Not Your Average Financial Podcast

Episode 215: Client Spotlight with Jack Gerstner

October 15, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

Can you rely on someone else to create your financial plan?
Have you heard Episode 122?
Who is your money guru?
Who is Jack Gerstner?
What about financial education?
What about research?
What about being open to new ideas?
What about challenging assumptions constructively?
What is Jack’s story with money?
What’s Jack’s story with crypto?
What happened when Jack read the Bank on Yourself Revolution book?
How does Jack use and leverage the whole life insurance policies?
What about renovations on properties?
What about medical bills?
What about speculation?
What about leaving a legacy?
What about property taxes?
What about compounding power?
How are taxes life’s greatest expense?
What makes all the sense in the world?
What is Jack’s strategy with whole life insurance and crypto?
What about Bitcoin?
What about speculation and volatility?
What about dollar cost averaging?
What about risk?
What about dividend paying whole life insurance?
What about annuities?
What about “anchor” assets?
What is Jack’s framework for allocation?
What about an emergency fund of three to six months of living expenses in your whole life insurance policy?
What about giving your money a job?
What about Jack’s philosophy for finance?
How is money a tool?
What about trusting and verifying?
What is a wise allocation of time?
What about a healthy distrust of mainstream advice, in general?
What about financial responsibility?
How about owning and learning the right way?
How do Bank on Yourself® type whole life insurance policies allow you to take more responsibility?
Who cares the most about your money?
What about purchasing power?
What about inflation?
What about inflation as a tax?
What happens to dividends on policies when interest rates rise?
Why did Jack join the Navy?
What would Jack tell his 18-year-old self?
What about paying attention to time?
What about responsibility?
What is reliable?
What is within your control?
What about your internal locus of control?

Jack Gerstner lives in Elmhurst, IL with his beautiful wife Lauren and their daughter Mia. They have a baby boy due in November 2021. Jack is an Illinois native and has lived here his entire life. He is a Transportation and Logistics professional and an Officer in the Navy Reserve. When he’s not spending time with his family or working, Jack enjoys running, reading, and learning about finance. Jack started his Bank on Yourself journey in June 2014 with Lake Growth Financial and now has multiple policies on him and his family.
Contact Jack on LinkedIn

Episode 214: Not Your Average Inflation

October 8, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

Would you like to join us tomorrow, October 9, 2021, for the Not Your Average Financial Summit?
What about the hyperinflation after WWI?
Is finance “just math”?
What about net worth?
What is far worse than being in a negative net worth?
What about interest payments to debt?
Would you like to view the U.S. Debt Clock?
What about the sizable national debt?
What about the net present value calculation?
What are the promises?
What about the terminal value or liquidation value?
What about global wealth?
What about large liabilities?
What happens systemically?
What about debt to GDP ratio?
What about math?
How much has the money supply grown?
How much has the population grown?
Is inflation a stealth tax?
What about compounding growth?
What about leverage?
What about the velocity of money?
What about purchasing power?
What are the banks trying to sell?
What about savings accounts?
Where can you get compound growth, leverage and velocity of money?
What did DALBAR say?
What about target date funds?
What was the year over year growth over the last 20 years?
Who has a 401(k)?
What about the real return vs. the advertised return?
Could real estate hedge inflation?
What happens in a time of crisis?
What are the options?
What else is there?
What are some not your average strategies?
What about fixed indexed annuities?
What about losing purchasing power?
What about having an inflation rider?
What about having a cost of living adjustment rider?
What about the behavior of the market?
What is laddering?
Can your money keep up with or exceed inflation?
How might we stabilize?
What about an example?
What about a dynamic response to inflation?
Is there inflation insurance?
What about Bank on Yourself® type whole life insurance policies?
Is whole life insurance immune to hyper inflation?
What happens when the rates go up?
Would you like to hear Episode 113?
What happens to bonds when inflation hits?
What do insurance companies invest into?
What are the rules?
What happens to insurance products when inflation hits?
Do you know anything else in the world can do what I just described?
How much value would you like to build for your business?
How might I respond in a positive way to whatever happens?
This is the last day before our summit, would you like to RSVP for tomorrow, October 9, 2021?

Episode 213: 8 Ways to Prosper From Annuities

October 1, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

Do annuities stink?
What are the retirement experts saying?

