Archive for July, 2013

048 How to Get 14,000% On Your Money

(Complete Show Notes Below) In the 48th episode of the Financial Procast: Letter to 6,000 401(k) Sponsors Causes a Stir Yes indeed…there are a great many financial advisers who are running around with their hair on fire after many of their plan sponsor clients received letters from Ian Ayres, a Yale Law School professor, stating […]


Whole Life Insurance Loans are a Scam

The other day I happened upon a piece that MSN Money reposted telling me (and you) what I (we) needed to know about whole life insurance. The piece is horrendously bad, but if you really want to read it, you can find it here—just don’t take anything it says seriously or as fact. You’ll notice […]


Can you get Life Insurance if you’ve had a Stroke?

Buying life insurance if you’ve survived a stroke can be a tad tricky, but being a stroke survivor does not automatically mean you’ll be declined for coverage if you apply, nor does it mean your stuck accepting a small policy issued without full medical underwriting from an obscure company with questionable credit raitings. Today we’ll […]


047 Life Insurance Company Ratings and Financials…Do They Matter?

(Complete Show Notes Below) In the 47th episode of the Financial Procast: Why Do Ratings and Financials Really Matter for Life Insurance Companies? If you read through any marketing collateral from life insurance companies you’ll see all sorts of touting related to their various A+, A++, AA+, etc. ratings.  But what does any of that […]


Life Insurance for Diabetics

Applying for life insurance is not a terribly complicated process for people who have only minor health issues.  On the other hand, for people who have more serious issues with their health it can be a much more arduous process.  In particular for people who suffer from either type of diabetes type 1 or type […]


046 Don’t Get Whacked by the Estate Tax!

(Complete Show Notes Below) In the 46th episode of the Financial Procast:  DISCLAIMER: LEGAL, INVESTMENT AND TAX NOTICE: This information is not intended to be and should not be treated as legal advice, investment advice or tax advice. No one under any circumstance should rely upon this information as a substitute for obtaining specific legal […]


Bank on Yourself®, Infinite Banking, et. al. Unraveled

Our regular readers know that we have a certain love/hate relationship with the whole Bank On Yourself®, Infinite Banking, and their various iterations. We certainly enjoy their work in furthering the cause, the notion that one really can use cash value life insurance as a means to accumulate wealth and that the products actually do […]


045 WARNING: You Could Lose Money with Indexed Universal Life Insurance!

(Complete Show Notes Below) In the 45th episode of the Financial Procast: We Discuss Indexed Universal Life Insurance The episode starts off with an introduction to indexed universal life insurance (IUL), what it is, how it works and why it came to be in the first place!  After quite a few years of offering a […]


Indexed Universal Life Insurance Income Variation Analysis

Indexed universal life insurance is another strong contender to whole life insurance for the purpose of accumulating wealth and generating retirement income through life insurance. If you need a primer on how indexing works, you can find that here. To explain the concept in 25 words or less, we’ll simply say that it’s a product […]


044 Bank On Yourself part 2–Bank Harder!

(Complete Show Notes Below) In the 44th episode of the Financial Procast: Pamela Yellen Continues the Bank on Yourself© Cause Last week Pamela Yellen announced that she is indeed publishing a new book that’s due out early next year. Now, in the past we’ve been a little harsh regarding Pam and her first book, Bank […]


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