The Insurance Pro Blog Podcast
By The Insurance Pro Blog
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Want to discover step-by-step how true professionals help their clients win big using life insurance to build cash, get great returns without taking risk, and develop a tax free income? What can be improved in your financial strategy by using life insurance as a tool? Listen for the whole story!
||CleanThe Key to Selling More Whole Life Insurance||What would it mean to your business if you could find a better way of selling more whole life insurance? Over the past 7 years, we've figured out how||10/18/2018||Free||View in iTunes|
||CleanWhole Life Insurance Pros and Cons||First, I feel the need to provide context for this post. 99% of our clients want to use cash value life insurance as an asset class. Which means people need to distinguish whole life insurance from indexed universal life insurance. Yes,||10/4/2018||Free||View in iTunes|
||CleanWhole Life Insurance Dividend Rates Exposed||Every year, usually sometime in November, life insurance companies that sell participating whole life insurance report their plans to pay dividends to policyholders. When the insurance companies talk about it,||9/27/2018||Free||View in iTunes|
||CleanTEFRA DEFRA TAMRA: How Taxes Effect Life Insurance||Life insurance enjoys some unique tax benefits, but it also faces limits imposed by legislation we know as TEFRA DEFRA and TAMRA. These pieces of legislation established specific guidelines as to what you can and cannot do with life insurance.||9/20/2018||Free||View in iTunes|
||CleanIs 10 Pay Whole Life Insurance Any Good?||Using whole life insurance as a place to store cash and to accumulate wealth works well for people who have a decent amount of discretionary income and realistic expectations. Most life insurance companies teach their agents that using a 10 pay whole l.||9/13/2018||Free||View in iTunes|
||Clean3 Legitimate Reasons NOT to Buy Whole Life Insurance||In our last post and podcast episode, we compiled the 5 Reasons Whole Life Insurance is a Bad Idea…According to the Internet. To show you that we are fair and balanced when it comes to the pros and cons, we thought it appropriate to discuss some of t||9/6/2018||Free||View in iTunes|
||Clean5 Reasons Why Whole Life Insurance Is Bad According to the Internet||If you’ve been around the life insurance industry for more than five minutes, it’s pretty likely that you’ve encountered all sorts of reasons as to why whole life insurance is bad. In fact, it’s probably the most maligned of any financial produc||8/30/2018||Free||View in iTunes|
||CleanIPB 119: Musings from Father 401k||It's not much of a stretch to suggest that the 401k has become the default option for most people to fund their future retirement. For most folks, that's pretty much the only option offered by their employer–or some iteration of it i.e. 403b, 457,||8/16/2018||Free||View in iTunes|
||CleanBest Whole Life Insurance Products for Cash Value 2018||We originally released our opinion on the best whole life products for cash value accumulation in 2013. We re-visited the subject in 2014, and then never again discussed the topic. In truth, the topic became a bit boring to me.||8/9/2018||Free||View in iTunes|
||CleanIPB 117: Why Are Life Insurance Companies Afraid to Communicate?||Why is that life insurance companies seem so reluctant to answer important questions? If you've been in the life insurance biz long enough this is probably one of your many laments. It certainly is for us. Episode 117 is largely based on a blog post th.||8/2/2018||Free||View in iTunes|
||CleanIPB 116: Life Insurance Policy Loan Pitfalls||Before anyone reads the title for this post/podcast and thinks we've suddenly reversed course on our fondness for cash value life insurance, think again. We've not changed our minds, we're just pointing out a few things that you might like to know in a.||7/26/2018||Free||View in iTunes|
||CleanIPB 115: Annuities Today, Life Insurance Tomorrow||Recently, the Securities and Exchange Commission has started taking comments from the public in an effort to build their own version of the failed DOL fiduciary rule. Take a few minutes and look at the comments that have been made public by the SEC (it||7/12/2018||Free||View in iTunes|
||CleanThe DOL Rule is Dead||The DOL Fiduciary Rule is dead. It went out with an unceremonious whimper last week. Financial media sources covered the news almost no one cares about through short articles noting the progress that led to the death of the Rule sprinkling in a comm||6/28/2018||Free||View in iTunes|
