In this episode, we break down why traditional retirement strategies, such as “buy term and invest the rest,” often fail to deliver. Backed by an EY research study, we reveal how combining permanent life insurance (PLI) and deferred income annuities (DIA) creates tax-efficient growth, guaranteed income in retirement, and a lasting legacy.

✔️ Why investment-only retirement plans often fall short

✔️ How life insurance + annuities outperform Wall Street’s advice

✔️ The “sweet spot” formula: up to 30% PLI + 30% DIA

✔️ Why it’s never too late, whether you start at 25, 35, or 45

✔️ How this connects with Infinite Banking principles to build long-term wealth

0:00 - Rethinking retirement: saving vs. leaving a legacy

0:15 - Ernst & Young study on insurance in retirement planning

1:05 - Who Ernst & Young are and why their research matters

3:19 - Life insurance & annuities vs. investment-only strategies

5:07 - Explaining permanent life insurance and annuities

8:04 - Retirement savings gaps and risks by 2030

12:01 - Real-life financial struggles and debt examples

14:07 - Five retirement strategies compared in EY’s analysis

19:20 - Which strategies actually outperform

23:29 - Why integrated insurance strategies work better

27:03 - EY’s “sweet spot”: 30% life insurance + 30% annuities

29:22 - Fan follow shoutout: Robert Kindt

30:24 - Call to action: free cash consultation

Benefits of Integrating Insurance Products into a Retirement Plan

How life insurers can provide differentiated retirement benefits

If you're ready to learn more about the Infinite Banking Concept (and put JDew to the financial advisory test), you've got to watch our full Save & Spend Presentation and then schedule your FREE call with us at:

https://thebankingbros.com/save-and-spend-system-podcast-link

 

If you're interested in the source material (we didn't come up with this!), we'd highly recommend that you get a hold of R. Nelson Nash's book: Becoming your Own Banker (5th Edition)

https://amzn.to/2ZMw0h6

 

You can learn more about us at:

https://thebankingbros.com/save-and-spend-system-podcast-link

 

Follow and like us on FB, IG, and TIKTOK:

https://www.facebook.com/cashcompound

https://www.instagram.com/thebankingbros

https://www.tiktok.com/@thebankingbros