In this episode, I explore the Kiplinger’s Article from June 3, 2021 on 8 Surprising Ways to Prosper on Annuities and add some of my own thoughts. Have you read this article? It’s really good…

What are the three questions you need to ask yourself before buying an annuity?
How do you want to fund your annuity?
Can you add to a flexible annuity?
When do you want the money?
What is a SPIA (a single premium immediate annuity)?
What is a deferred annuity?
What about earning interest?
How do you want it to grow?
What is a fixed annuity?
What about variable annuities?
Who assumes all of the risk?
What is guaranteed?
What about a fixed deferred annuity?
What about a declared rate annuity?
What about the interest calculation?
How does an annuity compare to a CD?
What about the S&P 500?
What about when the market is up?
What about when the market drops?
What about allocations?
What about locked-in increases?
What is the safety of a fixed indexed annuity?
Does a fixed indexed annuity make sense for you?
What about charity?
What about long term care?
What about estate planning?
What about RMDs?
What is the bucket strategy?
What about the short term?
What about the medium term?
What about the long term?
What is laddering?
What is a bond market hedge?
What about period certain income?
What is bond market risk?
What about transferring wealth to your heirs?
Would you like to hear Episode 211?
What about an annuity with a death benefit?
What about a series of payments?
What about a joint life annuity?
Who is your survivor?
Does your survivor need to be a spouse?
What about a child or grandchild?
Does an inheritance strategy change the monthly income amount?
Does the annuity bypass probate?
What about social security benefits?
What about waiting until age 70 to take social security benefits?
What happens to the monthly amount?
What are the downsides?
What about health?
What about reliable income?
What about long term care expenses?
What about underwriting for long term care in an annuity?
Do they require medical exams?
What about giving more money to charity?
What is a charitable gift annuity?
What about minimizing estate taxes?
What about loss of liquidity?
What about reducing your required minimum distributions (RMDs)?
What is a QLAC or qualified life annuity contract?
Are you forced to take money out of qualified plans?
What happens at age 85?
How might one beat a CD at its own game?
What is a MYGA or multi-year guaranteed annuity?
What about a fixed period of time?
What about an additional savings bucket for retirement?
What about a fixed annuity over a certain period of time?
What are the options?
What’s the difference between a CD and a MYGA?
Who issues a CD?
Who issues a MYGA?
What about interest?
What about tax?
What about medical bills?
What about a strategy?
You’ve heard of deferred tax? What about deferred income?
What about two streams of income?
What about pay raises?
What about growth?
What about repaying a whole life insurance loan?
What surprising ways have you prospered from annuities?

Episode 212: The Coming Revolution in Lifetime Income

September 24, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

Would you like to join us for a one-day summit on October 9, 2021? Scroll down for access!
Would you like to read the founder of Bank on Yourself®, Pamela Yellen’s guaranteed lifetime income report?
Would you like to reach out to us and we’ll send it to you?
What about retirement?
What did William Sharpe say?
How will you plan?
How long will your money need to last?
Do you have a backup plan?
What has changed over the generations?
Is this a new problem?
What is an annuity?
What are the guarantees?
What is the value?
How are annuities protective?
What is the only true form of retirement security?
What is the Lindy effect?
Which will be here longer: the book or the digital book?
What about the news?
What about gold?
What about annuities?
How far back do annuities go back?
What happened in 1759?
How can one receive a guaranteed lifetime income from an annuity?
What about a lifetime income rider?
What about an example?
What about income with increases?
What about contracts?
What are options for spouses?
What is a joint life payout?
What happens upon death?
Would you like to meet with Mark?
How will your money grow?
What about tax?
What is a thing of beauty?
What about rollovers and transfers?
Would you like a few examples?
What about tax deferral?
What about long term savings purposes?
What about surrender charges?
What about liquidity?
What is a surrender period?
What about penalties?
What about surrender-free withdrawals?
What about penalty-free withdrawals?
What about a long-term income play?
What about emergencies?
What about surrender charges on CDs?
What about brokerage surrender charges?
What did Richard Thaler say?
What about solving your own retirement problems?
Who will you work with?
Are they qualified?
Are they competent?
Do they understand how to help you?
Would you like to work with us?
Would you like Pamela Yellen’s full report?
How will you get to your goals?

