Podcasts about Universal Life

CFP Daniel Flanscha is a financial expert of 40 years who's taking on the claims of The Money Guy Show against infinite banking and whole life insurance. Watch the Interview on Youtube for Visuals - https://youtu.be/5iJ-iQhpcXgWatch The 10 Part Course Here: https://bttr.ly/academic-case Want to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityLearn More About BetterWealth: https://betterwealth.com In this response video to the Money Guy Show, Daniel Flanscha and Caleb Guilliams walk through 9 points from the Money Guy Show on infinite banking, carefully dismantling what they get wrong or misunderstand about whole life insurance. Chapters: 03:37 - Reaction To the Money Guy Show 07:19 - Point 1: Investment vs. Insurance Silos 09:13 - Point 2: Fees and Commissions 11:22 - Point 3: Misunderstanding Whole Life vs. Universal Life 14:30 - Point 4: Buy Term and Invest The Difference 18:13 - Point 5: The Cost Difference: Term vs. Whole Life 22:34 - Point 6: Permanent Life Insurance and Insurance Products Can Improve Income 27:28 - Point 7: Infinite Banking Makes It Worse 32:06 - Point 8: Deep Dive Into ROR Assumptions 35:17 - Point 9: Code of Competency 36:57 - Recommended Resources and Closing DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

What did Nelson Nash actually teach? In this conversation, Jim Oliver sits down with David Stearns, Director of the Nelson Nash Institute and Nelson Nash's son-in-law, to discuss the ideas that often get overlooked when people talk about Infinite Banking. They unpack why Infinite Banking is not about chasing policy performance, comparing illustrations, or finding a shortcut to wealth. Instead, it's about understanding the problem Nelson spent decades studying: the loss of control over your cash flow. Jim and David revisit key lessons from Becoming Your Own Banker, explain why Nelson rejected Universal Life insurance, and share why behavior - not policy design - is what ultimately determines success with Infinite Banking. Key Takeaways Infinite Banking is about controlling the banking function, not buying life insurance Nelson Nash viewed whole life insurance as a tool, not the end goal Comparing policies without understanding the process misses the point Wealth is built by controlling cash flow and recapturing lost interest Reading and understanding Becoming Your Own Banker remains the foundation of IBC Chapters 00:00 Meet David Stearns and the Mission of the Nelson Nash Institute 03:23 Why Nelson Nash Rejected Universal Life Insurance 08:26 The Biggest Misunderstanding About Infinite Banking 12:28 Understanding the Real Problem Nelson Solved 18:02 Why Most People Misread Becoming Your Own Banker 23:44 Nelson Nash's Vision for Financial Freedom 31:59 The Difference Between Selling Insurance and Teaching IBC 44:52 The Windfall Story and Building Long-Term Wealth 53:02 Why Reading the Book Still Matters ______________________________ If you're ready to breakaway and start making real wealth, then join our free community.  Get access to new daily content, on-demand courses on how money works and Infinite Banking, a Q&A video library, reading library, worksheets, calculators, and more.  

The history of money explains why the financial system works the way it does today. In this episode, Jim and Nick walk through the major shifts that changed the American financial landscape, from the gold standard to fiat currency, the rise of Wall Street retirement plans, and the creation of the MEC line. They unpack how control of capital slowly moved away from individuals and toward governments, banks, and financial institutions. Along the way, they explain why wealthy families continued using whole life insurance while the public was encouraged to move money into qualified plans and market-based products. The conversation also covers universal life insurance, policy efficiency, and why long-term stability matters more than flashy illustrations. Understanding these historical shifts helps explain why Infinite Banking remains relevant for people seeking greater control, liquidity, and long-term certainty. Key Takeaways: - The gold standard placed limits on monetary expansion - Fiat currency accelerated inflation and currency debasement - ERISA and 401(k)s redirected capital toward Wall Street - Whole life insurance remained a core asset for wealthy families - Long-term policy strength matters more than short-term efficiency Chapters 00:00 Lessons From History 02:54 The Gold Standard Explained 05:15 Nixon Ends the Gold Standard 06:39 Fiat Currency and Inflation 07:43 ERISA, 401(k)s, and Wall Street 10:00 The Shift Away From Whole Life Insurance 12:22 Universal Life and Policy Design Risks 14:49 MEC Lines and the 7-Pay Test 19:38 Why Fragile Policies Break Down 21:09 Why Wealthy Families Kept Using Whole Life Insurance ______________________________ If you're ready to breakaway and start making real wealth, then join our free community.  Get access to new daily content, on-demand courses on how money works and Infinite Banking, a Q&A video library, reading library, worksheets, calculators, and more.  

