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In this episode, we ask:

• What gets repeated so often that it starts sounding like settled truths?
• What is there to fear?
• What is “flexible” early on that leaves you more exposed later on?
• What is Zombie Myth #1?
• What is the return?
• Why so slow?
• What about a policy from 1963?
• Can you do better?
• Did you account for taxes and fees?
• What is the equivalent “return”?
• What about the liquidity?
• What is Zombie Myth #2?
• What about growth mutual funds?
• What about term insurance?
• What’s the difference?
• What drops when the market does?
• What about the stable part?
• What about the bonds part?
• Does the term buyer get a higher rate of return, just because one bought term?
• What about the marginal tax rate?
• What is in the taxable bucket?
• What happens when you bake all of those assumptions in?
• Where are the massive increases?
• What just works?
• What just grows?
• What starts to disappear?
• What is Zombie Myth #3?
• Does the cash value disappear at death?
• How can you get the dividends?
• What builds up the cash value and the death benefit?
• What happens when you pass away?
• How much did you start with?
• How much did your family get?
• How much was the cash value?
• How much is the death benefit?
• Who understands risk levels?
• What looks cheaper in year 1?
• What looks shaky?
• What delivers uninterrupted compounding and liquidity?
• What is Zombie Myth #4?
• What can’t you do with “buy term and invest the difference” and a Roth IRA?
• What are the income limits?
• What are the distribution limits?
• What money can go into a policy?
• Does whole life insurance compete with a Roth?
• What is Zombie Myth #5?
• Do insurance companies charge you interest to borrow your own money?
• What is positive arbitrage?
• Is the interest a pure cost?
• What is Zombie Myth #6?
• Do whole life policies perform as projected?
• What are the guaranteed values?
• What is contractual?
• What is the dividend scale?
• What are the non-guaranteed values?
• What does better than the original projection?
• What cannot be changed?
• What will an asset manager do?
• What are the actual results?
• What about the 1963 policy?
• What is Zombie Myth #7?
• What about big juicy commissions?
• What about designations like the CLU® , ChFC® , CFP® ?
• Who wants uninterrupted growth?
• What about accessible growth?
• What about uninterrupted coverage?
• What about putting the clients interest first?
• What about Zombie Myth #8?
• What is the worst of the products available?
• What would have happened to the 1963 policy if it had been invested in the market?
• What delivers, by a landslide?
• What is the claim?
• What are the decades of actual results?
• What are the criticism?
• What will win in the end?
• What is the truth?
• What about the ECS factor of efficiency, control and safety?
• What happens with a properly structured Bank on Yourself® type whole life insurance policy?
• What about contractual guarantees?
• What are three action items?
• What are the guaranteed values vs. the actual dividend scales?
• What is the difference between…?
• Would you like to meet with Mark or one of Mark’s associates?