Join Us! Saturday, October 9, 2021

9:00am – 3:30pm CDT

REGISTER NOW

Episode 211: Annuity Myths Exposed

September 17, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

Would you like to join us on Saturday, October 9, 2021 for the Inaugural Not Your Average Financial Summit? Join the Not Your Average Community to learn more!
What about the fees on annuities?
What about Dave Ramsey, Ken Fisher and Suze Orman?
What about transferring risk?
What about buying a guarantee that you will never run out of money?
How about an example?
What about commissions?
What would the investment advisor earn on assets under management (AUM)?
What are the fees on AUM?
Do these fees seem reasonable?
What offers a predictable income?
What about annuities and liquidity?
What about deferred annuities?
What about liquidity provisions?
What about 10% withdrawal amounts?
What about surrender charges?
What about the cumulative amount provisions?
Would you like another example?
What is the 3% rule?
How could you generate more income in retirement without extra work?
What about interest rates?
What about Wade Pfau’s paper in Forbes Magazine?
What do annuities rely upon?
What are mortality credits?
What sort of guarantees come with annuities?
What about the law of large numbers?
What about pricing out mortality?
What about youth?
What about a familial tendency toward premature death?
What about payments to family members?
What about old-fashioned annuities?
What about giving up control?
What about gaining control over longevity risk?
What about gaining control over a deflationary economy?
What about gaining control over market risk?
What about gaining control over sequence of returns risk?
What happens if…?
What about bonds?
What are the three phases of wealth building?
What about protecting money when the market goes up?
What about distributing wealth?
What about protecting wealth from creditors and predators?

Episode 210: Do You Believe These Four Retirement Whoppers?

September 10, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

Would you like to attend the Inaugural Not Your Average Financial Summit on October 9, 2021?
Would you like to learn more?
Would you like to join the Not Your Average Financial Community to get notified?
What about savings running out?
What about anxiety?
What about the Alliance for Lifetime Income?
What about retired Americans?
Who has pensions?
Who has annuities?
What is changing?
What about 401(k)s?
What about rising health care costs?
What about concerns?
Who has a plan?
What is a myth about retirement?
What expenses reduce in retirement?
What expenses expand in retirement?
What about tracking expenses or budgeting?
What about debts?
What about streams of income?
What about taxes?
What about tax deferral?
Is pension income taxable?
Is social security taxable?
What are the rates based upon?
Will tax rates change?
What happens in 2025?
What about math?
What about required minimum distributions (RMDs)?
What happens at age 72?
Who will have to worry about the stock market in retirement?
What is a reasonable percentage for retirement withdrawals?
What is the 4% rule?
How much will you need?
What about taking into account human behavior?
What about liquidity?
What about allocations?
What about the returns?
What about volatility?
What about fees?
What about another scenerio?
Would you endure the market’s madness for that return?
Will everyday be like a vacation?
What about meaningful work?
What about volunteering?
What about SCORE?
How long do people tend to work?
How many people have to retire early?
What about vitality?
What about aging parents?
What about risk?
Would you like to learn about myths around lifetime income and annuities?

Episode 209: What’s Wrong with Self-Directed IRAs?

