Wealth Talks

Preserving your family values for handling money and wealth.  Discover some simple practical activities you can do with your children to plant the values of Perpetual Wealth and Wise Stewardship even at a young age.  Here is the link to get the children books discussed in this episode: http://www.life-benefits.com/store.html

The greatest downside of The Perpetual Wealth Code™ and options for passive income in your Golden years.  Hint: The downside is also your greatest benefit in using The Perpetual Wealth Code™.   Psst…be sure to check our YouTube channel to see the office tour video Jesse is sharing this week.

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.

Ben and Jesse McFie join Tom and John in the studio sharing some recent news and conversations. Then we talk about being a good Money Manager and why you should think twice before borrowing from one policy to pay another.

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

In this episode Michele McFie joins Tom and John to talk about Dividends and how to practically compare illustrations. She will also share with you some helpful tips and techniques. To have us review your Illustrations and/or inforce policies, Contact: team@life-benefits.com

Insight on Real Estate Investing and The Perpetual Wealth Code™ with a "lump sum" of money versus an income stream. Discover why balancing life insurance with other investment opportunities is more important than trying to get the max $ into life insurance premiums immediately.  Episode Resources: Podcast. Life-Benefits.com

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.

How to manage debt wisely whether it's a mortgage, car loan, business loan or policy loan.  Life Insurance plays a key role in providing protection against outstanding debt and becomes the best environment for savings and a foundation for other investment opportunities.

This week on Wealth Talks Tom and John talk about the keys to a successful budget. Listen to this episode and discover how a percent based budget can provide you more freedom and scalability than a traditional flatline budget based on fixed expenses.

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.

We don't usually talk about job reports and confidence levels, but some special things are happening right now. Despite the looming stock market crash from unprecedented highs which has been predicted by several experts, the next few years are likely to be a great time for small business growth, translating to more personal income and savings for middle-class Americans. Consider these facts and ho...

Joe Biden says "I no savings account, but I have a great pension and a great salary."  For those of us who don't have a six figure pension backed by taxpayers, discover how to plan for the future in a way that keeps all the options on the table as long as possible.

The holiday shopping season is here again. Today we explore smart shopping tips (offline & online) integrated with The Perpetual Wealth Code™ to save you time and money.

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."

Being thankful is a powerful way to generate wealth that can never be replaced or taken away from you.

Special guest Layla Vanderslice joins Dr. Tom and John McFie sharing about Diversification.  Is it good or bad?  Why does Warren Buffet say diversification is for people who don't know what they're doing?  Are Mutual Funds diversified?  Is PWLI diversified?  Are there different types of diversification?  How does it all pan out in the end…especially if you need Long Term Care?

Do you want to payoff the mortgage on your house or have the money to pay it off? This is an emotional decision as well as a financial one. Listen with an open mind.

Bribery and conflicts of interest are rife in Politics, Media, and Money Management.  The recent fiduciary ruling by the Department of Labor seems to be an effort to correct some of the shenanigans, but it slaps good people as well as the bad guys.  Listen and discover why the fiduciary rule will end up hurting people with small to average size portfolios.  Is this ruling the result of another con...