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Nobody beats Scottie Scheffler, even as an investment. People tapping into 401(k)s early and plans adding private equity. Why the 529 scorches that universal life plan to pay for college – OMG! Plus crypto mania running amok and younger woman catching up to men and narrowing the retirement savings gap.
In this episode of Beer and Money, Ryan Burklo, Alex Collins, and Mark SanGiacomo delve into the complexities of life insurance, discussing its various types, the importance of income replacement, and how to determine the right amount of coverage. They explore the differences between term and permanent insurance, including whole life and universal life policies, emphasizing the need for personalized financial planning. The conversation highlights the significance of understanding insurance products, their benefits, and potential drawbacks, ultimately guiding listeners towards making informed decisions about their financial security. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways Life insurance is primarily about income replacement. Determining the right amount of insurance is crucial. Your most valuable asset is yourself and your income. Life insurance should fit into a broader financial plan. There are two main types of life insurance: term and permanent. Universal life insurance offers flexibility but has growing costs. Whole life insurance provides guarantees and stability. Policy dividends can enhance whole life policies but are not guaranteed. Understanding the terms of your policy is essential for long-term planning. Consulting with a financial professional is vital for making informed decisions. Chapters 00:00 Introduction to Life Insurance Types 02:52 Understanding Income Replacement and Coverage Needs 05:57 Exploring Life Insurance Products: Term vs. Permanent 08:50 Diving Deeper into Universal Life Insurance 12:00 Understanding Whole Life Insurance 15:06 Comparing Universal Life and Whole Life Insurance 18:00 The Importance of Professional Guidance in Life Insurance 21:03 Final Thoughts on Life Insurance Strategies
In this episode, Mary Jo we delves into the complexities and risks associated with universal life insurance policies, using a real-life client scenario to illustrate the issues. This example serves as a cautionary tale about the true cost of these policies, especially for older policyholders, and offers guidance on making informed decisions to potentially avoid substantial losses. Audio Production by Podsworth Media - https://podsworth.com
In this special episode of the Research Insights Podcast, Dale Hall, Managing Director of the Society of Actuaries Research Institute, honors the legacy of James C.H. Anderson—a pioneering actuary and visionary in the insurance world. Joining Dale are four esteemed guests who personally knew and worked with Jim: Jay Jaffe, FSA, MAAA, President of Reinsurance Administration, Ltd. Jim MacGinnitie, former Chief Economist of the American Council of Life Insurers Mike Tuohy, Managing Director at Tillinghast Ron Butkiewicz, CEO of First Penn Pacific Together, they reflect on Jim's groundbreaking contributions, including his revolutionary work in gross premium calculations, profit measurement, and the development of Universal Life products. From his early days at Abbey Life to influential consulting roles in London and Atlanta, Jim's ideas reshaped insurance regulation, product development, and actuarial practice for decades to come. Further Resources to Explore James C. H. Anderson's Legacy: Gross Premium Calculations and Profit Measurement for Nonparticipating Insurance James C. H. Anderson ASA, MAAA, FCA 1975 November Edition of Emphasis – The Universal Life Insurance Policy James C. H. Anderson ASA, MAAA, FCA Insurance Hall of Fame Profile James C. H. Anderson ASA, MAAA, FCA Transactions of Society of Actuaries, 1993 VOL. 45 – Obituary James Charles Henry Anderson Send us your feedback at ResearchInsights@soa.org
In this captivating episode of "Shark Theory," host Baylor Barbee reflects on the upcoming challenge of addressing a unique audience at a fifth-grade graduation. This introspective journey into crafting a memorable speech for young minds leads Baylor to explore universal life themes—principles of success—which apply across different domains of life. His insightful examination offers listeners valuable lessons on leveraging existing strengths to enhance various areas of their lives. The episode delves into the interconnectedness of life disciplines, suggesting that the same dedication driving financial stability can be harnessed for personal health and relationships. Baylor encourages listeners to identify and translate their successful habits from one life domain to others. By fostering disciplines such as goal-setting and consistency, he argues, one can achieve holistic success. Additionally, Baylor emphasizes the value of simplicity in understanding and teaching core competencies, aligning with the concept that profound understanding allows for comprehensive yet straightforward explanations. Key Takeaways: Interconnected Success: Understand that the same discipline applied in one successful area of your life can translate to others. Simplicity is Key: If an idea or process can be sketched simply, like on a napkin, it's often more effective and easily understood. Lifecycle Learning: Engage in continuous learning by teaching and learning from people both younger and older than you. Embrace Expertise: Everyone has a unique skill set or strength; identifying and articulating it can boost confidence and direction. Universal Principles: Success principles are often universal and applicable across different areas of life; leverage what works for you. Notable Quotes: "The themes of life are universal, whatever works in one area will work in others." "You should be able to explain your craft to a kindergartener if you truly understand it." "Learn from someone older and teach someone younger—this is the complete circle of life." "You're closer to hitting your goals than you think if you'll just acknowledge the connectivity in your life." "The best way to assert expertise is to simplify and explain it to someone who hasn't understood it yet."