In this episode, Jim and Nick walk through the real mechanics behind Infinite Banking and answer the questions that usually trip people up. You'll quickly learn that it's not about finding the "best policy". Really, it''s about building a system you actually use. They break down why whole life is the preferred platform, why most alternatives fail over time, and how control, guarantees, and behavior determine outcomes. You don't build wealth by owning a policy. A policy won't do it. You build wealth by moving money through a system you control. Key Takeaways: - Infinite Banking is a process, not a product - Whole life is the platform, but behavior drives the outcome - "Buy term and invest the difference" ignores control and real-world use - Policy loans let your money keep compounding while in motion - Wealth is built through control and velocity of capital, not accumulation Chapters 00:00 How It All Comes Together 02:59 Process vs Product 06:02 Why "Buy Term Invest the Difference" Fails 10:53 The Multiple Layers of Return 17:17 Borrowing vs Losing Control 20:27 What Happens in a Crash 25:06 Where Your Money Actually Sits 28:33 Whole Life vs Universal Life 34:45 Are You Too Late to Start? ______________________________ If you're ready to breakaway and start making real wealth, then join our free community.  Get access to new daily content, on-demand courses on how money works and Infinite Banking, a Q&A video library, reading library, worksheets, calculators, and more.  

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:

✈️ Retire Pilots the Right Way!

We got a great question from a listener. They wrote in: "What's better- term life insurance, universal life, or whole life?" Straightforward question. Not a straightforward answer, especially if you're in your 50s. Today we're going to walk through all three...     Important Links: Website: https://www.cpweldegroup.com/ Call: 610-388-7705   Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group and PCA are separate, non-affiliated entities. PCA does not provide tax or legal advice. Insurance and tax services offered through CP Welde Group are not affiliated with PCA. Information received from this podcast should not be viewed as individual investment advice. Product discussions and illustrations are hypothetical in nature and will vary based on many factors including, but not limited to, age, health, product, insurance carrier and product design. You should consult the insurance carrier website and policy for detailed information. Content may have been created by a Third Party and was not written or created by a PCA affiliated advisor and does not represent the views and opinions of PCA or its subsidiaries.  For information pertaining to the registration status of PCA, please contact the firm or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov). For additional information about PCA, including fees and services, send for our disclosure statement as set forth on Form ADV from PCA using the contact information herein. Please read the disclosure statement carefully before you invest or send money.

Ferenc Dispels Several Myths and Misconceptions with Index Annuities and Index Universal Life Policies including:   1. If you want guarantees, you don't have to sacrifice strong returns. If you own an index product with poor returns, you are invested in the wrong indexes. 2. Unlimited upside with no downside risk is "too good to be true". Ferenc explains insurance companies invest the interest, not the principle. This provides indexes with 10-12% 10-year average annual returns while guaranteeing the principle.  3. Limited access to funds. Index Universal Life provides significant access to funds, tax-free growth, and access. Traditional qualified accounts (IRA/401k's) withdrawals are taxed. Large withdrawals typically create large tax liabilities. Index annuities early surrender penalties are typically far less than the tax liability. Index annuities are an excellent fit for traditional qualified accounts. 4. Market Value Adjustments are reducing early surrender charges significantly. Most of my clients surrender charges recently have been eliminated in a year or two. This provides full liquidity quickly.

Imagine a process that can bypass our dominant, loves-to-be-in-control brain and open a subtle energetic pathway to help us sense and feel the many dimensions of the Universalis human. A deeper contemplative process of feelings and intuition, not fixed mental boundaries.In the newest Universalis Project conversation, Aviv Shahar, Karen Heney and Kyriaki Nikandrou explore the potential of a guided meditative process in expanding access to our universal nature. They demonstrate several pathways in an abiding circle meditation, a process that focuses the creative energy generated in the shared ecology of a group contemplation.The circle meditation is a healing journey of inner discovery that invites us to metabolize and release pain and trauma. It builds inner conductivity and activates latent capacities and sense organs that enable deeper registrations of our universalis possibility. Other insights from Aviv, Karen and Kyriaki include:By abiding with inquiries in collective circle meditations, we unlock different processes, shifting from mental references to a whole person melting, merging, and harmonizing of different feelings and inner states.We are not one thing; we are multiple lives within; a soul, spirit and many other capacities. A struggle emerges as this orchestra faces the demands of an exterior world while forever harmonizing the interior life.Meditative abiding engenders greater awareness of the subtle bodies of somatic and mental processes. Each organ has its energetic body; together they constitute a configuration of presences.We shrink and separate ourselves by all sorts of modern conventions, but spiritual traditions and texts invite us to realize we are the crown jewel of the universal process here on this planet.The nature of universal love is that we are never alone, even when we feel lonely. The spiritual source of this love is forever around us with healing and possibility. This conversation is part of the continuing Portals discovery into what is emerging on the frontiers of human experience in this time of profound change. Information about upcoming special events can be found on the Events page. Also visit and subscribe to our YouTube channel. TWEETABLE QUOTES “The Universalis human will also not arise through some techno-utopian version of ourselves. We are not likely to find the Universalis human arising in silicon, or in sophisticated computer chips. My conviction, my belief, is that the birthing of a new human possibility, the suggestion is that the Universalis permission, the Universalis possibility, the Universalis activation, occurs inside us and in between us.” (Aviv)“Wherever you will find a group of people who are interested in how we humans are evolving, both to solve the existential problems that the meta-crisis brought to us, and even more so to do so by unlocking our latent potential, the way we go about cultivating our interior inquiries and contemplations, individually and collectively, we are leaning into these possibilities, which is, how can we be part - a co-creative, co-participative part - of the rise of a universal human?” (Aviv) RESOURCES MENTIONED Portals of Perception WebsiteAviv's LinkedIn Aviv's TwitterAviv's WebsiteThe Universalis Project #15: Pathways to Universal Life

