Nov 2, 2025

You've been told that maxing out your 401(k) is the key to a secure retirement. But what happens when you're 52, hate your job, and have a million dollars locked away that you can't touch without massive penalties?

We explore the hidden trap that catches millions of Americans who concentrate too much wealth in...

Oct 26, 2025

When someone asks you about the average rate of return for indexed universal life insurance, you'll discover that average is actually a meaningless number. You need to understand the probability of hitting specific rates of return to make accurate projections about what might happen with your IUL policy.

In this...

Oct 19, 2025

You've probably heard the standard advice about who should buy whole life insurance: ultra-conservative investors who've maxed out their 401k and IRA contributions. The financial industry often treats cash value life insurance as a last resort for people with nowhere else to put their money.

We challenge...

Oct 12, 2025

You want to build cash value with whole life insurance, but you're not sure how paid-up additions actually work. This episode breaks down the fundamentals of paid-up additions riders and why they're essential for cash accumulation. We explain the difference between having a PUA rider and actually using it effectively.

Oct 5, 2025

This episode examines real-world data from a 12-year-old indexed universal life insurance policy. We track how the policy performed despite significant changes to its original parameters. The case study reveals insights about IUL resilience and flexibility.

The policy started with a 12% cap rate and 2% floor on the S&P...