One Child Runs the Business. What Do the Others Get?
Picture a couple in their early sixties. They own a business worth about $4 million. Everything else they own- the house, the 401(k), and so...
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The Insurance Pro Blog Podcast
Life Insurance De-Mystified
Episodes
20 of 125 episodesEveryone Left Whole Life for Cash Once. Here's What Happened
Cash pays real interest again. The Fed raised rates in September for the first time since 2023, and if you're shoveling money into a money m...
Someone Showed You a Whole Life Illustration. Is It Any Good?
Someone hands you a whole life illustration. It runs page after page; the legal team clearly got hold of it first, and the person who gave i...
The Same $50,000 Buys Two Very Different Whole Life Policies
Take a healthy 45-year-old man, one major mutual insurance company, and $50,000 a year paid for twenty years. Build that policy one way and...
He Borrows $1 Million a Year From His Whole Life Policy Instead of the Bank
This is the infinite-banking episode from two people who have never been infinite banking's biggest fans — and we do the whole thing without...
Your Buy-Sell Agreement Is Probably Already Underfunded
Your Buy-Sell Agreement Is Probably Already Underfunded Ask a room of business owners whether they have a buy-sell agreement and plenty of h...
Whole Life vs. Bonds: Your Portfolio's Rate-Hike Hedge
Fifteen years ago, on this very podcast, one of us predicted that bonds would become a problem. It took a while — long enough that the proph...
Whole Life Insurance vs. TIPS: An Inflation-Resilient Asset You Didn't Consider
Every so often, a financial product gets picked up by the internet for one reason and one reason only — its name. TIPS are a perfect example...
8 Things Insurance Agents Rarely Explain About Whole Life Insurance
Most whole life advice stops at the sales illustration. This episode is the conversation that should happen after it. Brandon and Brantley w...
Bonds vs Whole Life: Rebuilding the 60/40 Retirement Plan
The 60/40 portfolio has been the default retirement recommendation for so long that almost nobody stops to ask why it worked. In this episod...
Cash Value Life Insurance-Who Owns It and Who Should
Everybody has an opinion about who should buy whole life insurance. We've given ours plenty of times — built on fifteen-plus years and a few...
Indexed Universal Life Insurance Problems: Five Worries and the Evidence Behind Them
If you've spent any time reading about indexed universal life insurance online, you already know the greatest hits. The insurance company wi...
Private Placement Life Insurance-Why IUL Beats the PPLI Pitch
There's a version of the life insurance conversation that comes with a velvet rope. Someone from the private client side of a bank or adviso...
Estate Tax Exemption 2026-Who Actually Needs Life Insurance Now
Heading into 2026, the federal estate tax exemption was scheduled to sunset and roughly cut in half. A lot of life insurance marketing was b...
Using Life Insurance to Build Wealth-The Death Benefit Advantage
Most people think of life insurance as something that protects a plan they've already built. We'd argue it does something stranger and a lot...
Inside the General Account-How Life Insurers Are Building Your Whole Life Dividend in 2026
Northwestern Mutual just announced a record $9.2 billion dividend payout for 2026 — about a billion more than last year, and the largest thr...
Universal Life Insurance was Built with Rational Exuberance
Universal life insurance is the product everybody loves to dunk on. The vanishing-premium horror stories, the lawsuits, the agent who swore...
Financial Planning for High Earners-The Stability Lane Most People Skip
If you earn $400,000 or more, much of the standard financial advice you encounter was written for someone with a very different set of circu...
Life Insurance vs Annuities for Retirement Income-Which Strategy Wins?
If you've ever wondered whether life insurance or an annuity is the better tool for generating retirement income, the honest answer is that...
Whole Life Insurance Dividends-Easy to Model, Impossible to Predict
If a whole life illustration shows a year-30 internal rate of return near 5 percent, you might wonder what happens if the dividend scale fal...