You're about to discover what really happens with indexed universal life insurance policies based on actual data, not hypotheticals. The average index credit across our database of IUL policies is 7.93% - significantly higher than the 5.25-6% assumptions typically used when modeling these products.

This episode breaks down how IUL policies have performed in the real world, including older policies with different cap rates and floor structures. You'll learn why the timing of interest payments matters and how the fluctuation between zero and cap rates creates meaningful long-term growth with no risk to principal.

Whether you're considering IUL or already own a policy, these historical results offer valuable perspective on what you can realistically expect. Next week, we'll compare these findings with whole life insurance performance to give you a complete picture of your cash value options.

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You may believe that stocks are the only path to retirement success, but this episode challenges that conventional wisdom. We explore why whole life insurance might produce similar retirement income despite lower apparent returns and why managing risk becomes even more crucial when you're likely to fall short of traditional retirement targets.

We show a realistic example of saving $15,000 annually over 20 years, comparing returns from stocks versus whole life insurance. The math might surprise you. The income streams are remarkably similar when you factor in withdrawal rates and market volatility.

The episode also examines why becoming wealthy is harder now than for previous generations. It candidly examines how housing costs, living expenses, and changing financial behaviors impact retirement planning. We discuss why the old rules of retirement planning may need updating and why focusing solely on the rate of return misses the bigger picture.

This practical discussion avoids taking sides in the stocks versus insurance debate, instead showing how different tools can complement your retirement strategy. You'll learn why time and consistency matter more than chasing returns and why your retirement planning should focus on generating reliable income rather than accumulating a specific account balance.

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If you'd like to find out how cash value life insurance might fit into your retirement income plan, please click here to contact us. 

Discover why focusing solely on low-cost investing might not be the best strategy for your financial future. Learn how combining traditional investments with alternatives like whole life insurance can create a more stable retirement income, even if the expenses are higher.

Find out why some financially successful people choose to pay more for certain investment vehicles and how this approach can actually lead to better outcomes. Understand the real impact of market volatility on retirement planning and why having non-correlated assets matters.

Explore how your stage in life and financial situation influence whether this strategy makes sense for you. We'll break down the numbers and show you how different investment approaches affect your retirement income potential.

This episode challenges conventional wisdom about always choosing the lowest-cost option and explains when paying more might be the smarter choice. We'll help you determine whether you can benefit from this strategy and whether you should stick with traditional low-cost investing for now.

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In this episode, we explore the core reason why many people don't own whole life insurance—and it's not what you might think. You'll learn how affordability plays a unique role, not just in terms of premium payments but also in reaching a financial position where whole life insurance makes strategic sense.

We compare two retirement planning approaches: continuing to maximize 401(k) contributions and diversifying into whole life insurance. Through practical examples, you'll understand how each strategy performs under different market conditions and why timing matters when incorporating whole life insurance into your financial plan.

You'll discover why whole life insurance often appeals to two distinct groups of people - the systematically frugal and high earners - and why we typically see more of the latter. We explain how whole life insurance can serve as a volatility buffer in retirement planning and why this becomes increasingly important as you near retirement age.

The episode concludes with a thoughtful discussion about risk tolerance throughout different life stages and why waiting until retirement to consider whole life insurance is often too late. Whether you're planning for retirement or simply interested in understanding different wealth preservation strategies, this episode offers valuable insights into the role whole life insurance can play in a comprehensive financial plan.

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If you've been thinking about the role whole life insurance might play in your retirement income plan, please click here to contact us.

In this episode, we explore why the first five years of retirement are critical to your long-term financial security. We examine research showing how sequence of returns risk can dramatically impact your retirement outcomes, regardless of your savings rate or investment strategy.

Your portfolio's performance during two key periods - the last 15 years of accumulation and the first 10 years of retirement - explains over 70% of your retirement success. Learn why traditional financial planning models focusing on average returns may not adequately protect you from market volatility during these crucial periods.

