Is it wise to start 2 policies on the same person at one time? Should you borrow from one policy to pay the premium on another policy also known as “Stacking” or “Laddering”? Should you take policy loans that you never plan to repay? Listen now and get the answers.

Answers to Frequently Asked Questions: Will it take very long?, What insurance company is best?

Policy design options to Maximize Whole Life Cash Value - what is worth considering and when. Learn why term riders could be a good option for some cases but not all. Call Life Benefits to discuss your personal situation: 702-660-7000.

Listen in on the way we think through reviewing a policy that seems okay but may not be balancing a client’s financial needs. It’s all about Money Management and what makes the most sense OVERALL. For details on this particular case see: http://www.life-benefits.com/blog.html?bpid=4204

Mainstream financial advisors usually advocate a conventional investment strategy along with term life insurance to cover liabilities and family obligations. But most people can get better results with ZERO market risk and MORE OPTIONS by using participating whole life insurance designed for low commission - high cash value. Listen and learn why this is the better way to go.

Discover the reason why Participating Whole Life Insurance is such a good asset to secure a foundation for your financial future and The Perpetual Wealth Code.

Different types of Riders that can be added to life insurance policies. Explore the pros and cons and the purpose of these different options. Discussion includes Waiver of Premium, Accelerated Benefit and Paid Up Additions riders.

An overview of the different types of life insurance and how to get more information.

Link to Perpetual Wealth Code™ Advanced Course: http://wealthsolutions.teachable.com/p/pwc-advanced

Podcast Now on Google Play at: https://play.google.com/music/listen#/ps/I4xs5kgmjo7et5fxrna7ndcepgu

How policy loan interest works. Explore how interest on a policy loan is figured, the options to pay it or add to the loan balance and what makes sense based on your strategy.

The loss of loved ones, and providing for those left behind is important. Life Benefits is focused on the living benefits, but death benefits is also a big factor.

An illustration is to a life insurance policy what a blueprint is for a house. Michele McFie joins Tom and John to share how to read and understand the numbers on a Life Insurance illustration.

Do you want a withdrawal or a policy loan? Discover the important difference between these two, and how they affect Cash Value and Death Benefit growth in various life insurance policies.

Different insurance companies call the Paid Up Additions Rider by different names, and provide different payment options.  Basically this rider is used to jump-start early cash value in a policy.  There are technical terms in today’s episode so get the big idea and remember we’re here to help with the details.

Discover the ins and outs of Variable Universal Life Insurance (VUL). Does it make sense to buy VUL if you want to invest in stocks and don’t need the death benefit? Get the answer to this question + more perspective in this episode.

Discover the dangers of Guaranteed No-Lapse Universal Life insurance and why guarantees in this product are not the same as the quality conservative Guarantees found in Participating Whole Life Insurance.

Whether you’re comparing whole life policies, or deciding whether it’s the right time to take a policy loan, it is most profitable to Think in Percent.  But a rate of return can be too deceptively simplistic.  Discover what percentages are truly important.

Planning for the future with Convertible Term Insurance.  Explore the rates on good Convertible Term Insurance and get a sense of the future Whole Life Premiums for converting.  Be sure to download the resource charts for this episode at www.life-benefits.com/podcast.html

Listen to this podcast and better understand Universal Life and the risk assumed by the policy owner.  Discover why basing your financial foundation on guarantees which are maximized in a properly designed Whole Life product is of such importance to you and your financial well being.

Special guest Dan Foley, CLU (Vice President of Marketing Technology at Security Mutual Life Insurance Company of New York) joins Dr. Tom and John McFie to share how dividends work in a whole life insurance policy with a mutual company.  Discover why dividend rates vary from company to company and the best ways to compare the performance of insurance products.

Should you replace an existing life insurance policy or keep what you have? Today we clear muddy waters surrounding this question and share some key factors that can help you make the best decision.

Discover why 10-pay policies are NOT the best way to build wealth using life insurance.  Dr. Tom and John McFie discuss a recent case and how the agent erroneously tried to reason that “the policy loan rate doesn’t matter because you get it all back in the end.”

Gracine joins the show today to share some underwriting rules and an easy way to calculate “Human Life Value”.  Discover how to use term life insurance as insurance for permanent life insurance AND income replacement for your family at the same time.

What Divdends mean and why we use the Paid Up Additions option by default. Dr. Tom and John McFie also discuss how long to pay the premium on a Whole Life policy.

Is there a place for Term Insurance? Yes. Dr. Tom and John run through the different varieties of Term Insurance and how to use them effectively to protect your family and provide the best options for your financial future.

Today on Wealth Talks John and Jesse McFie talk about 3 common myths about Whole Life Insurance.

    1) WL is best for Pre-Retirement Income Protection
    2) WL provides a Great Investment Return
    3) The Insurance Companies are Great Investors.