When we first started talking about estate planning with life insurance, it was because we saw a massive disconnect in how families were thinking about their wealth. Not just the numbers. But the purpose behind it. https://www.youtube.com/live/sqVXY199ygQ Bruce and I were in the middle of one of our deeper conversations—talking through how most people think life insurance is just a “check the box” kind of thing. They get the policy, set up a will or trust, and assume their family is covered. But what they haven't thought through is how that money will be used. What it's meant to fund. What kind of mindset or framework their children need to carry it forward well. Bruce said it best in the episode: “You've got a bunch of people out there who are trying to do the right thing—but they're buying the wrong tool for the job. Or they're leaving out the whole reason they got it in the first place: to provide for their family in a way that actually works.” And that's what this article is about. This isn't just about life insurance. It's about using the right kind of policy inside an estate plan that's built for generations, not just legal compliance. It's about creating a strategy that protects your wealth and prepares your children. It's about designing a legacy—on purpose. What Is Estate Planning with Life Insurance—and Why Does It Matter?Why Estate Planning with Life Insurance Creates Immediate LiquidityWhole Life Insurance vs. Universal Life: Why Guarantees MatterUsing Life Insurance to Offset Estate Taxes and Preserve WealthPassing on More Than Money: Embedding Stewardship Into the PlanDesigning Your Policy Without Triggering a MECWhen Estate Planning with Life Insurance Is Part of a Bigger VisionWhat the 2026 Estate Tax Sunset Means for Your FamilyWhat Is an ILIT—and Why You Might Need OneQuick-Start Checklist: How to Begin Estate Planning with Life InsuranceFinal Thoughts: Don't Let the Opportunity Slip AwayWant Help Designing Your Legacy Strategy?Book A Strategy Call What Is Estate Planning with Life Insurance—and Why Does It Matter? Estate planning with life insurance is one of the most overlooked but powerful ways to ensure your family is protected, your assets are preserved, and your values are carried forward with intention. It's not just about paying estate taxes or transferring wealth efficiently. Done right, it gives your heirs time, options, and guidance. It replaces financial panic with peace of mind. And it makes sure that what you've built doesn't just last—it multiplies. If you have real estate, a business, investments, or a vision for generational wealth, this is a conversation you cannot afford to postpone. Why Estate Planning with Life Insurance Creates Immediate Liquidity Here's what most people don't realize: When you pass away, even if your estate is “in order,” your heirs may be stuck needing to pay estate taxes within nine months. If your wealth is tied up in real estate, private equity, or business holdings, your family might be forced to sell those assets at a loss—just to pay the bill. That's where life insurance for estate taxes becomes mission-critical. With a guaranteed death benefit, whole life insurance creates instant liquidity—giving your family the cash they need to cover expenses, hold onto appreciated assets, and stay out of financial distress. In the episode, Bruce shared, “The beauty of this strategy is that it gives you certainty. And certainty is a gift—especially when the world is reeling from loss.” This is what makes estate planning with life insurance such a foundational part of a healthy, functional legacy plan. Whole Life Insurance vs. Universal Life: Why Guarantees Matter Not all life insurance is built to withstand the test of time. Bruce and I have reviewed countless policies that looked good on paper—but were designed with the wrong product. Universal Life policies may seem attractive because of ...
Send us a textThe full text of this podcast can be found in the transcript of this edition or at the following link:https://andrewjbrown.blogspot.com/2024/12/an-obvious-framework-of-ordinary.htmlPlease feel free to post any comments you have about this episode there.The Cambridge Unitarian Church's Sunday Service of Mindful Meditation can be found at this link:https://www.cambridgeunitarian.org/morning-service/ Music, "New Heaven", written by Andrew J. Brown and played by Chris Ingham (piano), Paul Higgs (trumpet), Russ Morgan (drums) and Andrew J. Brown (double bass) Thanks for listening. Just to note that the texts of all these podcasts are available on my blog. You'll also find there a brief biography, info about my career as a musician, & some photography. Feel free to drop by & say hello. Email: caute.brown[at]gmail.com
In this episode, we ask: What do you think of when you think of tried and true products? What if I told you of a product that failed 90% of the time? What about life insurance? Where is the scandal? Where is the front page news? Who is Elan Moas? What is Elan's experience? What...