||CleanIPB 113: The Stumbling Blunders of Accordia Life Insurance Company aka Global Atlantic||Today’s topic is not so much about the mechanics of everyday life insurance but diverges into the seedy underbelly of the industry and the problems that certain transactions have caused. Well, one particular transaction is in the news as we speak and||6/21/2018||Free||View in iTunes|
||CleanHow to Plan Retirement Income||It occurred to me recently that 2018 marks a milestone anniversary for me. I've now worked professionally in the financial services/insurance industry for 10 years. That's 10 years of being paid to assist people to navigate various financial mazes.||6/14/2018||Free||View in iTunes|
||CleanIndexed Universal Life Insurance Pros and Cons||There are so many questions floating around the internet that center around indexed universal life insurance pros and cons. Indexed universal life insurance is the hottest thing going in the life insurance industry at the moment, tough to deny that.||6/7/2018||Free||View in iTunes|
||CleanWill Your Indexed Universal Life Insurance Policy Produce an 8% Average Return?||Last week we discussed the probability of achieving various returns on a passive investment in the S&P 500. This week I want to take a similar analysis and direct it to indexed universal life insurance. Pursuing this information comes from two prima||5/24/2018||Free||View in iTunes|
||CleanWhat are your Odds of an 8% Average Return on Investment in the Stock Market?||When you start your career in the financial services industry you pretty quickly figure out that you must bow at the altar of the average return on investment in the stock market. Well, that and a couple of other things like… Compliance runs the show||5/17/2018||Free||View in iTunes|
||CleanIPB 108: Should it be Fee Only vs Commission Financial Advisor?||Today is less about the mechanics of life insurance in the aspect of how it applies to you, but more in how it applies to us. We wanted to dive into the fee only vs. commission financial advisor model, essentially to ask the question: is there a better.||5/10/2018||Free||View in iTunes|
||CleanIPB 107: When Interest Rates Go Up, Bonds Go Down. What Does It Mean for my Life Insurance?||Everybody wants to know what is going to happen with the insurance industry if interest rates go up, go down, stay the same, etc. So, we figured today was as good a day as any to address some speculation but also to discuss what the industry does to pl||5/3/2018||Free||View in iTunes|
||CleanIPB 106: Diversifiable Risk vs Market Risk: The Discussion You’re Not Having||Today we’re talking about what happens when it all falls apart. DISCLAIMER: We’re not offering any sort of individualized investment advice. This is for entertainment purposes. We just sell life insurance. For most financial advisors,||4/19/2018||Free||View in iTunes|
||CleanIPB 105: Is Indexed Universal Life Insurance Worth it even if the Interest Rate Assumptions are Wrong?||We’re going back to a topic that circles the indexed universal life Insurance wagon. This subject comes up from time to time, and the core question is: is indexed life insurance worth it? And, why do we assume the indexed credit interest rate that we||4/12/2018||Free||View in iTunes|
||CleanIPB 104: You Can Just Buy Bonds: One of the Reasons Not to Buy Whole Life Insurance||Today, we’re talking about the “scam” that has been perpetuated by life insurance companies for over a hundred years. I know, I can hear you saying to yourself, “which scam is that, there are so many to choose from”? Am I right?||4/5/2018||Free||View in iTunes|
||CleanIPB 103: Why Does the Life Insurance Industry Suck at Marketing?||Why don't life insurance companies do a better job of marketing the many benefits of using their cash value life insurance policies? They talk a lot about death benefit, not so much about anything else. Example of the industry frames one of the “ben||3/29/2018||Free||View in iTunes|
||CleanIPB 102: Is Index Universal Life Insurance Market Neutral?||We like life insurance because it marches to its own beat. In other words, when CNBC is reporting panic over Facebook, life insurance carries on almost as if its never even heard of Mark Zuckerberg. A majority of our clients adopt a similar view on||3/22/2018||Free||View in iTunes|
||CleanIPB 101: The 2018 Whole Life Dividend Analysis||Since 2013, we have published the only public analysis of variation in dividends for major participating whole life insurance products. This analysis is a better gauge of product dividend performance than traditional reporting that focuses on the abso||3/16/2018||Free||View in iTunes|
||CleanIPB 100: The 2018 Ultimate Guide to Paid Up Additions||We love paid-up additions and if you've listened to us at all, you're not all that surprised. But we’ve made a little misstep in terms of being so broad in our discussion about them. And we're always adding new people to our audience.||3/8/2018||Free||View in iTunes|
