жизнь | 307 появились сначала на Moneyinside.ca-самый популярный финансовый подкаст в Канаде!.

Types of Policies

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---

In this conversation, Dylan Silver and Alton Dawsey explore the critical intersection of real estate investment and life insurance. Alton shares his journey into real estate during the 2008 crash and how he recognized the importance of life insurance for real estate investors. They discuss the significance of having a term life insurance policy that aligns with property mortgages, the common misconceptions about insurance, and the need for investors to consider insurance as a strategic part of their financial planning. The conversation emphasizes the importance of protecting assets for future generations and encourages investors to integrate insurance into their investment strategies.   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   —--------------------

In this lively and eye-opening conversation, Tiffany sits down with LaDarris Hunt, a seasoned life insurance expert, to break down the basics—and the big differences—between term and whole life insurance. Whether you think you've heard it all before or you're just now considering coverage, this episode covers what you really need to know about protecting your loved ones, building generational wealth, and making the smartest insurance choices for your life stage.What You'll LearnWhat is Life Insurance, Really?LaDarris defines life insurance in simple terms: it's all about transferring risk from you to the insurance company so your loved ones are protected financially if the unthinkable happens.Term vs. Whole Life Insurance, DemystifiedLearn the fundamental differences:Term life: Like renting coverage—good for set periods; great for providing income replacement while you have big financial responsibilities.Whole life: A permanent policy with a guaranteed payout; builds cash value and is best for final expenses or leaving a legacy.Who Needs What—And WhenTips on which type of policy might fit you best at different life stages, whether you're a single young adult, a new parent, or nearing retirement.Cash Value: The Good, the Bad, and the TruthLaDarris debunks some common confusion about cash value in life insurance—especially what whole life policies can (and can't) do for you.Why Your Insurance Carrier MattersAn eye-opening story highlights the real-world impact of choosing a mutual company versus a stock company, especially in historically underserved communities.The Power of Working With an Independent AgentFind out why shopping around—rather than sticking with a single carrier—can make all the difference for your family's financial future.Connect with LaDarris HuntWebsite: https://ladarrishunt.com/Connect with TiffanyWebsite: https://moneytalkwitht.comFollow Tiff on all platforms: @moneytalkwithtDon't ForgetIf you enjoyed this episode, make sure to subscribe and tune in every Thursday for the latest practical money lessons, personal finance tips, and candid conversations!

Is term life insurance the right choice for you? Find out in this episode as our guest, Lawrence Keller joins us to discuss term life insurance and break down: ✅ What term life insurance is & how it works. ✅ The key differences between term and whole life insurance. ✅ Why some choose term over whole life. ✅ The different types of term policies (fixed, increasing, decreasing, annual renewable). ✅ The benefits of term life insurance. ✅ Whether young doctors really need life insurance. Lawrence B. Keller is a CERTIFIED FINANCIAL PLANNER™ professional and the founder of Physician Financial Services, a company dealing exclusively with the financial needs and concerns of members of the medical profession. Mr. Keller has spent the last thirty three years providing insurance and investment products and services to resident, fellow and attending physicians. These include, but are not limited to, disability income insurance, life insurance, and investments. Mr. Keller represents many well-respected companies in the financial services industry, which allows him the flexibility to provide unbiased advice and help recommend products that best suit each individuals needs and concerns. Recognizing that a physician's time is limited, and in an effort to remain knowledgeable to provide the most value to his clients, Mr. Keller has obtained his CFP® certification as well as earned the Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Registered Health Underwriter (RHU) and Life Underwriter Training Council Fellow (LUTCF) designations.   This episode is sponsored by St John Associates. St. John Associates is a physician recruiting firm that was recommended to us by one of our listeners. They've been around for over 33 years, matched thousands of physicians with healthcare employers across the country, and their services are completely free to job seeking physicians. Their orthopedic surgery team, one of the top national recruiting teams in the ortho market, has over 18 years of experience and hundreds of matches in all ortho subspecialties. Visit them at StJohnJobs.com/Ortho to get started with your completely free orthopedic job search today. Following that link will let them know that you found them through us.

Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Brianna Johnson. Lgnd Life Financial is a mission-driven financial services company dedicated to empowering individuals, families, and small businesses through comprehensive financial literacy and life insurance education. Founded by Brianna Johnson, a visionary leader and top life insurance agent, Lgnd Life has redefined the industry by providing tailored solutions that protect and build wealth for its clients. With a track record of serving over 5,000 families and paying out millions in claims, Lgnd Life Financial stands as a trusted partner in securing financial futures. Licensed in over 25 states, the company also invests in the next generation of professionals by training and mentoring more than 250 life insurance agents, fostering a community of excellence and empowerment. At Lgnd Life, the mission goes beyond policies—it's about creating legacies. She is a visionary entrepreneur, financial expert, and the founder of Lgnd Life Financial, a company dedicated to empowering individuals and families to build wealth and secure their financial futures. Born and raised in Chicago, Brianna began her entrepreneurial journey at just 14, owning two successful clothing stores and hair salons by the age of 22. At 24, she boldly transitioned into the financial services industry, combining her passion for helping others with her knack for business innovation. Through Lgnd Life Financial, Brianna has served over 5,000 families and paid out millions in claims, ensuring financial stability for her clients. Licensed in over 25 states, she has also mentored and trained more than 250 life insurance agents, fostering growth and success in the financial sector. Brianna is committed to breaking barriers, particularly for women and minorities, and inspiring others to create lasting legacies for their families and communities. #BEST #SHMS #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Brianna Johnson. Lgnd Life Financial is a mission-driven financial services company dedicated to empowering individuals, families, and small businesses through comprehensive financial literacy and life insurance education. Founded by Brianna Johnson, a visionary leader and top life insurance agent, Lgnd Life has redefined the industry by providing tailored solutions that protect and build wealth for its clients. With a track record of serving over 5,000 families and paying out millions in claims, Lgnd Life Financial stands as a trusted partner in securing financial futures. Licensed in over 25 states, the company also invests in the next generation of professionals by training and mentoring more than 250 life insurance agents, fostering a community of excellence and empowerment. At Lgnd Life, the mission goes beyond policies—it's about creating legacies. She is a visionary entrepreneur, financial expert, and the founder of Lgnd Life Financial, a company dedicated to empowering individuals and families to build wealth and secure their financial futures. Born and raised in Chicago, Brianna began her entrepreneurial journey at just 14, owning two successful clothing stores and hair salons by the age of 22. At 24, she boldly transitioned into the financial services industry, combining her passion for helping others with her knack for business innovation. Through Lgnd Life Financial, Brianna has served over 5,000 families and paid out millions in claims, ensuring financial stability for her clients. Licensed in over 25 states, she has also mentored and trained more than 250 life insurance agents, fostering growth and success in the financial sector. Brianna is committed to breaking barriers, particularly for women and minorities, and inspiring others to create lasting legacies for their families and communities. #BEST #SHMS #STRAWSee omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Brianna Johnson. Lgnd Life Financial is a mission-driven financial services company dedicated to empowering individuals, families, and small businesses through comprehensive financial literacy and life insurance education. Founded by Brianna Johnson, a visionary leader and top life insurance agent, Lgnd Life has redefined the industry by providing tailored solutions that protect and build wealth for its clients. With a track record of serving over 5,000 families and paying out millions in claims, Lgnd Life Financial stands as a trusted partner in securing financial futures. Licensed in over 25 states, the company also invests in the next generation of professionals by training and mentoring more than 250 life insurance agents, fostering a community of excellence and empowerment. At Lgnd Life, the mission goes beyond policies—it's about creating legacies. She is a visionary entrepreneur, financial expert, and the founder of Lgnd Life Financial, a company dedicated to empowering individuals and families to build wealth and secure their financial futures. Born and raised in Chicago, Brianna began her entrepreneurial journey at just 14, owning two successful clothing stores and hair salons by the age of 22. At 24, she boldly transitioned into the financial services industry, combining her passion for helping others with her knack for business innovation. Through Lgnd Life Financial, Brianna has served over 5,000 families and paid out millions in claims, ensuring financial stability for her clients. Licensed in over 25 states, she has also mentored and trained more than 250 life insurance agents, fostering growth and success in the financial sector. Brianna is committed to breaking barriers, particularly for women and minorities, and inspiring others to create lasting legacies for their families and communities. #BEST #SHMS #STRAWSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Choosing the right life insurance is crucial for your financial well-being, but term life insurance isn't always the best fit for everyone, and there are specific scenarios where it might fall short. In this episode of Wise Money, we dive deep into the world of life insurance and explore how you can find the best life insurance option for your unique financial situation. Season 10, Episode 23 Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://link.chtbl.com/WiseMoney  Watch this episode on YouTube: https://youtu.be/4oq8_-kijTQ  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