This week hosts Anthony Faso and Cameron Christensen unravel the complexities of financial products to guide you toward building steadfast wealth. Anthony and Cameron take a deep dive into the world of Indexed Universal Life (IUL) insurance, often humorously dubbed the "redheaded stepchild" of insurance products. Drawing from the financial philosophies of Robert Kiyosaki and Nelson Nash, they dissect the intricacies of IUL, Universal Life, and Whole Life insurance, exposing risks, benefits, and the underlying market trends that shape these products. With casual banter and insightful analogies, they strive to help listeners make well-informed decisions about their financial futures. Don't miss this episode packed with invaluable insights and practical tips! Resources: Join the Infinite Wealth Study Group: https://www.facebook.com/share/g/qC3sAWg6PhHYpRAs/ Schedule your 15-minute call with Anthony or Cameron here: http://bit.ly/iwc15podcast Check our online course at www.InfiniteWealthCourse.com Buy Becoming Your Own Banker by R. Nelson Nash http://bit.ly/BYOBbookIWC
Melissa Grace Chianta is a Jungian Life Coach, dream interpreter, intuitive oracle card reader, and writer who has been involved in publishing and healing arts for more than 25 years. Her expertise in dream work has evolved over more than two decades of her own Jungian analysis; and she also holds a certificate in nonclinical Jungian studies from the C.G. Jung Institute of Los Angeles. She is also a Universal Life minister. She curates the wonderful portal, https://www.thenightisjung.com/, which also celebrates her many offerings. Cara Roxanne is Devon UK based artist who uses dreams and inner landscapes to create a personal mythology from paint and music. Her evocative work can be found at: https://www.cararoxanne.com/ This podcast focuses on their newly released Dreaming Oracle deck which can be explored here: https://www.thenightisjung.com/the-dreaming-oracle This podcast is available on your favorite podcast platform, or here: https://endoftheroad.libsyn.com/episode-304-oracles-of-delphi-part-ii-melissa-grace-chianta-cara-roxannethe-dreaming-oraclethe-night-is-jung Have a blessed holiday weekend!
My guest in this episode is Chris Kirkpatrick. Chris is Founder/CEO of the award-winning LIFE180 Financial Group and other companies. A former Top 100 International Poker Player turned money strategist and entrepreneur, Kirkpatrick passionately shares no-risk, clear-risk, passive income, and executive financial techniques from top 5% earners with a worldwide audience. He is internationally followed as the “Safe-Bet Money Guy”: Avoid the Stock Market Casino & Gamble-Proof Your Life™ and creates content for multiple genres utilizing industry-agnostic growth strategies. Most recently, he has been sought out by corner-office executives and high performers to guide them into their ideal careers. Links: Life 180 Website: https://www.life180.com/ Subscribe To Our Weekly Newsletter: The Wealth Dojo: https://subscribe.wealthdojo.ai/ Download all the Niches Trilogy Books: The 21 Best Cashflow Niches Digital: https://www.cashflowninjaprograms.com/the-21-best-cashflow-niches-book Audio: https://podcasters.spotify.com/pod/show/21-best-cashflow-niches The 21 Most Unique Cashflow Niches Digital: https://www.cashflowninjaprograms.com/the-21-most-unique-cashflow-niches Audio: https://podcasters.spotify.com/pod/show/21-most-unique-niches The 21 Best Cash Growth Niches Digital: https://www.cashflowninjaprograms.com/the-21-best-cash-growth-niches Audio: https://podcasters.spotify.com/pod/show/21-cash-growth-niches The 21 Next Level Cashflow Niches Digital: https://www.cashflowninjaprograms.com/the-21-next-level-cashflow-niches-book-free-download Audio: https://podcasters.spotify.com/pod/show/the-21-next-level-niches Listen To Cashflow Ninja Podcasts: Cashflow Ninja https://podcasters.spotify.com/pod/show/cashflowninja Cashflow Investing Secrets https://podcasters.spotify.com/pod/show/cashflowinvestingsecrets Cashflow Ninja Banking https://podcasters.spotify.com/pod/show/cashflow-ninja-banking Connect With Us: Website: http://cashflowninja.com Podcast: http://cashflowinvestingsecrets.com Podcast: http://cashflowninjabanking.com Substack: https://mclaubscher.substack.com/ Amazon Audible: https://a.co/d/1xfM1Vx Amazon Audible: https://a.co/d/aGzudX0 Facebook: https://www.facebook.com/cashflowninja/ Twitter: https://twitter.com/mclaubscher Instagram: https://www.instagram.com/thecashflowninja/ TikTok: https://www.tiktok.com/@cashflowninja Linkedin: https://www.linkedin.com/in/mclaubscher/ Gab: https://gab.com/cashflowninja Youtube: http://www.youtube.com/c/Cashflowninja Rumble: https://rumble.com/c/c-329875
Today we are having a passionate conversation about the pitfalls of Universal Life and why Whole Life is the ONLY choice if you want a policy structured for infinite banking. Audio Production by Podsworth Media - https://podsworth.com