||CleanLife Insurance Guarantees: A Big Misinterpretation||Few aspects of life insurance are more misunderstood than the guarantees of a permanent life insurance contract (particularly whole life insurance). You wouldn't believe many of the claims we've heard concerning life insurance guarantees,||3/1/2018||Free||View in iTunes|
||CleanIPB 098: Why You Should Probably Avoid Life Insurance Premium Financing||We realize that premium finance is really big subject and there's much to say about this. In today's podcast we're discussing some the “less than savory” pitches circulating out there. Much more to write on this subject…this post will be updated i||2/8/2018||Free||View in iTunes|
||CleanHow Does Life Insurance Create Retirement Income?||We all understand that life insurance provides a death benefit, but its ability to offer additional financial resources are spectacular and often understated. If you've researched the topic of life insurance at all,||2/1/2018||Free||View in iTunes|
||CleanAre Whole Life Insurance Policies Worth It?||Our focus within the life insurance industry is helping our clients maximize the potential for cash surrender value accumulation of whole life insurance and indexed universal life insurance policies. In fact,||1/25/2018||Free||View in iTunes|
||CleanIPB 095: When a Lower Rate of Return Gives You More Money||“Whole life insurance/universal life insurance is a terrible investment because the rate of return is horrible.” We've heard that before. You don't have to wander the interwebs far to find someone peddling this bologna. If you don't believe me||1/18/2018||Free||View in iTunes|
||CleanIPB 094: The Ticking 401k TimeBomb||The Center for Retirement Research at Boston College has released their latest report which compiles information from the Federal Reserve's: Survey of Consumer Finances (SCF) which provides a glimpse into 401k balances etc. However,||1/4/2018||Free||View in iTunes|
||CleanIPB 093: Indexed Universal Life In-Force Review||Well, it's the end of the year once again. As we typically do at this point, we're conducting policy reviews for our clients, evaluating how we've all faired in 2017 and making plans for the new year. In the past,||12/21/2017||Free||View in iTunes|
||CleanIPB 092: Is Cash Value Life Insurance No Longer a Good Idea?||The trend for dividend interest rates for participating whole life insurance and the cap rates for indexed universal life insurance have been a long trend downward. No denying that. But does that change our perspective on cash value life insurance?||12/14/2017||Free||View in iTunes|
||CleanIPB 91: 2017 Dividend Season||It's that time of year again…time for companies that offer participating whole life insurance policies to make their dividend announcements for the coming year. (And yes, we realize these are technically the 2018 dividend announcements but since they'||12/7/2017||Free||View in iTunes|
||CleanIPB 090: Is Cash Value Life Insurance Expensive?||Over the past few weeks, we've had a half-dozen or so conversations with folks who would like to understand the expense of owning cash value life insurance. Yes, for the sake of our discussion we are lumping together whole life and universal life insur.||11/16/2017||Free||View in iTunes|
||CleanIPB 089: The Misery of Retirement||The 2017 Boomer Expectations for Retirement survey from the Insured Retirement Institute reveals that things are not really improving for Boomers as they move into and toward retirement. There are more than a few disturbing statistics to share.||11/9/2017||Free||View in iTunes|
||CleanIPB 088: Do Increased Expense Charges Really Cause Problems for Universal Life Insurance?||It seems there's no end to the bad news in our industry as it relates to increased COI/expense charges for universal life insurance policies that were sold by SOME companies. Lawsuits are popping up and embarrassing company practices are being revealed.||11/2/2017||Free||View in iTunes|
||CleanIPB 087: Listen Carefully, We Have Something Important to Tell You About Life Insurance||Often times, understanding the power of cash value life insurance requires a paradigm shift. It's not all that complicated really, just not entirely comparable to anything else. A vast majority of folks that we talk with have some sort of vernacular||10/26/2017||Free||View in iTunes|
||CleanIPB 086: You’re Focusing on the Wrong Thing||Following up our episode from last week where we discussed how an indexed universal life (IUL) policy would have fared over the last 10 years, we thought it would be interesting to dig into THE most powerful aspect of IUL in our opinion–years when||10/19/2017||Free||View in iTunes|
