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...
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The Insurance Pro Blog Podcast
Life Insurance De-Mystified
Episodes
20 of 120 episodesWhole 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...
Does Infinite Banking Work? Why It's a Borrower's Tool, Not a Saver's Strategy
Infinite banking gets pitched to almost everyone, but it only works for a narrow group of people. The concept isn't about how much you earn...
Bond Vigilantes, Rising Yields, and a Rarely Discussed Feature of Whole Life Insurance.
Most people assume the Fed controls interest rates. The bond market has a different opinion — and over the past several years, it's been win...
Whole Life Insurance as Portfolio Insurance-Taking Money Off the Table
When a big win lands in your lap — a stock that ran further than you expected, a property sale, a business exit, an inheritance — the planni...
Annuity Default Risk-Why Consumers Fear What Almost Never Happens
If you've ever hesitated on an annuity because you weren't sure the insurance company would actually pay, you're not alone. Recent academic...
Should You Buy a RILA? A Skeptical Analysis of Buffer Annuities, Their Niche Use Cases, and When to Walk Away
A note before we begin : RILAs are registered securities, and we don't sell them. We sell fixed annuities — SPIAs, MYGAs, and fixed indexed...