Retired in 2016 after five terms as Colorado's only Green Party county commissioner, Art Goodtimes has worked as a newspaper editor and he had a 40+ year run writing weekly and monthly op-ed columns for print and online publications including the Telluride Times, the San Miguel Journal, the Telluride Times-Journal, the Watch, the Daily Planet, the MontroseMirror.com, and Colorado Poets Center.Art studied to be a Roman Catholic priest for seven years, and has continued to marry people as a Universal Life minister. Director of the Institute's Telluride Mushroom Festival for its first 25 years, he remains as Cultural Director and Poet-in-Residence.His poetry books include As If the World Really Mattered (La Alameda Press, Albuquerque, 2007) and Looking South to Lone Cone (Western Eye Press, Sedona, 2013). He was co-editor of the anthology MycoEpithalamia: Mushroom Wedding Poems (Fungi Press, CA, 2016). Turn Star Press of Telluride brought out a limited edition chapbook in 2019 that he co-authored called Telluride Valley Floor. Art's latest book is Dancing on Edge: The McRedeye Poems (Lithic Press, Fruita, CO, 2019).This is a free-access, no-paywall episode. Please consider supporting the podcast by subscribing for free or if you're feeling it, as a paying supporter. Either way, thanks! This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit chrisryan.substack.com/subscribe
Often when Reiki teachers use the term "universal life force" it may give the impression of a higher power or god or source in some religious context. Reiki is not religious, nor does it need any religious belief to practice. It is more like the flow of energy you receive from walking in the forest or by the seaside. htpps://www.reiki-centre.com
In today's episode, Wade continues his discussion on key takeaways from the Nelson Nash Institute's annual Think Tank. He shares a compelling client story about understanding the importance of choosing the right product for Infinite Banking, the differences between Whole Life and Universal Life policies, and why Whole Life is the cornerstone for those practicing Infinite Banking. Join Wade as he dives into these crucial insights to help you take control of your financial future. Episode Highlights 01:02 - Story of client inquiry into IBC. 01:43 - Product vs. human problem in financial decisions. 02:11 - Whole life vs. universal life insurance explained. 05:15 - Risks of universal life insurance. 08:40 - Personal experience with insurance mismanagement. 10:30 - Consequences of interest rate assumptions failing. 12:11 - The importance of long-term financial strategies. 15:38 - Potential risks in policy lapses. 17:04 - Need for practical guarantees in financial products. Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/ wade@sagewealthstrategy.com
Welcome to this solstice when the sun appears to standstill allowing us to fully engage with our Universal destiny. This intention is enhanced by the full moon in Capricorn on June 21st/22nd squaring Neptune that challenges us to bring Heaven onto Earth. We're encouraged to fully express Universal dreams in the fullness of life, moving beyond personal excuses & concerns. Then through engagement with our creations, we radiate the light of consciousness & become whole; one with the Universe.
The regulators don't force insurance companies to provide in-force illustrations to their Universal Life policy holders and it allows them to deceive consumers who aren't prepared to do the math required to know the truth. Insurance companies make Bernie Madoff look like a petty thief. Don't fall for it! But before we get into it… […] The post Get an in-force illustration whenever you buy a Universal Life insurance policy! appeared first on Sara Grillo.
Let's bust some myths and let the record be set straight. The five myths we talk about in this episode are: 1. You borrow your money, 2. Premium is post-tax, 3. You collect the interest on loans, 4. You can use Universal Life products for IBC, and 5. You don't have to repay loans. Audio Production by Podsworth Media - https://podsworth.com
Universal Life insurance is quite possibly the most misunderstood and misrepresented product on the market. They're tough to understand and can be even more challenging to explain to a prospect. This podcast will help you understand the difference in (hopefully) easy-to-understand terms. That said, please don't start presenting these if you're a new agent. Focus instead on simple products that you can understand and explain. If you do sell these, please make sure you're doing it right so there are no surprises. Bottom line, we're here to do right by our clients! YouTube version: https://youtu.be/vpqst5A-ZZo Have an idea or topic suggestion? To protect your family, contact us. To change your life, join our team.
Death Benes, Cash Value, Premiums... Confused? Unpack Whole & Universal Life with Life Covered! Find your financial fortress for loved ones. Free Consult: 801-404-3389!