Life insurance is essential for pharmacists to safeguard loved ones, cover student loans, and secure financial stability in the face of unexpected events. With significant debt and financial responsibilities, pharmacists require tailored coverage to meet their unique needs. In this episode, we tackle a listener's question about what to do once a 30-year term-life insurance policy ends. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup YFP Book a Discovery Call: Financial Planning Services YFP Life Insurance for Pharmacists: The Ultimate Guide Subscribe to the YFP Newsletter YFP Disclaimer

They say life insurance is like a parachute. If you don't have it the first time, odds are you won't need it again.While that's a funny line, all kidding aside, life insurance is the only way most people can provide for their families if they should die. But what happens when it ends?Term life insurance is often recommended due to its simplicity and affordability. Unlike whole life insurance, it doesn't combine investing with a death benefit, allowing you to invest separately for better financial returns. But when your term life insurance expires, what should you do? Let's explore the four options available to you.1. Let the Policy LapseWhen your term life insurance expires, you can choose to let the policy lapse. This option may make sense if you no longer need life insurance. For instance, if your kids are grown, out of the house, and supporting themselves, and your spouse's income (plus Social Security survivor benefits) can cover their needs, you might find that life insurance is an unnecessary expense. In such cases, you can redirect that money into your retirement savings or other financial goals.2. Purchase a New Term PolicyYou may need a new term policy if you still have dependents who rely on your income or if your spouse's income cannot cover your household expenses. A common recommendation is to aim for a death benefit that's 10 to 12 times your annual salary.However, be prepared for higher premiums. The cost of a new policy increases with age, so a 50-year-old male could expect to pay around $80 a month for a $500,000 policy—about four times what a 30-year-old would pay for the same coverage. That said, you may need less coverage if the policy is intended only for your spouse, such as a policy that would cover your remaining mortgage balance.Ways to Reduce Premiums:Lower the death benefit: If a $500,000 policy is too expensive, consider reducing the coverage to $250,000 or another lower amount that still meets your needs.Shorten the term: If a 20-year term is costly, a 10-year term might be sufficient to ensure you meet financial obligations like paying off a mortgage. Pay annually: Some insurance companies offer a 5% discount if you pay your premiums in a lump sum once a year rather than monthly.3. Extend Your Current Policy Another option is to extend your existing term policy. The advantage here is that you won't need a medical exam or any additional underwriting. However, the cost will likely be higher because the insurer assumes more risk by not evaluating your current health. If you've developed a severe medical condition that disqualifies you from purchasing a new policy, extending the current one may be your best option—if you can afford the premiums.4. Opt for a Simplified or Instant Issue PolicyIf extending your policy or getting a new one isn't feasible, you can consider a "simplified term" or "instant issue" policy. These policies don't require a medical exam, and you can often get approved online. However, there are some trade-offs:Smaller death benefit: Instant issue policies tend to offer lower coverage amounts.Shorter term: The length of the policy may be shorter than standard term policies.Higher premiums: The convenience of skipping a medical exam comes at a price, as these policies often cost more than traditional term policies.Despite these drawbacks, an instant issue policy could be a blessing if other options are unavailable due to medical conditions or financial constraints.When your term life insurance expires, you have several options, each with pros and cons. Whether you let the policy lapse, buy a new one, extend your existing coverage, or opt for a simplified policy, the best choice depends on your current financial situation and future needs. Evaluate your options carefully to ensure you're providing for your loved ones in a way that aligns with your budget and long-term goals.On Today's Program, Rob Answers Listener Questions:My husband's new church is providing a portion of his salary specifically for retirement, and they want us to manage it. We've already maxed out our Roth IRAs. What's the best way for us to save and invest this additional retirement money the church is giving us?I have a 22-year-old son who is graduating with a computer science degree. He's worked part-time since high school and is very frugal with his money. Now that he'll be making much more money in a full-time job, I don't have much financial wisdom to offer him when investing his money. What percentages should he put into savings versus investments? And what would be the best way for him to invest his money?Resources Mentioned:Open Hands FinanceList of Faith-Based Investing FundsLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Life insurance is the only way most people can provide for their families if they should die unexpectedly. But what happens when you come to the end of the term insurance you signed up for? On today's Faith & Finance Live, Rob West will explain what happens when your term life insurance ends. Then he’ll answer your questions on various financial topics. See omnystudio.com/listener for privacy information.

