Retirement and Life Insurance Expert explains why this may be the best environment in 80+ years to own whole life insurance. In this interview, Caleb Guilliams and PhD in Retirement Income Planning, Tom Wall, break down whole life vs IUL as a fixed-income/bond alternative, and why guarantees, volatility, taxes, and behavior matter more than chasing a few extra basis points of return. They also walk through how to think about internal rate of return (IRR), death benefit, chronic illness riders, and tax-free access to cash value as part of a holistic portfolio, not a stand-alone asset.
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00:00 Introduction
01:09 Key Topics
02:18 Dividend Season
04:21 Safe Asset and Fixed Income Alternative
05:54 Whole Life Insurance as an Asset Class
07:55 Guarantees of Whole Life Insurance
09:35 Whole Life Insurance Benefits
11:48 Misconceptions of Permanent Life Insurance
19:15 The Kyle Busch IUL Deal
22:38 Whole Life vs. IUL
26:27 "Tax-Free Retirement Income"
31:10 Tom Wall's Fast Start Forum Event
32:25 Future Predictions and Industry Black Eye
34:41 Life Insurance Internal Value Calculator
48:18 Risk-Adjusted Return and Value of Life Insurance
50:50 Better Wealth Policy Analysis and Contact
54:33 Tom Wall's Speaking Engagements and Whole Life Masterminds
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*This video is for entertainment purposes only and is not financial or legal advice.
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