Do you sometimes feel like you have to do it all yourself? Like you're struggling to keep up with everything that needs to be done, but you're not quite making it. Sometimes it can really feel like you're slogging uphill—but does it actually need to be that hard? In this episode, we discuss universal life force. An unseen, infinite, massively powerful, and nurturing force that can help us feel energized and supported. We delve into what it is, and most importantly how to access it. The GFC (Group Frequency Calibration®) meditation associated with this episode will help you to begin to release the distortions that keep you from accessing it. If you would like an opportunity to ask me questions in real-time, join me when I go live on YouTube. Subscribe to the Spherical Luminosity YouTube channel and click the reminder bell to be notified when I am live: bit.ly/SL-YTSubscribe For the latest news about upcoming events and to be notified when sessions with me are released, subscribe to our newsletter: bit.ly/SphericalLuminositynewsletter
What Is Energy Healing? Energy healing is a complementary therapeutic approach that has roots in ancient and traditional medicine. Scientific research is currently ongoing to determine how useful these therapies are, but evidence suggests that certain forms of energy healing and practices (reiki and dowsing energy healing) may reduce and help with pain, depression, anxiety, and support overall well-being. Energy healing is a complementary approach based on that our bodies have energy flowing through them, and that healing can come from helping to balance this flow. It is about restoring energy balance, which in turn brings about purported health benefits. Energy healing can be done at a distance, via remotely or in-person. Energy healing encompasses a variety of techniques believed to clear blockages in the energy field that contribute to imbalance in a person's life. Energy healing works on the principle that our physical body and life experiences are informed by the energies that exist in our energy field, and any imbalances or blocks in our energy field can contribute to emotional challenges, physical pain or illness, limiting life patterns, and other unwanted conditions in a person's life. There are many modalities, I do Reiki energy healing and Dowsing Energy Healing. Each is about becoming a clear channel to anchor universal life force energy. You don't use your own energy. It is about being able to be a clear channel and being able to hold space to anchor Universal Life force energy. Reiki & Dowsing both respect free will. So you call to you what you want for your highest good. One of the goals for energy sessions to improve the flow and balance of energy to promote relaxation and healing. #energyhealing #healing #energy #meditation #reiki #dowsingenergyhealing #love #spirituality#spiritualawakening #chakras #selflove #lightworker #spiritual #reikihealing #selfcare #yoga #mindfulness #chakrahealing #energyhealer #positivevibes #energywork #awakening #lawofattraction #wellness #energyiseverything #chakra #goodvibes #selfhealer #inspiringyou #selfheal #inspiring
In this episode of the Infinite Wealth podcast, hosts Cameron Christensen and Anthony Fasso dive into their favorite pages from Nelson Nash's book, Becoming Your Own Banker. They discuss the impact of these pages on their own understanding of Infinite Banking and share the valuable insights they gained from them. From understanding the difference between using a CD as collateral versus an IBC design policy to the history and pitfalls of Universal Life policies, Cameron and Anthony break down the key concepts presented by Nash. They also emphasize the importance of community, mentorship, and self-comparison in financial success. Join them as they provide a fresh perspective on Nelson Nash's book and the lessons it offers for building wealth and creating passive income. Resources: Schedule your 15-minute call with Anthony or Cameron here: http://bit.ly/iwc15podcast Check our online course at www.InfiniteWealthCourse.com Buy Becoming Your Own Banker by R. Nelson Nash http://bit.ly/BYOBbookIWC
Delta pilots now have a new contractual life insurance option, which can save them tax dollars now and opens a wide variety of investment options while offering benefits to pass along to families and beneficiaries. In a conversation with Jonathan Roman, MetLife's GVUL administrator, the Engage team, along with Retirement & Insurance Committee members Scott Bowles and John Doherty, sift through the details of the GVUL compared to our current term policy provided by Delta. Highlights include an updated death benefit provided to Delta pilots and paid for by the Company, significantly reduced imputed income for pilots of all ages, tax-free and tax-deferred investment options which pilots can withdraw for any reason at any time, and the ability to take the GVUL policy with you in retirement. Pilot action is required! The GVUL will be offered during Delta's open enrollment period, November 1-17, 2023. Pilots must first select the GVUL option during the open enrollment period and then enroll with MetLife through an emailed link. Pilots who wish to remain on the current term policy need not take any action. Active pilots may opt-in and enroll during subsequent year open enrollment periods. That is, if you miss the two-step process deadline this year or decide to wait, you can enroll next year and in the future during the open enrollment period. For more information, please go to https://www.metlife.com/gvul/DeltaAirLines/ Jonathan Roman will also present the GVUL benefits during WebEx sessions on the dates below. Click here to attend remotely. Date 10/26/2023 - 10:00 am ET 10/30/2023 - 7:00 pm ET 11/7/2023 - 9:00 am ET 11/16/2023 - 2:00 pm ET 12/5/2023 - 10:00 am ET 12/7/2023 - 2:00 pm ET
So happy that you're here today! In this episode of Mindset Mic, I will share: - the universal life ingredient that will help you in every aspect of life- how to implement it in your your life Reminder, during Oct 1-31, 2023 we have a special discount to celebrate my 30th bday and 11th anniversary in personal development. Use code BDAY30 to receive 30% off both of my personal development courses! >> www.theclaudiaramirez.com/courses
Ethos representative Brett stops by to give some big product news. Darren White stops by to announce his big accomplishment as well.
Index Universal Life is an amazing product that has helped people grow and keep their money. See how it works and what you need to sell it. Hosted by John, Albert & Joan.
