Dec 21, 2025

In this episode, we break down the significant changes Secure Act 2.0 brought to single premium immediate annuities (SPIAs). You'll learn how the new rules allow SPIA income to count toward satisfying your required minimum distributions. This change makes SPIAs substantially more attractive from a tax perspective.

We...

Dec 14, 2025

In this episode, we walk through a real 10-year-old indexed universal life insurance policy that didn't follow the original plan. You'll see actual results from a policy where the owner paid about 41% less in premiums than planned and made sporadic payments throughout each year instead of sticking to a schedule.

We...

Dec 7, 2025

Ever wondered if insurance companies are pocketing the difference between what the market returns and what your indexed product credits? We break down exactly how indexed universal life and indexed annuities actually work behind the scenes.

You'll learn how insurance companies divide your premium into three distinct...