Understanding the Life Insurance Death Benefit – Episode 252

Most people don’t talk about the life insurance death benefit because they don’t understand the 5 strategies of how to use it. Kim Butler talks about these different strategies along with a different approach to spending your assets when you approach retirement age.


Tune in with Kim D. H. Butler and Spencer Shaw to find out how to take control of your finances today. Do you have a question you would like answered on the show? Please send it to us at and we may answer it in an upcoming episode.

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Why It’s Good for Life Insurance Companies to Make a Profit – Episode 250

The news would tell you that it’s bad for corporations to be profitable, but is that the truth? In this episode Kim and Spencer talk about why life insurance companies have been around for centuries and why it’s beneficial for you. You’ll also hear about the dangers of having a universal life insurance policy and how that could have an effect on your future.

Tune in with Kim D. H. Butler and Spencer Shaw to find out how to take control of your finances today. Do you have a question you would like answered on the show? Please send it to us at and we may answer it in an upcoming episode.

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Weatherproof Wealth: How to Invest in Uncertain Times

“Maturity is the capacity to endure uncertainty.”
—John Finley

Leaks. Lawsuits. Continuing questions about Russia. Political unrest and FBI dramas. A media that has become both the attacker and the attacked. Conflicts of interest, ideologies, and personalities. Salacious stories to distract us from threats of WW3. Financial Planning without investment management. Citizens weary of increasing political polarization, terrorist attacks, school violence, endless conflicts in the Middle East, and bad news.

These are uncertain times. Regardless of which side of the political aisle you are on, you probably agree that we’re on a wild ride. And it seems to be far from over. Increasingly, we we see signs of the uncertain times in economic indicators, including the stock market.

Stocks are up, up, up! Then down with a thud. Wait… no, up again!? 

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Questions to Consider AFTER You Apply for Life Insurance

“The art and science of asking questions is the source of all knowledge.”
—Thomas Berger

A few weeks ago, we published an article, “Essential Questions to Ask BEFORE You Apply for Life Insurance” that gave guidance on:

  • choosing life insurance companies
  • evaluating types of insurance
  • policy time frames
  • avoiding common mistakes, and pitfalls, and more.

We received an excellent response to the article, and today, we continue the conversation to discuss the questions and decisions that come into play during the application process. These questions are relevant to whole life insurance and may not apply to other types of life insurance, especially types with little or no cash value, or life insurance that does not guarantee the death benefit permanently. How will you know? Ask the questions!

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Should You Exchange Your Life Insurance Policy for a New One?

“The grass isn’t always greener on the other side.”
—Ricky Gervais

There is a concerning movement now in our industry, in which some insurance agents and financial advisors are contacting policyholders (both their past clients and people they have not worked with before) and trying to talk them into “exchanging” their life insurance policy. This question of whether or not to exchange an older (usually Whole Life) policy for a newer (usually Indexed Universal Life) policy has come up with several clients lately, so I wanted to address it here for all our readers.

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Single Premium Whole Life: The Pros and Cons of a MEC

“Pay cash up front or make easy monthly payments?” When it comes to homes, cars, cell phones and other purchases, oftentimes, people choose payments. And so it is with life insurance; making “payments” in the form of long-term premiums is the common way to create and build a life insurance asset.

And yet, for those who are able… “One and done” has its appeal! Some people just LOVE the idea of being able to make ONE big life insurance payment and be done with it forever.

There are many pros and cons to consider when evaluating single premium whole life. We find that some clients choose something different after we help them consider multiple options, but it can be a good fit for others.

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