Becoming Your Own Banker by Nelson Nash: https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Visit our website: https://www.thewealthwarehousepodcast.com/Term life insurance has long been a favored product due to it's affordability and coverage.While this is right direction, it isn't the destination when it comes to securing your financial future.In this week's episode, Dave and Paul break down the argument for whole-life insurance vs. term life insurance and give you the right framing and context you need to understand where you're parking your money.Episode Highlights:0:00 - Teaser0:18 - Introduction2:44 - Being “coachable” in IBC4:39 - Whole life insurance is cheaper than term life insurance8:07 - Most people are surrounded by liabilities9:25 - Why is term a liability?13:22 - What is a sunk cost?16:42 - What's really expensive?17:25 - Your money has to reside somewhere19:11 - I made it to age 60.. Now what?21:43 - The only thing that gets better w/ age23:30 - Non-forfeiture options25:17 - Your life insurance: will it be an asset or liability?27:23 - Episode wrap-upABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Visit our website: https://www.thewealthwarehousepodcast.com/ Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email: davidandpaul@theibcguys.com

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Therapy for Your Money: Becoming a Wealthy TherapistIn this episode of 'Therapy for Your Money,' host Julie Herres discusses her insights on wealth accumulation for therapists. The economic rules discussed include spending less than what one earns, saving at least 10% of annual income, using debt wisely, having term life insurance if one has dependents, having emergency funds personally and in business, and ensuring one has a will. Lastly, she emphasizes the need for consistency in practicing these habits and that becoming wealthy is usually gradual.Episode Highlights00:00 Introduction to the Podcast00:51 The Wealthy Therapist: Breaking Down the Stigma02:39 The Six Rules to Financial Success02:39 Rule 1: Spend Less Than You Make04:31 Rule 2: The 10 Percent Rule12:03 Rule 3: Term Life Insurance for Dependents15:58 Rule 4: The Importance of Having a Will16:31 Rule 5: The Necessity of an Emergency Fund17:46 Rule 6: Using Debt Wisely18:39 Book Recommendation Links and ResourcesBook Recommendation: The Wealthy Barber, Everyone's Common Sense Guide to Becoming Financially IndependentGreenOak Accounting - www.GreenOakAccounting.comTherapy For Your Money Podcast - www.TherapyForYourMoney.comProfit First for Therapists - www.ProfitFirstForTherapists.comProfit First Academy - www.ProfitFirstForTherapists.com/AcademyPodcast Production and Show Notes by Course Creation StudioGet our free KPI tracker to see how you practice measures up to others in the industry! www.therapyforyourmoney.com/kpi