September 3, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

Would you like to join us for the Not Your Average Financial Summit?
Are you a member of the Not Your Average Community? Join Here
What about Self-Directed IRAs?
What happened on Labor Day of 1974?
What is ERISA?
What about IRAs and 401(k)?
What about saving for retirement on your own?
What is an Individual Retirement Arrangement?
What about employer’s qualified pension plan?
Can an IRA be tax deductible?
Is an IRA tax deferred?
What was the annual amount that could be added to an IRA in the 70’s?
What about the Roth IRA?
What is the current annual amount that can be added to an IRA in 2021?
What about prohibited transactions?
What are the taxable dynamics and potential penalties?
What about flexibility and control?
When was the Self-Directed IRA born?
Can one find Self-Directed IRAs in the tax code?
Can there be other types of Self-Directed qualified plans, like a Self-Directed 401(k)?
What about a Self-Directed LLC?
What about real estate investing?
What can be included in a Self-Directed IRA?
Are alternative investments aloud?
Is an alternative investment a good idea?
What about custodial agreements?
What are the little pitfalls that could cause massive issues?
What about additional tax returns?
What about annual reporting?
What are the risks?
What are prohibited transactions?
What is considered improper use?
What about setting up a corporation?
What about investing in your own business?
What is the assumption?
Can you borrow from your IRA?
Can you use your IRA as collateral?
Do all these rules sound like freedom?
Can you purchase property that you and your family use?
What are the options?
What about purchasing real estate inside of an IRA?
What about a REIT?
What about owning a rental property or fix and flips inside of an IRA?
What are the problems of owning real estate inside of an IRA?
What about purchasing real estate outside of an IRA?
What about heirs?
What substantial cash needs for maintenance and property taxes?
Will $6K be enough?
What happened to all of the options?
What about RMDs or required minimum distributions?
Will a Roth IRA have RMDs?
What about the 50% penalty?
What about the annual appraisal?
What about filing with the IRS?
What about paying for a bookkeeper inside of your IRA?
What is the uniform lifetime expectancy table?
What if you have to sell your real estate?
What happens if the market crashes?
What about the unknowns?
What about the gains and losses?
Can you claim depreciation or cost segregation for real estate inside of an IRA?
Is real estate liquid?
Will real estate perform better than other options?
What will the long term risks be?
Will you need an IRA for a source of income in retirement?
Will you be forced to sell your property at the wrong time?
What about selling stock?
What about selling an entire building?
Is there a third option?
What about a fixed indexed annuity inside of an IRA?
What about an example?
What about other qualified plan options?
What are the problems?
What are the additional expenses?
What about the potential loss?
Would you like to continue to learn more?
- Episode 183 Bank on Yourself® and Crypto
- Episode 181 Bank on Yourself® and Real Estate Tax Problems
- Episode 161 and Episode 162 Bank on Yourself® and Real Estate Investing
- Episode 41 Bank on Yourself® and the Asset Class of Real Estate

Episode 208: Turning $82K into $20M with Chris Thurman

August 27, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

What about a seed?
Who is Chris Thurman?
What about his partner Grant Thompson?
What happened when Mark was a client?
What about love?
What about life insurance as a central component?
What about a story?
How do we need to think?
What about Nelson Nash?
Why did Nelson Nash plant trees?
What about having a huge impact on your family?
What about the numbers?
What about insurance on the wife?
What about insurance on the husband?
Who do we want to insure?
Who do we want to benefit?
What happened when the son-in-law ended up in the hospital?
What about the paid up additions riders (PUA riders)?
What about the death benefit?
What about getting the windfall?
What did they do that was different?
What did they do with the inheritance?
How did she buy her house?
What happens at age 65?
What happens at her age 90?
What about multi generational planning?
Who started all of this?
How much did grandpa contribute?
What happens at the 4th generation?
What about life insurance on babies?
When do we want to start compound growth?
What about protecting insurability?
What about his son’s insurability?
What about teaching your children and your grandchildren?
What is the growth?
Where else can she start an outcome like this?
What about the Rockefeller Family?
What about the Rothschild Family?
What about the death benefit alone?
What have the policies grown to?
What about the legacy for this family?
Can her son handle this much wealth?
Why not term insurance?
How many term insurance policies will be in force at 90 years old?
Does term insurance have its purpose?
Why is whole life insurance required to make it work?
What about starting with your children?
What about starting with your grandchildren?
What about teaching kids on a camping trip?
What about teaching kids through example?
Who owns their cars?
Who borrows on their cars?
What about the “normal” way?
What about sharing annual reports?
What was his experience gifting his daughter a policy after graduation?
What about teaching your kids along the way?
What do they teach about money in school?
What about being normal?
What about being in debt up to your eyeballs?
What about having a nice credit score?
What about having a 401(k)?
What about sticking the money in the drywall of your house?
What about a sibling summit?
Is love part of your rate of return?
What principles or proverbs would Chris leave to his family?
How was Chris impacted by his Bank on Yourself® type whole life insurance policy?
Would you like to reach out to Chris and/or Grant? thompsonthurman.com

Chris Thurman is the co-owner of Thompson & Thurman in Amarillo TX and one of only 200 Bank on Yourself® Professionals in the United States and Canada. He takes a comprehensive view of each client’s financial situation, and is passionate about guiding his clients towards success. He uses the Bank on Yourself® process to enable his clients to have a rock-solid financial plan and a predictable retirement income, with no luck, skill or guesswork required. Chris helps his clients become their own source of financing and get back what they pay for major purchases so they can have a richer lifestyle in retirement that is not directly dependent on the ups and downs of the stock and real estate markets.
Chris is married to his wife Holly and they have 3 children Austin, Claire and Spencer. In Chris’ spare time he enjoys spending his time at his kids sporting events and spending time with the family in the mountains fishing and riding ATV’s.