Ever wondered why certain companies champion whole life insurance while others lean heavily towards universal life? Dive into this enlightening episode of the Insurance Pro Blog Podcast as we unravel the mysteries behind these two popular life insurance products. You'll discover the unique benefits and drawbacks of each, the historical context that shaped their evolution, and the strategic reasons companies might choose one over the other. By the end, you'll have a clearer understanding of which policy might be right for you and why companies are so passionate about their preferred choice. _______________________ As you'll often hear us say, we're agnostic to the solution: whole life insurance is great and so is indexed universal life insurance. We offer our clients either of the two and let them decide what they think is best for their situation. Sometimes one is the clear winner; other times there's a bit more nuance. Either way, we're here to help you make the best decision. Please reach out to us by using our contact form, just click right here.
What is the premise of the Morphic Resonance Theory? The lower laws of nature are more like habits. Meaning, each species has a type of collective memory, the collective unconscious so to speak, not just a memory of behavior like instinct, but also a form. For example, when a cabbage grows, it's tapping into a collective cabbage memory, a memory of form. This understanding in general isn't a new concept. However, what Dr. Sheldrake's theory also suggests is there's a resonance between similar self-organizing systems across space and time. Morphic resonance is a holistic theory. It works through morphic fields rather than in granulated atomistic bits—in other words, in-form-motion rather than simply information, which extends from a memory source that exists in a morphic field, a form of energy, outside the brain. “Memory is a phenomenon in time, not in space, and I think that the whole of the past is potentially present everywhere and that we access it through resonance on the basis of similarity.” According to French philosopher Henri Bergson, memories are not stored in brains and involve a direct transfer across time. Morphogenetic fields reverberate and exchange information within a universal life force. Do you ever feel someone staring at you only to turn around to find there is? How do your pets know you're on your way home? A mother's intuition is another example of the energetic exchange of information. What patterns and information are you sending?
We're answering these questions from you, the listener, in this episode: What are some pros and cons of Indexed Universal Life Insurance? How do I know if I've saved enough if I'm nearing retirement and don't want to change my lifestyle? What's your opinion on annuities and how do they fit into a retirement plan? Is it wise for me and my husband to build our dream home? And if you would like YOUR questions answered on the show, give us a call at 501.381.5228! Originally aired 7/5/2023
Welcome to the Real Estate Ballers Show.
In this 2-minute episode, Brian discusses gifting using an FIUL.
In this episode, you will see evidence and real policies demonstrating why universal, variable universal, and indexed universal life policies are not a good options for the long term. IBC uses whole life and only whole life for a reason. Audio Production by Podsworth Media - https://podsworth.com
In this episode, you will see evidence and real policies demonstrating why universal, variable universal, and indexed universal life policies are not a good options for the long term. IBC uses whole life and only whole life for a reason. Audio Production by Podsworth Media - https://podsworth.com
Michael Shepherd shares his experience of auditioning for and getting into Alvin Alley School on scholarship before his professional time as a dancer in Sun City South Africa and then Hello Hollywood Hello at the MGM in Reno Nevada. He reminds us that life is not a dress rehearsal. This is the show. NEW WEBSITE www.bluebellsforeverpodcast.com Check out the Patreon www.patreon.com/bluebellsforeverpod Follow us on Instagram and Facebook to see photos and updates www.instagram.com/bluebells_forever/ www.facebook.com/Bluebells-Forever-100660515010096
Are you looking for a long-term solution to secure your financial future? Permanent life insurance could be the answer.In this comprehensive guide, I am joined by Guillermo Haro to explain the basics of permanent life insurance and its benefits. We dive into the differences between term and permanent life insurance and explore the four main types of permanent life insurance: whole life, universal life, index universal life, and variable universal life.We discuss the pros and cons of each type and give you the information you need to make an informed decision. Additionally, we cover how to access your money early, which is a unique feature of permanent life insurance.If you want to start building your wealth and protecting your loved ones, listen to this full episode!
Rarely, if ever, do we get to hear from someone internal to a life insurance company. Clay shares some great insights on why a company may not like a 10/90 policy and how that can affect the company. He also talks about Universal Life policies and how they are different from whole life. Audio Production by Podsworth Media - https://podsworth.com
If you're like me, Universal Life is an enigma wrapped up in a conundrum. I spent a year or so before I was brave enough to write my first UL policy. I was intimidated by them. Term and Whole seemed fairly simple to understand, but UL? It scared me. Admittedly, Universal Life policies are more complicated and can be confusing to understand, let alone to explain to a client. Hopefully, this helps. I'm not suggesting you go out and start writing a bunch of UL policies this week, but at least it's good to understand how they work so you can speak to them if a client should ask. Hopefully, this podcast will give you a better understanding of one of the more confusing products we write. If you like this, you may enjoy my book. To protect your family, contact us. To change your life, join our team.