Adam Hancock is a national award-winning State Farm Agent from Montrose, Colorado. He has a wealth of experience as a third-generation state farm agent and is a recipient of their prestigious President's Club. Adam got his professional start in the United States Navy, owned a landscaping business, and then followed in his family's footsteps into the insurance industry. Adam studied engineering at Colorado Mesa University and has his BA in Business Management from the University of Phoenix. In this conversation, we'll explore Adam's journey from the Navy to State Farm and the key questions young people, middle-career professionals, and those nearing retirement should ask about their insurance coverages and needs for their life stage. I'm interested in unpacking these questions and many more to ensure our listeners have the proper protections for their families and that your long-term objectives are being met so lets jump in!

Do you really need life insurance? What factors impact your life insurance decisions? 00:00 - Intro 00:38 - Introducing Ben Krapu - Financial Advisor for Knights of Columbus 00:59 - Most Important Insurance Policies 02:20 - Is Life Insurance Essential For Everyone? 03:12 - Term vs Permanent Life Insurance 04:13 - Shopping Around - What to Look For? 07:26 - The Claim Process 10:36 - Is to Get Too Much Life Insurance Possible? 16:14 - Personal Life Insurance Philosophies 19:34 - Blanket Advice from the Internet 23:44 - Different Term Life Insurance Strategies 25:40 - Protecting Your Insurability 30:59 - Get Motivated to for Life Insurance 34:06 - Consequences 36:38 - Learn More About Ben and the Knights of Columbus In Episode 66 of the HopeFilled Financial Podcast, Jay interviews Ben Krapu, a financial advisor with the Knights of Columbus. Together, they discuss the need for life insurance and what you might need to know. Life insurance is a challenging topic to think about, but it can be an essential building block to your financial well-being. There are many types of life insurance products out there, and it is important for you to understand what will serve you best in your exact situation. This interview is a great introduction to the topic. What did you learn from today's episode? Links: More About the Knights of Columbus: https://www.kofc.org/en/what-we-do/insurance/index.html More About Ben: https://info.kofcassetadvisors.org/Meet-Ben-Krapu.html Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial). Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com  Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

Most people think life insurance is for when you die, it is, but, you can also use the life benefits of whole life insurance while you're still alive. What about term insurance though? Is it any good or is it a waste of money? Many people who have term life insurance now are going to be severely disappointed when their term is up because you can't turn back the clock and get new coverage at the same low rates you had before. Resources: To get your life insurance reviewed call McFie Insurance at 702-660-7000 or email: team@mcfieinsurance.com Follow the Wealth Talks Podcast on: Instagram: https://www.instagram.com/wealthtalkspodcast/?utm_source=ig_web_button_share_sheet&igshid=OGQ5ZDc2ODk2ZA==   Facebook: https://www.facebook.com/profile.php?id=61554798231074   Listen to the Wealth Talks Podcast on: Apple Podcasts: https://podcasts.apple.com/gb/podcast/wealth-talks/id978187163   Spotify: https://open.spotify.com/show/7MOugefeGkTl5jdkhYdjvQ?si=80ce9359d8e54cc8 Watch on YouTube: https://youtu.be/VjQg5RPgEok

Does it feel like you're constantly being pitched life insurance? There's a reason for that and we're going to tell you why. In this episode, Zacc Call and Laura Hadley explore the intricacies of life insurance. Zacc shares his journey with thyroid cancer and underscores the value of life insurance in providing financial security during unforeseen health issues.  They discuss the importance of determining the right amount of coverage, differentiating between term and permanent life insurance, and the potential pitfalls of policies with investment components.  The conversation also covers the motives behind selling permanent life insurance, the role of financial professionals, and the considerations for children's life insurance and funeral costs. Zacc and Laura discuss: Zacc's personal story about being diagnosed with thyroid cancer & how it impacted his ability to obtain life insurance How you can determine the right amount of insurance coverage for your situation The investment aspects of permanent life insurance Life insurance for children + employer-provided insurance And more   Connect with Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network