We discuss practical strategies to minimize sequence risk, including the value of guaranteed income streams. Discover why retirees with predictable income sources tend to report less financial anxiety and often maintain more wealth throughout retirement compared to those relying solely on investment portfolios.

This discussion moves beyond theoretical models to examine real-world retirement challenges and solutions. You'll learn why having multiple income strategies that aren't tightly correlated can help protect your retirement from market uncertainties.

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If you'd like to discuss your situation with us and have us help you design a retirement income plan that works for you, please click here to contact us. 

In this episode, you'll learn how combining annuities with traditional market investments can boost your retirement income by $17,000 annually. Using a real case study of a 60-year-old with $1 million in retirement savings, we break down how splitting assets between an annuity and market investments not only increases total income but also provides guaranteed monthly payments to cover basic expenses.

You'll discover why annuities aren't just for conservative investors, how to use them strategically alongside your market portfolio, and why having guaranteed income sources can lead to better retirement outcomes.

We explain why you need just $350,000 in an annuity to secure $6,000 in monthly income when combined with Social Security, leaving the rest of your portfolio free to grow and provide additional income for discretionary spending.

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If you're interested is seeing how a scenario like this might work for you, please click here to contact us. 

In this episode, you'll learn how annuities can play a crucial role in creating reliable retirement income. We explore why the traditional advice of "just take more risk" when your retirement savings fall short may not be the best approach for generating the income you need.

You'll understand how market volatility affects retirement withdrawals and why protecting your income matters more than chasing higher returns. We also explain the practical differences between selling assets for income and having guaranteed income sources.

Learn how combining different retirement income strategies, including annuities, can help you build a more dependable retirement plan. Whether you're planning for retirement or already retired, this episode offers straightforward insights about creating a stable income that can last throughout your retirement years.

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If you're interested in talking with us about how annuities and/or life insurance can play a starring role in stabilizing your retirement income plan, please click here to contact us.

Join us as we break down what it really takes to build a $1 million retirement fund using IUL (Indexed Universal Life Insurance) versus traditional market investing. We explore how saving $17,852 annually over 25 years can lead to different outcomes depending on your chosen strategy.

Through practical examples, we'll show you why account balances don't tell the whole story and help you understand how IUL's unique features - tax efficiency, low volatility, and flexibility - compare to market investments for retirement income planning.

We discuss real scenarios from recent years, including market volatility in 2020 and 2022, to demonstrate how different retirement strategies perform under stress. If you've wondered whether you should focus on market investments, IUL, or a combination of both, this episode offers a straightforward look at the numbers and trade-offs you need to consider.

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If you'd like to take a look at a policy for yourself, we'd love to help, just click right here to contact us. 

Join us as we explore how Indexed Universal Life (IUL) insurance can support a dynamic approach to retirement income planning. We examine why treating retirement income as a static number often doesn't match reality.

Using real examples, we break down different withdrawal scenarios—from steady increases to accommodate inflation to varying distributions that match the traditional "retirement smile" spending pattern. You'll learn how a $1 million IUL policy can potentially support changing income needs over a 30-year retirement.

We keep it practical and focused on what matters most: generating reliable, spendable income throughout your retirement. IUL's combination of tax efficiency and low volatility demonstrates how this tool can help you prepare for significant life changes, including late-life expenses like long-term care.

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If you'd like to explore using an IUL policy to build out a portion of your retirement income plan, please click here to contact us. We can help.

In this episode, we explore how recent innovations in whole life insurance have created more flexible and powerful policies than ever before. We discuss how modern whole life insurance differs from older policies, particularly in terms of premium flexibility and cash value accumulation.

You'll learn how today's policies offer features that address common concerns like premium commitments and cash value access while maintaining the core benefits that make whole life insurance valuable. We also examine how rising interest rates and market conditions create favorable opportunities for whole life insurance and indexed universal life insurance.

Join us as we break down these innovations and explain why both new buyers and experienced investors might want to take a fresh look at what today's whole life insurance policies can offer.

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If you're looking for your own policy or just want us to take a look at a policy that you already own, please click right here to contact us.