Episode 207: “Ask Larry” Kotlikoff How to Get What’s Yours

August 20, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

Would you like to hear what people are saying?
Who is Larry Kotlikoff?
Would you like to view his books?
What about economics?
Why has the American worker not seen wages not gone up?
What about Irving Fisher?
What about consumption smoothing?
What if you had a freezer full of lifetime frozen steaks?
What did Larry do with his son?
What needs to be paid for “off the top”?
What about his software?
What about your future Social Security benefits?
What about your highest level of a smooth living standard?
What about a the reality of your lifetime budget?
How are these ideas different from conventional planning?
What’s wrong with high yield and high fee stocks?
How bad could the downside be?
What’s the upside?
What is the appropriate level of risk?
Who wants their living standard to drop off a cliff?
What about planning based on life expectancy?
What does economics say?
What is wrong with living too long?
What about Wall Street?
What about life expectancy?
Who will die at the average age?
Can we play the odds with our lifespan?
What about getting a maximum annuity?
What about waiting until age 70 to take social security?
Do you need to apply for the benefit?
What should we plan for?
For example, would you like your living standard to decline at age 75?
How might we deal with unforeseen expenses?
What about long term care policies?
Does your long term care policy account for inflation?
What happens if you need home health care?
What happens if you need a nursing home?
Would you like to order the new book, Money Magic?
What about Social Security?
Is there an enormous incentive to be patient?
What happens if you take Social Security early?
What about the earnings test?
What about the adjustment of the reduction factor?
Will you use benefits if you go back to work?
Can you earn money without losing benefits?
Can you suspend your benefit and start up higher at age 70?
What about the stock market?
What about periods of time where the market drops?
What happened in the Great Recession?
What happened in the early 30s?
What happened in 2000?
Will you be at a permanently lower living standard?
What about risk?
What’s a risk adjusted basis on the stock market right now?
What about DALBAR?
What about an example?
What about Medicare and Social Security?
Is Social Security in the red?
What about the official debt?
What is limited purpose banking?
What about leverage?
What about the mutual fund system?
Have you seen the movie, It’s a Wonderful Life?
Would you like to visit kotlikoff.net?

The topics presented in this podcast are general information only and not for the purposes of providing legal, accounting or investment advice. On such matters, please consult a professional who knows your specific situation.

Laurence J. Kotlikoff is a Professor of Economics at Boston University, a Fellow of the American Academy of Arts and Sciences, a Fellow of the Econometric Society, a Research Associate of the National Bureau of Economic Research, and President of Economic Security Planning, Inc., a company specializing in financial planning software. An active columnist, Professor Kotlikoff’s columns and blogs appear in the Financial Times, Bloomberg, Forbes, Vox, The Economist, Yahoo.com, and the Huffington Post. Professor Kotlikoff received his B.A. in Economics from the University of Pennsylvania in 1973 and his Ph.D. in Economics from Harvard University in 1977.

From 1977 through 1983 he served on the faculties of economics of the University of California, Los Angeles and Yale University. In 1981-82 Professor Kotlikoff was a Senior Economist with the President’s Council of Economic Advisers. Professor Kotlikoff is author or co-author of 16 books and hundreds of professional journal articles. His most recent books are The Clash of Generations (co-authored with Scott Burns, MIT Press), The Economic Consequences of the Vickers Commission (Civitas), Jimmy Stewart Is Dead (John Wiley & Sons), Spend ‘Til the End, (co-authored with Scott Burns, Simon & Schuster), The Healthcare Fix (MIT Press), and The Coming Generational Storm (co-authored with Scott Burns, MIT Press) and Generational Policy (MIT Press). Get What’s Yours: The Secrets to Maxing Out Your Social Security (co-authored with Philip Moeller and Paul Solman) will be published by Simon & Schuster in February 2015.