This is one of my unscripted Q&A episodes, where I answer questions submitted by listeners. If you have a question, go ahead and send it to me at zenstudiespodcast.com. I discuss: What does Kosho Uchiyama mean in his book Opening the Hand of Thought, when he talks about "settling as universal life?" Isn't the Zen emphasis on monastic practice and self-liberation at odds with the Bodhisattva Vow to free all beings? What can we learn from practicing with other Buddhist traditions than our own, and is this recommended if we don't live near a Zen center?

Visit our website:https://www.thewealthwarehousepodcast.com/This week on Wealth Warehouse, Dave and Paul break down the high-profile lawsuit NASCAR star Kyle Busch filed against Pacific Life after allegedly losing $8.5M in an indexed universal life (IUL) policy. They unpack why they're not surprised, how IULs actually work under the hood and why those glossy “tax-free retirement” illustrations can fall apart in the real world. If you've ever wondered whether IUL belongs in an Infinite Banking strategy, or as “permanent” life insurance at all, this one's for you.Becoming Your Own Banker by Nelson Nash:https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Episode Highlights:0:00 - Intro1:10 - Episode beginning4:18 - Kyle Busch's lawsuit12:25 - Nelson Nash's thoughts on Universal Life15:17 - Universal Life and why it doesn't work18:56 - Life insurance retirement plans (LIRPs)23:09 - Home ownership and the next generation25:09 - Bottom line on IULs33:31 - 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 M.A. 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/Fugere494https://infinitebanking.org/agents/Befort399LinkedIn:https://www.linkedin.com/in/david-a-befort-jr-09663972/https://www.linkedin.com/in/paul-fugere-762021b0/Email:davidandpaul@theibcguys.com

This is the "Golden Era" of fixed assets. This is the best time in 40+ years to establish an index product! This is due to many factors, including higher bond yields (interest rates). Index annuities and Index Universal Life (IUL) allows you to:  Grow your money safely, without market risk. Principle is guaranteed. Once gains are locked in, they are guaranteed against market loss. Double-digit potential annual returns on good market years with no losses on bad market years. Ability to lock-in gains at any time. Strong fixed interest option. If interest rates remain high and/or increase, you have good options.   How to ensure you have the highest potential upside gains: We are independent and have access to 50+ annuity companies, including all the top carriers. There are 600+ index options.  We have proprietary software that provides the one-, 5-, and 10-year historical returns of the index options. There is a wide variation in index returns (0 - 17% average 10-year annual returns). Without this information, an agent or advisor is "flying blind."

In this second installment, James shares a collection of clips discussing Universal Life insurance within the Infinite Banking Concept®. He highlights why Nelson Nash emphasized dividend-paying whole life, and how the structure and guarantees differ over time. As always, we hope you enjoy the episode and thank you for listening!Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client! ➫ www.bankingwithlife.com/how-to-fast-t…ur-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here: ➫ www.bankingwithlife.com/product/the-5…ecorded-live/ (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... ➫ www.bankingwithlife.com/getting-started-webinar━━━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/product/becom…pecial-offer/━━━Learn more about James Neathery here: ➫ bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts: ➫ podcasts.apple.com/us/podcast/bank…st/id1451730017Listen on your Android through Stitcher: ➫ www.stitcher.com/podcast/bank...Listen on Soundcloud: ➫ @banking-with-life-podcast━━━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.

In this episode, we ask: Would you like a practical guide to building a resilient business? Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business? What was so scary about Frankenstein's monster? What is Variable Universal Life (VUL)? What is the nightmare twist?...

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

In this special episode of Cashflow Legendz, Nate and Brandon share a full-circle moment in their Infinite Banking journey. What began years ago with reading Nelson Nash's work and striving to understand what it truly means to “be your own banker” has now led to an invitation as guests on the official podcast of the Nelson Nash Institute. You'll hear their heartfelt conversation, filled with personal stories, key lessons, and the principles that have shaped not only how they teach and serve clients, but also how they live their own lives. This is more than just an interview—it's a reflection on the life-changing impact of Infinite Banking when you fully grasp and apply its truths. Grab your coffee, tune in, and join Nate and Brandon as they share why Nelson Nash's wisdom continues to inspire their mission and message today.  

Your home should be a blessing, not a burden—but unfortunately, some people learn that the hard way. Get the answers you need with Real Estate The Ramsey Way, and learn what to avoid and how to do real estate the right way.   Next steps:

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

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 

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?

Welcome to the Real Estate Ballers Show.

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 

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/