Integrating Life Insurance into Holistic Financial Plans

In this episode, Rory speaks with Keith Friedman, CEO and founder of FBO Strategies and creator of the Carbyne Allocation®, about why life insurance deserves a fresh look as part of holistic planning. Keith addresses common concerns that permanent insurance is too costly, rigid, or underperforming, and explains how policy design and communication can change those perceptions. He notes that when structured appropriately, life insurance can provide flexibility, liquidity, and even options to help cover long-term care costs. The conversation explores how modern policies go beyond the death benefit to offer access to cash value and serve as a stabilizing element during market volatility. Keith also shares his perspective on the importance of transparency in compensation and why education is key to shifting industry perceptions. Want to know how CPAs and advisors can use life insurance to strengthen holistic financial plans? Find out in this insightful conversation with Keith Friedman.