Professor Kotlikoff’s writings and research address financial reform, personal finance, taxes, Social Security, healthcare, deficits, generational accounting, pensions, saving, and insurance.

Professor Kotlikoff has served as a consultant to the International Monetary Fund, the World Bank, the Harvard Institute for International Development, the Organization for Economic Cooperation and Development, the Swedish Ministry of Finance, the Norwegian Ministry of Finance, the Bank of Italy, the Bank of Japan, the Bank of England, the Government of Russia, the Government of Ukraine, the Government of Bolivia, the Government of Bulgaria, the Treasury of New Zealand, the Office of Management and Budget, the U.S. Department of Education, the U.S. Department of Labor, the Joint Committee on Taxation, The Commonwealth of Massachusetts, The American Council of Life Insurance, Merrill Lynch, Fidelity Investments, AT&T, AON Corp., and other major U.S. corporations. He has provided expert testimony on numerous occasions to committees of Congress including the Senate Finance Committee, the House Ways and Means Committee, and the Joint Economic Committee.

Episode 206: Bank on Yourself® Type Whole Life Insurance Policy Loans vs. Everything Else, Round Two

August 13, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

Have you heard the first episode in this series, Episode 205?
Which is better: a 401(k) loan or a whole life insurance policy loan?
How many of 401(k) investors have an outstanding loan?
Should the 401(k) loan be the first choice or the last choice?
What is the process for getting a 401(k) loan?
What are the 13 steps?
How long does it take to get a 401(k) loan?
What happens with a whole life insurance policy loan?
What are the limits?
What can you use the money for?
What do the proponents of the 401(k) loan say?
Are 401(k) loans a taxable event?
Are taxes due?
How will you be repaying that 401(k) loan?
Will you pay taxes twice?
What’s your bracket?
Have you seen the show notes on Episode 110?
What happens if you borrow from your 401(k) and you lose your job?
How fast must you repay that loan?
What about taxes and penalties?
What are the required repayment plans?
What about a home equity line of credit (HELOC)?
What about tapping into the equity of your house?
What about the requirement of making regular payments?
What about pledging your home as collateral?
What about a higher interest rate?
What about HELOC vs. whole life insurance policy loan?
Is the house value guaranteed to grow?
Are whole life insurance cash values guaranteed to grow?
Could you lose your home if you don’t pay off the HELOC?
What is collateral in a whole life insurance policy?
What about a court judgment?
What about credit ratings?
Can a banker call your HELOC?
What is the fine print in the HELOC?
Can you count on the HELOC?
Is it possible to default on a whole life insurance policy loan?
What happens when the loan value is the same as the cash value?
How might you avoid policy lapse?
What happens to the death benefit on a whole life insurance policy that has unpaid loans?
Would you like to hear Episode 203?
What about loaning from a brokerage account?
What is a margin loan?
Can the broker call the margin loan?
What about locking in losses?
What is liquid?
Is there a repayment schedule on whole life insurance policy loans?
What did Mark Twain say?
What about life insurance loans vs. whole life insurance loans?
Can you borrow from a term insurance policy?
What about universal life insurance?
Would you like to hear Episode 59? Episode 60? Episode 61?
What about the monthly costs on universal life (UL) and indexed universal life (IUL) policies?
What significant changes happen in these policies?
What are the risks to taking loans on a IUL or UL policies?
What happens when closing IUL or UL policies?
What are the tax consequences?
What about variable life policy loans?
What are the risks?
Will the policy lapse?
What about the phantom income?
What about the moving parts?
Why are whole life insurance policy loans so much safer?
What is on the insurance company’s shoulders?
What about the guarantees?
What is not guaranteed?
Can the insurance company change the costs on the policy?
What about annual cash value increases?
What about the death benefit?
What about the premiums?
What about the dividend paying whole life insurance policy?
How might dividends make the situation even better?
Who does the dividend benefit?
What about minimum guarantees?
Is a Bank on Yourself® whole life insurance policy part of your overall strategy?
What about the death benefit?
What about the living benefits?
What about the loan feature?
What about tax advantages?
What about security?
What about guaranteed growth?
Would you like a 15-minute meeting with Mark?

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