Becoming your own banker, the infinite banking concept, bank on yourself and other financial concepts promote the idea of using the life benefits of life insurance. Many people think life insurance is for when you die, that's true, but you can also use life insurance while you're still alive. There are benefits to using life insurance as a financial tool that you cannot get with any other financial products. But the problem is there is good life insurance and bad life insurance and too many people who want good life insurance wind up getting bad life insurance. We talk about good life insurance, bad life insurance and how to get a good life insurance policy with cash value so that you can be your own banker. Resources: Life insurance policy sales and review McFieInsurance.com  Contact: Team@mcfieinsurance.com | 702-660-7000 0:00 How to Be Your Own Banker 3:15 History of life insurance 5:38 Types of life insurance 7:09 The two types of life insurance 8:56 The origin of Buy Term, Invest the Difference 11:26 Term life insurance, universal life insurance, indexed universal life insurance (IUL) and whole life insurance 15:00 Reviewing an IUL policy 18:23 How to set up your finances 20:57 How to tell if a life insurance policy is good or bad 22:39 10/90 Infinite banking policy (IBC) 25:11 Guaranteed vs non-guaranteed values 30:13 The difference between cash value and death benefit Follow along: Instagram: https://www.instagram.com/wealthtalkspodcast/?utm_source=ig_web_button_share_sheet&igshid=OGQ5ZDc2ODk2ZA==  Facebook: https://www.facebook.com/profile.php?id=61554798231074  Watch on Youtube: https://youtu.be/-sUT5xUCkbs

Take a closer look at term life insurance, including the underlying mechanisms, when it's most useful, and how rates are determined.

Worried about leaving your family vulnerable? Uncover the 5 hidden powers of term life insurance and discover how it can become your secret weapon for securing your future and achieving financial peace of mind! Listen now and unlock a brighter tomorrow! Got questions? Our insurance experts are here for you at 801-404-3389. Punch in those digits and let's chat!

Dave Ramsey and many others bash Life Insurance "Sales Guys" every day.  "Buy Term and Invest the Difference" is preached like it is the 11th commandment.As in EVERY profession, there are good and bad actors.  As I always say, "Your Net WORK is your Net WORTH" my network has expanded dramatically over the last 5 years especially over and recently was introduced on LinkedIn to a "good" actor in the Life Insurance business that has decades of experience and stories to tell.Bob's philosophy is simple- if it doesn't feel right for the client, don't do it.  And having been in the business for 39 years with ZERO consumer complaints is proof that the philosophy is working.  Tip/Trivia – Less than TWO percent of Term Life Insurance policies pay out!  RESOURCES MENTIONED:Signup for my newsletter!Episode 32 - BENEFIT from InflationEpisode 40 - The "anti" Financial Advisor Chris MilesEpisode 81 - Interview with my State Farm AgentDo Not Buy(Or Offer) An Indexed Universal Life Until You Read ThisAccelerated Benefit RiderWhat is Medicaid Spend Down?CONNECT WITH BOB: Deighton FinancialLife Insurance GuideC 941-685-8854  Toll Free 1-866-365-6558SHOW SPONSORSFreedom FamilySimple Passive CashflowHero LendingFocus Wealth GroupSupport the showUranium Spotlight: Nuclear's Resurgence in a Clean Energy WorldA weekly podcast on uranium fuel market trends and its global energy impactListen on: Apple Podcasts SpotifySupport the show

Many people feel embarrassed when we meet that they have term life insurance. I do not hate term; it has it's use, just not for the long-term. Audio Production by Podsworth Media - https://podsworth.com 