Rarely, if ever, do we get to hear from someone internal to a life insurance company. Clay shares some great insights on why a company may not like a 10/90 policy and how that can affect the company. He also talks about Universal Life policies and how they are different from whole life. Audio Production by Podsworth Media - https://podsworth.com
In this episode, I discussed the real reasons why universal life insurance policies cannot be used to practice infinite banking and why participating in whole life insurance must be used to become your banker. ~ Access our FREE Infinite Banking Beginner course here: https://livingwealth.com/beatinflation ~ Get resources and transcripts from this episode by visiting: https://livingwealth.com/e168 Topics discussed in this episode: The detailed flaws of the policies What is Nelson Nash's idea of becoming your own banker Why banking is inescapable and a fundamental fact of life The impact that last year had on IUL owners and how it came as a shock to a lot of them Why you can't practice IBC with Insurance Universal Life Episode Resources: Gain access to our Beginner's Course now FREE to listeners of the podcast here now https://livingwealth.com/beatinflation/ What is Infinite Banking? We make it simple in this article https://livingwealth.com/infinite-banking/. Who was Nelson Nash? Find out in this article https://livingwealth.com/who-is-nelson-nash/
When it comes to your money, you need to make sure you're making the right decisions and getting the right information. This week, the guys take a look at IBC practitioners behaving badly. From leading with an illustration to remixing Nelson's concept, Dave and Paul take you through an exhaustive list of red flags in this episode. With this list, you'll be able to sort through the pretenders next time you're shopping for IBC advice. Tune in to make sure that you're getting the best information possible - and that you're practicing IBC the right way. Episode Outline: (0:35) - Episode beginning (1:48) - Listener question, “Why isn't everyone doing this?” (2:55) - The reason you don't hear about IBC a lot, it's “caught not taught” (7:27) - IBC “red flags” (8:49) - First red flag: Leading with an illustration (10:51) - Second red flag: “You can become rich buying cars” (12:03) - Third red flag: If they tell you that IBC is being done wrong, or is “archaic” (16:14) - Fourth red flag: “You have to use one of the big 4” (18:30) - Fifth red flag: “Guaranteed 4% interest” (22:17) - Sixth red flag: “The only way to design a policy for infinite banking is 10% to the base or less and 90% to the PUA” (24:43) - Things to ask an advisor (27:41) - Ask your advisor how many dividend-paying whole life insurance policies they own themselves, practicing what you preach (29:20) - It's important to have a personal touch with IBC MENTIONED IN THE EPISODE: To learn more about 10/90 designs and why it's not a good fit for IBC: https://www.youtube.com/watch?v=ZIgHjE4qcGk (https://www.youtube.com/watch?v=ZIgHjE4qcGk) IUL or Universal Life episode: https://www.youtube.com/watch?v=D7GHRfLcVYQ&t=2s (https://www.youtube.com/watch?v=D7GHRfLcVYQ&t=2s) ABOUT 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. Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 (https://infinitebanking.org/agents/Fugere494) https://infinitebanking.org/agents/Befort399 (https://infinitebanking.org/agents/Befort399) LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ (https://www.linkedin.com/in/david-a-befort-jr-09663972/) https://www.linkedin.com/in/david-a-befort-jr-09663972/ ( ) https://www.linkedin.com/in/david-a-befort-jr-09663972/ (https://www.linkedin.com/in/paul-fugere-762021b0/) Email: davidandpaul@theibcguys.com
Senior Market Health Agent Natalie Cooper Sells with Levinson Life & Annuity Products By Leveraging Ringy CRM And Our Lead Platforms etc. Host: Bill Levinson from Levinson & Associates - Levinson & Associates, Inc. is a National Insurance Marketing Company domiciled in Florida since 1972. As such, we specialize in the servicing of our field force, and the distribution of the most competitive products for Term Life, Universal Life, Whole Life, simplified issue, Annuities, and Survivorship products. We are a full-service marketing company equipped to help during the entire underwriting process. From our most inexpensive term, jumbo permanent products, or annuities; our administrative staff, with over 100 years of combined insurance experience, stands ready and very able to help with all your insurance needs. In 1998, Bill Levinson brought his marketing and management expertise to the life insurance industry. He is today a very successful Managing Partner for Levinson & Associates. Bill continues to service over 22,000 new and existing agents, each representing our entire portfolio of 90 life carriers and over 30 annuity companies nationwide. He brings a youthful exuberance and enthusiasm, and servicing our agents remains his number one priority. Levinson is a world-renown innovator in our industry, creating the 1st ever client-driven online term platform, life agent-focused CRM tool, and the cutting-edge Agency Automator prospecting system, amongst other unique technological advances and innovations. He currently participates in various company advisory boards and is a current member of NAILBA's ASNG group. We, at Levinson & Associates, want to sincerely thank our Agents for allowing us the opportunity to quote and service all of your Life/Annuity & Insurance needs! Guest Speaker: Natalie Cooper (Levinson Agent) - I come from a long line of insurance agents including my father, his brother, and many of their 1st cousins. I grew up learning from Clement Stone, the founder of Combined Insurance Company of America who my dad and the rest of our insurance family worked for. W. Clement Stone is now a highly recognized motivational inspiration for many in the