||CleanIPB 085: Double Your Money in 10 Short Years||If you'd invested at the very top of the last market cycle–October 9, 2007, you'd now have slightly more than doubled that investment (according to the Wall Street Journal) despite the vomit-inducing period of the next few years where you watched your||10/12/2017||Free||View in iTunes|
||CleanIPB 084: Yes, You Need a Forced Savings Plan||It's not uncommon for people to refer to whole life insurance as a “forced savings plan” or at least it was common back when we started out in the industry. Sounds like a bad thing but is it really? Sounds like a bad thing but is it really?||10/5/2017||Free||View in iTunes|
||CleanIPB 083: Are Whole Life and Universal Life Insurance Interchangeable?||I know that all of our listeners are teeming with excitement as they see us release a new episode. We figured that if we gave it the ole college try, we could produce two episodes of the podcast for the month of September.||9/28/2017||Free||View in iTunes|
||CleanIPB 082: What Does the Equifax Breach Mean for Life Insurance?||Last week, Equifax, the largest credit reporting company, reported a major breach of its core database. It is by far the largest hack of its kind to date and is estimated to have impacted more than half of the U.S.||9/14/2017||Free||View in iTunes|
||CleanIPB 081: The Death of the Life Insurance Medical Exam||In episode 81, we're talking about the newest trend emerging in the world of life insurance underwriting and that is… The end of paramedical exams and lab tests. Now, the exams aren't going away completely. However,||8/31/2017||Free||View in iTunes|
||CleanIPB 080: Black Box Baloney||Whole life insurance is often maligned by the rest of the financial services world (those who sell registered investment products) as lacking transparency. It’s referred to as a “black box” for its lack of disclosure.||8/23/2017||Free||View in iTunes|
||CleanFive-Year Whole Life Insurance Company Investment Yield Trend: 2016 Edition||For five years, we have tracked the investment yield trend of whole life insurance companies and we continue to analyze this data every year because investment income is a primary driver of dividends paid to participating insurance policy holders.||8/17/2017||Free||View in iTunes|
||CleanIPB 078: The Bondex v220.127.116.11||To continue on with the discussion of potentially rising interest rates… We actually get into what it might mean for life insurance companies and for your life insurance policy–whether it happens to be participating whole life or universal life.||8/10/2017||Free||View in iTunes|
||CleanIPB 077: The Perilous Bondex||Former Federal Reserve Chairman, Alan Greenspan, believes the next bubble to burst will not be in the equity markets…it will be a normalizing of yields in the bond market as inflation ticks up. During a Bloomberg interview,||8/3/2017||Free||View in iTunes|
Brandon and Brantley explain insurance
There is so much CRAP on the Internet about insurance, especially life insurance, and much of it is from people who are really only expressing their own ignorant biases.
These guys explain the hows and whys of permanent life insurance: when it makes sense, where is may not the right choice, and how to properly use it.
You may ask how I can say these things (I am writing this review after only listening to the first episode of this podcast, after all, and I've never met these people)? Well... I've listened to EVERY EPISODE of their previous podcast (the now defunct Financial Procast) and I have had my specific questions handled reasonably and clearly.
You NEED TO LISTEN TO THIS PODCAST.
Oh, and they are entertaining too.
Simple, Entertaining & Eye-opening
Brandon & Brantley, get you to think outside the status quo. They challenge conventional wisdom, and create this desire to ask yourself a questions we often look over.... How, Why, and What am I putting my money into. Not really sure about insurance and a whole and what works for me, but after listening here, I'll be committing some time to research. I've only listened to two episodes but from what I hear, they care about people being aware of the right information! Thanks Guys, Keep it up, I look forward to hearing more from you!
Painfully poor planning
Do y'all ever plan a podcast before or during a show? It takes so long to get in to get past the intro. I am 2 mins into the episode I'm currently listening to, and I have no idea if they plan on getting started today. I only have so much time in the car as I am constantly meeting with clients. The stalling and pauses are a waste. Good agents know time is our most valuable resource and time wasters are not smiled upon.
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