This week's episode features an interview with Devin Burr also known as Mr. BRRRR. Devin is a real estate investor that has mastered the concept of “Infinite Banking” that has allowed him to become his own bank. Devin currently generates over $100,000 per month and has a life goal of becoming a billionaire so that he can help reform the education system. Throughout the episode, we explore the Infinite Banking strategy at length and learn how this unconventional wealth building vehicle empowers individuals to multiply their money by strategically leveraging different life insurance policies. Devin goes into detail on how this strategy can be utilized to acquire businesses and other income-producing assets, such as real estate. He shares real-life examples and success stories of individuals, including himself, who have leveraged Infinite Banking to make profitable investments much faster than using traditional methods. Whether you're a seasoned investor or just starting on your financial journey, this episode is filled with invaluable tips and strategies to make the most of your money. If you are interested in exploring this strategy further and would like to schedule a call with Devin's team, click the link below in the show notes. Cheers! Devin's Social MediaDevin Burr (@mr_brrrr) | TikTokDevin Burr (@mr_brrrr) • Instagram photos and videos**If you enjoy the show, please leave us a review on Apple Podcasts or Spotify! It takes less than a minuteand makes a huge difference in helping us land high profile guests to best serve our audience.Are you looking to partner on real estate deals or expand your personal portfolio? Click here to join ourinvestor club and be notified about upcoming partnership opportunities.Previous Guests on The Weekly Juice Podcast include:  Brandon Turner, Tarek El-Moussa, David Greene, Tony J. Robinson, Mike Ayala, Jamie Gruber, RobertCroak, Mark Simpson, Chad “Coach” Carson, Heather Blankenship, Tim Bratz, J. Scott, MattFaircloth, Michael Elefante, Devon Kennard, Paula Pant, Jake Harris, and Avery CarlFollow Us on Social Media:Instagram: instagram.com/weeklyjuicepodYouTube: youtube.com/@weeklyjuicepodTwitter: twitter.com/weeklyjuicepodThreads: threads.net/@weeklyjuicepodTikTok: tiktok.com/@weeklyjuicepod**This episode is brought to you by  RentRedi . We get asked all the time how we manage our real estateportfolio while still having W2 jobs. Our secret is RentRedi. This all-inclusive property managementsoftware can do it all. It helps us with rent collection, accounting, tenant screening, maintenancerequests, marketing, tenant communication and much more. To get more of your time back andstreamline your rental portfolio with RentRedi, make sure to use promo code “JUICEPOD” to receive50% off any plan.  **Disclaimer: The information provided in this podcast is for informational purposes only and should notbe considered as financial advice. The content of this podcast is based on the personal opinions andexperiences of the speakers, and it is important to do your own research and seek professional advicebefore making any financial decisions. Investing in financial markets involves risk, and you should beaware of the potential for loss. Always consult with a qualified financial advisor or professional beforemaking any investment decisions. Remember, the opinions expressed in this podcast are solely those ofthe individuals involved and do not necessarily reflect the views of any organizations they are affiliatedwith. 

I'm working with an advisor and she's pushing us to get whole life insurance policies. I was initially thinking we needed term policies so now I'm wondering if this is the right move? Have a money question? Email us, ask jill [at] jill on money dot com. Please leave us a rating or review in Apple Podcasts. "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. 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

- Foxconn Works to Get iPhone City Plant Back to “Normal Productivity” - Bloomberg: Shorter AirDrop for “Everyone” Going Global in 2023 - Apple Issues Bug Fix Firmware Update for AirPods Range - Apple Issues Mystery Firmware Update for AirTag - Apple Says Emergency SOS via Satellite Goes Live “Later This Month” - Apple Slashes Trade-In Values for Many Old Devices - Apple Pulls Another Half-a-Million Abandoned Apps from App Store - Steve Jobs' Birkenstocks Up for Auction - Sponsored by Ladder - Smart, Dynamic, Term Life Insurance. Learn more at LadderLife.com/macosken. - Looking for The Mac Observer's Daily Observations Podcast? Put this link in your podctcher of choice: https://www.macobserver.com/rss/dailyobservations_mp3.xml - Power what we do next for as little as $1 a month. Join the Mac OS Ken Test Kitchen at Patreon at Patreon.com/macosken - Send me an email: info@macosken.com or call (716)780-4080!