insurance industry. I recall being gathered around the dinner table and the whole family reciting his famous words—“I feel happy! I feel healthy! I feel terrific!” and always having “PMA”—Positive Mental Attitude. Actually, it was, and still is my father who is my role model. After recently celebrating his 80th birthday and reflecting on all I have learned from him, I can honestly say that it was my parents who gave me my core sense of integrity and ethics that still guide me through life and my career. I grew up in Columbus Ohio and graduated with a BS in accounting with a double major in finance from Franklin University in 1990. A few years later in 1995, after moving to South Florida, I became a licensed insurance agent. The original intent was to work with my father in the tax-deferred annuity and life insurance business and move back to Ohio. Shortly after I became licensed, I realized my home at that time, would remain in south Florida. I began my career working with retiree groups including the City of New York, their unions, and other large employers like Sears and AT&T who offered retiree benefits. This was when I was first introduced to the senior market. I found real satisfaction in dealing with seniors and knowing that I may have been one of the few agents they worked with that put their best interest first. The laws pertaining to marketing to seniors were nearly non-existent and at that time and so many of my clients had been lied to, sold something they didn't need, or strong-armed into a policy they could not afford. The feeling of truly helping a person get what they needed, putting some money back into their pocket, and working with someone they felt they could trust was a great feeling. After spending about 7 years working exclusively with seniors and specializing in Long Term Care, Annuities, Medicare, and Final Expense, I branched out to two other areas to accommodate my client's children that were asking me to help. Their kids were a natural progression and I began my entree into Term Life and Disability insurance. The insurance business has been such a rewarding experience for me. I know that I have truly changed people's lives. This is where I'll be for the remainder of my working years and I'll hopefully pass the baton to another person who can enjoy what they do as much as I have.
Join David Befort and Paul Fugere on Episode 29 of the Wealth Warehouse! In this week's episode, the guys respond to a listener's question about universal life insurance vs. whole life insurance for IBC. Does IBC need to use whole life insurance? Is it the best fit for IBC? Paul and Dave cover the pros and cons of universal vs. whole life, how it matches up with your goals and most importantly, how appropriate each is for the Infinite Banking Concept. Episode Outline: (2:05) - Open of the show, starting with a listener question (5:25) - “It comes down to the way you think” (10:08) - “It's not about the return ON your money, it's about the return OF your money” (12:46) - The “chassis” of universal life, the risks involved and what takes people by surprise (19:15) - “Why would I get universal life as opposed to simply investing in an index fund?” (23:02) - Why you shouldn't combine investing and insurance (25:50) - IBC isn't about the return on your money, it's about guarantees (32:12) - IBC isn't a “this or that” strategy, getting past the investment paradigm ABOUT 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. 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
In today's Banking With Life Q&A, James answers some questions on what's the best kind of policy for IBC®, does it make sense to leverage a HELOC to finance a life insurance policy, agents to work with and where to find them, using IBC® for business expenses, and more! As always, we hope you enjoy and thank you for listening!Today's Questions: 0:22 - The best kind of policy for IBC®? 2:16 - Leveraging a HELOC to buy a policy? 7:42 - Incontestability Clause in a Life Insurance Policy? 10:52 - Who to work with? 14:10 - Videos available for purchase? 15:34 - Using IBC® to fund a business? 19:11 - Universal Life and IBC®?The Q&A series is designed to help you become more knowledgeable in the Infinite Banking Concept®.Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client! ➫ www.bankingwithlife.com/how-t...Buy Nelson Nash's 6.5 hour Seminar on DVD here: ➫ www.bankingwithlife.com/produ... (Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking... ➫ bankingwithlife.com/getting-s...━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here: ➫ www.bankingwithlife.com/exclu...━━━Learn more about James Neathery here: ➫ bankingwithlife.com━━━Follow us on Facebook: ➳ www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.
On this episode of The Alliance U PRODcast, Gina Hawks dishes everything you want to know about Universal Life policies and how they work. Want to know how UL products differ from Index Universal Life products? Gina has you covered on all fronts! www.AndyAlbright.com @AndySAlbright https://arc.naaleads.com/ @NAALeadsTheWay @NationalAgentsAlliance #N247RU #DoTheDo #TheAlliance
Too many thoughts while meditating? Yep. Me, too. Here's the best life-hack to getting back in the meditation zone! My dear friend, Pierre Bensusan, has permitted me to use his track called ‘Sentimentales Pyromaniaques' from the album 'Altiplanos'. “Deep Into Nature” composed by Music Of Wisdom - Licensed from Meditation Music Library
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Saving for your child's college can seem like a daunting task. How much do you need to save? Which type of accounts should you use? Listen in to this week's episode of Neighborhood Money where Cavan and Drew breakdown 6 different accounts you could use to help you pay those high education costs. Also - there may need to be a clean up on aisle baby. Welcome back neighbors!