- Report: TSMC Considering 3nm Processor Plant in AZ - Apple Releases iOS/iPadOS 16.1.1 and macOS 13.0.1 - iOS 16.1.1 Brings AirDrop Time Limit for "Everyone" in China - Apple Releases Second Beta of macOS Ventura 13.1 to Public Testers - Apple Releases Second Betas of iOS/iPadOS 16.2 to Public Testers - Hints of “Custom Accessibility Mode” Found in iOS 16.2 Beta 2 - Colorado State IDs Can Now Slide Into Apple Wallet - Apple TV+ Green Lights Second Season of “Bad Sisters” - Bad Bunny Named Apple Music Artist of the Year - Sponsored by Ladder - Smart, Dynamic, Term Life Insurance. Learn more at LadderLife.com/macosken. - Looking for The Mac Observer's Daily Observations Podcast? Put this link in your podctcher of choice: https://www.macobserver.com/rss/dailyobservations_mp3.xml - Power what we do next for as little as $1 a month. Join the Mac OS Ken Test Kitchen at Patreon at Patreon.com/macosken - Send me an email: info@macosken.com or call (716)780-4080!

- Morgan Stanley Trims Apple Target, Stays “Overweight” on Apple - Financial Times Looks at Apple's Relationship with China - NYT Looks at Apple's Relationship with China and a Dead Deal for Storage - Kroger SoCal Subsidiary Ralphs Now Accepts Apple Pay - Apple Outs New Round of OS Developer Betas - Apple Releases Firmware Updates for AirPods Pro 2 and Beats Devices - Apple Announces Special Edition Melody Ehsani Powerbeats Pro - New Apple Vancouver Flagship Opening Soon - Sponsored by Ladder - Smart, Dynamic, Term Life Insurance. Learn more at LadderLife.com/macosken. - Looking for The Mac Observer's Daily Observations Podcast? Put this link in your podctcher of choice: https://www.macobserver.com/rss/dailyobservations_mp3.xml - Power what we do next for as little as $1 a month. Join the Mac OS Ken Test Kitchen at Patreon at Patreon.com/macosken - Send me an email: info@macosken.com or call (716)780-4080!

- Markets Shrug-Off iPhone Warning Ahead of Midterms and CPI Report - Apple 3.0: A Roundup of Reactions to Apple's iPhone Warning - WSJ: Sources Say Zhengzhou COVID Situation Worse Than Foxconn Let On - MacRumors Says iOS 16.1.1 Turning Up in Web Analytics - AppleInsider: iOS 16.1.1 Likely to Activate SOS via Satellite Feature - “Father of iPod” Tony Fadell Joins Arm Board of Directors - Apple Uses (RED) Metropolitan Watch Face to Raise World AIDS Day Awareness - Sponsored by Ladder - Smart, Dynamic, Term Life Insurance. Learn more at LadderLife.com/macosken. - Looking for The Mac Observer's Daily Observations Podcast? Put this link in your podctcher of choice: https://www.macobserver.com/rss/dailyobservations_mp3.xml - Power what we do next for as little as $1 a month. Join the Mac OS Ken Test Kitchen at Patreon at Patreon.com/macosken - Send me an email: info@macosken.com or call (716)780-4080!

Take our Audience Survey & Enter to Win a $500 Visa Gift Card: Click here to take the survey Dave Ramsey & Ken Coleman discuss: How much term life insurance you need, Avoiding borrowing money for educational training, Working through financial hardships. Support Our Sponsor: PODS Moving & Storage Splash Financial Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy