Pro Life Insurance– это частный образовательный проект в формате подкастинга. В котором мы вместе с приглашенными экспертами затрагиваем совершенно разные области нашей с Вами жизни: мы говорим о здоровье и образовании, пенсиях и путешествиях, сохранении капитала и инвестициях. С другой стороны, мы с моими коллегами будем делиться кейсами и расскажем, КАК защитить здоровье, накопить на образование детей, создать пенсионный капитал, ну, и так далее по темам!
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Life Insurance HQ The Podcast is focused on providing consumers and their advisors with information on all things life insurance. Listen as we discuss planning with life insurance for individuals, families, and business owners on a wide range of topics.
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Welcome.. life insurance explained. Stories and tips. Support this podcast: https://podcasters.spotify.com/pod/show/life22/support
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This station will bring perspective to the customer and the agent. From a Real street level practitioner. Support this podcast: https://podcasters.spotify.com/pod/show/midgard/support
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I help busy self-employed professionals and business owners who don’t have time to think about anything beyond growing their business. Through estate planning tools and strategies, I help them grow retained earnings tax-free, pass more wealth to the next generation, and protect their biggest asset – themselves, the key person of the business.
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Welcome to Fraud, Facts & Life Insurance with AgentVerified, where jaw-dropping stories of life insurance gone wrong meet real talk about how to protect yourself. Hosted by Betsy Barr and Javaughn Spencer of AgentVerified, each episode unpacks outrageous stories of fraud, deception, and financial foul play. We’ll also shine a light on verified, trustworthy agents who are doing it right - not every story has to end in scandal. With sharp commentary and behind-the-scenes insights, you'll walk ...
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Join Ms. Tomeka Kimbrough and her Guest as she talks all things insurance. You will enjoy her comedian, but realistic style and approach. She has over 20 years of experience and loves educating people about insurance. Her motto is “ We do not sell insurance, instead we educate our community and then assist them with an application; should they need insurance. Tune in to stay informed with information that may help you make better decisions about insurance.
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Ep 17: Church Group Insurance Fraud, Broken Promises & Debt-Free Life
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16:10โดย Betsy Barr and Javaughn Spencer, AgentVerified
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Ep 16: $600K Scam, Exploited Seniors & Final Wishes That Matter
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16:32A $600,000 scam. Exploited seniors. And a reminder that the right coverage and right agent can make all the difference. In this episode of Fraud, Facts & Life Insurance, Betsy and Javaughn reveal the case of an Alabama insurance agent who preyed on seniors, leaving families financially and emotionally devastated. They break down the red flags you m…
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Ep 15: $20K Fraud Case & Why a Tax-Free Retirement Beats a 401(k)
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18:42A life insurance manager. Stolen checks. And a second arrest that proves justice doesn’t quit. In this episode of Fraud, Facts & Life Insurance, Betsy and Javaughn share the story of a Mobile County insurance agent who thought he’d escaped the law after stealing more than $20,000. After a grand jury indictment and a bizarre mix-up at the DA’s offic…
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Ep 14: $100K Fraud Case & What You Must Know About Term Life Insurance
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17:59A trusted agent. Vulnerable seniors. And a devastating betrayal that shook a community. In this episode of Fraud, Facts & Life Insurance, Betsy and Javaughn review the case of a St. Petersburg insurance agent accused of defrauding elderly clients out of nearly $100,000. What started as a professional relationship took a disturbing turn as the agent…
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Ep 13: $500K Betrayal & The Truth About Mortgage Insurance
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23:03A longtime friend. A trusted community leader. And a fraud case that shattered lives. In this episode of Fraud, Facts & Life Insurance, Betsy and Javaughn examine the case of former agent and Chamber of Commerce treasurer Patsy Ritchey, sentenced to 28 years for stealing over half a million dollars from her own clients, friends, and even family. Li…
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Ep 12: $10K Scam, Final Expense Coverage & The No GoFundMe Campaign
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19:28A Polk County insurance agent admitted to faking policy documents—pocketing just $10,000 over six years. The outcome? A suspended prison sentence and an order to pay restitution. This week on Fraud, Facts & Life Insurance, Betsy and Javaughn expose why this “not even good at fraud” scheme serves as a cautionary tale for families and agents alike. Y…
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Ep 11: 33 Secret Policies, Altered Documents & “Insurance on Insurance”
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22:15A Florida woman secretly obtains 33 life insurance policies on 29 different people, making herself the beneficiary. In Iowa, an agent alters dates on documents to transfer funds without permission. This week on Fraud, Facts & Life Insurance, Betsy and Javaughn expose Joyce Small’s multi-million-dollar policy scheme and Christopher Childers’ forged …
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Ep 10: $2.9M Family Scheme, 700+ Fake Policies & the Right Way to Win
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36:20A family in Ohio takes insurance fraud to shocking levels by faking medical exams. In Florida, an agent allegedly fabricates 746 Aflac policies to rake in over $120K in commissions. This week on Fraud, Facts & Life Insurance, Betsy and Javaughn break down the Stevenson and Williams cases: how the scams unfolded, the red flags that could’ve stopped …
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Ep 09: Churned Annuities, a Maserati, and $122K Vanished
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35:29An agent scams seniors out of $1.5 million, then spends it on jewelry, real estate, and a Maserati. Another sets up fraudulent premium finance deals, hides policy info, and leaves one client holding the bag for over $1 million after Hurricane Ian. This week on Fraud, Facts & Life Insurance, Betsy and Javaughn talk about the cases of Shawn Heffernan…
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Ep 08: 11 Felonies, 9 Stolen Identities & $38K in Dirty Commissions
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32:38One agent steals $100K by faking investments and spends it on casino trips. Another writes $5 million in bogus policies using nine stolen identities. This week on Fraud, Facts & Life Insurance, Betsy and Javaughn go over the stories of Gautam Arora and James Jones, two former agents who turned trust into fraud. They also share wins from their own a…
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Ep 07: COVID PPP Scams, a Fraudulent Agency & Infinite Banking
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29:50One agent steals two identities to collect $100K in unearned commissions, then scams the government out of another $40K in PPP loans. Another opens a full-blown fake insurance agency and collects $38K in loans using stolen identities. This week on Fraud, Facts & Life Insurance, Betsy and Javaughn examine the cases of Seneca Birchmore and Francis Ok…
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Ep 06: $300K in Unearned Commissions & The 8-Year Fraud Spree
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33:16Two agents collect $300K in unearned commissions before they’re even licensed. A broker steals $180K in premiums, mostly from elderly clients, and keeps going even after her license is revoked. In this episode of Fraud, Facts & Life Insurance, Betsy and Javaughn examine the schemes of Kakande and Lutale’s fake applications and Karen Dondanville’s r…
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Ep 05: The $2M Client Betrayal & The Great Medical Exam Impersonation
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28:29A trusted agent steals millions. A family fakes a medical exam to cash in on a sick relative’s life insurance. In this episode of Fraud, Facts & Life Insurance, Betsy and Javaughn dive into a $2M fraud by a trusted advisor and a $2.9M scam involving a fake medical exam and a very unhealthy truth. Listen in as they expose how these scams got past th…
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Ep 04: Fictitious People Policies & The $10K Fake Document Scheme
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36:27An agent creates fake clients. Another forges documents to steal millions. In this episode of Fraud, Facts & Life Insurance, Betsy and Javaughn break down two alarming cases: one involving 13 fake applications tied to Globe Life, and another where over $10,000 was stolen through fake policy documents. Listen in as they explore how these frauds slip…
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Ep 01: How Fake Insurance Agents Are Scamming Families Out of Millions
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37:18When life insurance goes sideways, it’s rarely an accident. Welcome to Fraud, Facts & Life Insurance with AgentVerified, the podcast that shares shocking stories of life insurance gone wrong, as well as what you need to know to avoid getting burned. Expect sharp commentary, a few gasps, and advice that could save your future self from financial dis…
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Ep 02: Identity Theft, Elder Abuse, and the Fake $500K Policy
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49:40Some agents fake documents. Others fake entire identities. And sometimes, they just steal straight from grandma’s account. In this episode of Fraud, Facts & Life Insurance, hosts Betsy Barr and Javaughn Spencer address two outrageous fraud cases: one involving stolen agent identities and fake commissions, and another where an agent manipulated elde…
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Ep 03: $26M Chicago Scheme, Fake Deaths & The Debt-Free Life Policy
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43:39Fake death certificates. Luxury cars. Entire families running life insurance scams as their side hustle. In this episode of Fraud, Facts & Life Insurance, hosts Betsy Barr and Javaughn Spencer uncover the details behind a $26 million fraud case involving 23 people, and another where an agent used stolen identities to write fake policies and collect…
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Welcome to Fraud, Facts & Life Insurance with AgentVerified, the podcast that dives into the wild world of life insurance gone wrong. Every week, we peel back the curtain on real cases of financial chaos, and help you spot the red flags before it’s too late.โดย Betsy Barr and Javaughn Spencer, AgentVerified
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It has been a year since "The Life of the Insurance Lady" has been on her Podcast. She is back and taking about the "Health Care Subsidies" people are seeing being marketed. Listen to find out the truth of the matter, so of say. --- Send in a voice message: https://podcasters.spotify.com/pod/show/the-insurance-lady/message…
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Has 2022 been one of those years you're ready to forget about? Well, some things that happened are designed for you to decide, "What about next time". Will you keep what is causing you problems or let it go? The choice is yours and only yours. Please tune in to listen to how #theinsurancelady Tomeka has explored her Great Reveal in 2022. To find us…
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Earning a living to provide for your family is why you work every day. What would happen if you were not around to do all the things you do and make sure they could still afford their home, school costs, and future? Life insurance can help.โดย Hosted By: Jason Mericle
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Join @theinsurancelady each and every Friday as we story-tell our journey in this "Life of the Insurance Lady" Chronicles. --- Send in a voice message: https://podcasters.spotify.com/pod/show/the-insurance-lady/message
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Common Life Insurance Policy Riders
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25:25Life insurance policy riders are add-ons to a life insurance policy at issue. They can be added to any newly issued policy. What riders are available will vary by carrier, product, and state. Before adding a policy rider to your life insurance contract make sure you understand how the rider works, what requirements need to be met to use the rider, …
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2023 Federal Estate Tax Exemption and Annual Gifting Limits
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17:45Beginning in 2023, ultra-wealthy individuals and families can protect more assets from federal estate taxes with the increased lifetime exemption and annual gifting limits increasing. Learn more at mericleco.com.โดย Hosted By: Jason Mericle
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Indexed Universal Life Insurance Policy Loans and Multipliers
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21:47Indexed Universal Life Insurance policies have quickly become popular. There are a number of product designs and features that will ultimately impact policy performance. In this episode, we talk about how different multipliers and policy loans can affect how a policy will perform over time.โดย Hosted By: Jason Mericle
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What is Going on at John Hancock and Ohio National?
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22:07Join us as we discuss John Hancock and its recent crediting rate increase, along with the recent acquisition of Ohio National by Constellation Insurance Holdings, Inc. We will talk about how different factors can and will likely impact some policy owners.โดย Hosted By: Jason Mericle
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Overview - Split Dollar Life Insurance
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17:40A Split-Dollar Life Insurance Plan is a sophisticated strategy that can provide benefits to business owners, key employees, and families interested in minimizing gift tax for estate planning purposes. Click here to learn more about split dollar life insurance.โดย Hosted By: Jason Mericle
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Factors Impacting Life Insurance Policy Pricing
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24:08When you apply for life insurance you will typically go through an underwriting process. During this process, the carrier is taking into consideration a number of factors to determine your health class. Your health class, age, and gender are what ultimately determine the cost of coverage. Learn more at mericleco.com or email us at [email protected]…
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The Different Uses of Life Insurance
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22:01Life insurance is not a one size fits all product. There are many uses of life insurance from income replacement and estate planning to business protection. The use of life insurance is specific to your individual circumstances. This podcast reviews some of those uses and the type of policies available. To learn more please visit us at https://meri…
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Naming Your Life Insurance Beneficiary
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26:04When naming a life insurance beneficiary the policy owner should consider several factors ranging from individual circumstances affecting a beneficiary, creditor protection, and any income, estate, or gift tax implications that may arise. Learn more at mericleco.com.โดย Hosted By: Jason Mericle
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Long Term Care Insurance Planning with Life Insurance
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33:22Long-term care is care you may need if you are unable to perform activities of daily living (ADLs). Activities of Daily Living include eating, bathing, dressing, using the bathroom, or getting in and out of bed. The national average monthly cost in 2021 for home-based long-term care services is $5,148, while the average monthly cost of care in a nu…
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Estate Planning with Life Insurance: How to Protect Your Assets for High Net Worth Individuals
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26:28No one likes to think about their own death, much less plan for it. But if you have a high net worth, estate planning is something you shouldn't ignore. Without a solid estate plan in place, your loved ones could be faced with a significant tax bill upon your death. That's why it's so important to start planning now. One way to help protect your lo…
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What are the Different Types of Life Insurance Policies?
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29:14There are several types of different life insurance policies. Life insurance policies can be really simple or extremely complex. Much of this is a function of the type of policy and how it performs. A life insurance policy can be broken down into two broad types of life insurance categories – term life insurance and permanent life insurance. Learn …
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Planning for a Family Member with Special Needs
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29:07Families with special needs understand the unique challenges and joys that daily life brings. And they realize that special needs extend beyond the everyday. In this episode, we are going to discuss different planning tools that can be used to develop and implement a special needs strategy.โดย Hosted By: Jason Mericle
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The Benefits of an Irrevocable Life Insurance Trust (ILIT)
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21:41The purpose of an irrevocable life insurance trust or ILIT is to prevent life insurance death benefits from being subject to estate taxes. Life insurance owned by an irrevocable life insurance trust (ILIT) can be the easiest and most efficient way to pay estate taxes. Learn more at mericleco.com.โดย Hosted By: Jason Mericle
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Premium Financing Life Insurance
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35:47Premium financing life insurance is a strategy for high-net-worth families to borrow money to pay for large life insurance premiums. The policy owner (typically an irrevocable trust) borrows money from a third-party lender to make premium payments. Learn more about premium financing life insurance. The information in this podcast is not intended to…
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What is a Term Life Insurance Conversion?
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16:55A term life insurance conversion allows policy owners to convert their existing term coverage to a permanent policy without underwriting. The health class on the permanent policy will be based on your health class when the original term life insurance policy was issued. If you have had a change to your health and are interested in having coverage l…
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Understanding Universal Life Insurance
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25:32In this episode we discuss the different types of universal life insurance coverage to include Current Assumption Universal Life, No Lapse Guaranteed UL, Indexed Universal Life Insurance, and Variable Universal Life Insurance.โดย Hosted By: Jason Mericle
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If you are in good health and don't think you will need to use your life insurance policy. A no-medical Ontario life insurance policy may be a good option for you.โดย simgakhar
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If you are considering offering corporate owned life insurance Canada services to your employees, be sure to talk to an insurance agent to see what options are available and find the best fit for your company.โดย simgakhar
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If you are looking for the best life insurance Ontario policies, you may have come across policies that do not require a medical exam. These are called “no medical life insurance” policies.โดย simgakhar
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Recently we have had a number of inquiries regarding overfunding life insurance for purposes of accumulating additional income in future years. Using a permanent life insurance to create supplemental future income can be a great option for the right individual. In this episode, we discuss some of the key components that should be considered when de…
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Understanding the Role Life Insurance Plays with Buy Sell Planning
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30:52A buy-sell arrangement is an agreement between owners of a business to provide instructions as to how the business will be transferred upon the death, disability, or retirement of a shareholder. In this episode, we review some of the more common buy-sell agreements and how they are structured to include the different pros and cons of each. We also …
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Whole life insurance is a great way to protect your family's future and ensure they are taken care of financially if something happens to you. We've outlined all you need to know before getting whole life insurance Canada to ensure that you get the right policy for your needs.โดย simgakhar
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Universal life insurance is a category of permanent life insurance policy. It combines the features of both term and whole life policies, so it is sometimes referred to as a "hybrid" policy.โดย simgakhar
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Life Insurance 1035 Exchange
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18:34A life insurance 1035 Exchange can help existing permanent life insurance policy owners move their existing coverage to a new policy and preserve their cost basis and avoid paying ordinary income taxes on any policy gains. The benefits of a 1035 exchange can help policy owners reduce premiums, increase coverage amounts without additional costs, imp…
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Term life insurance Ontario is a good option for any resident in Ontario who wants to protect their loved ones financially in the event of their death Offical Website: https://www.simgakhar.com/โดย simgakhar
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There are a few reasons why you might need Ontario life insurance, To provide financial security for your loved ones in case something happens to you. Offical Website: https://www.simgakhar.com/ Click For More Information Related to Ontario Life Insurance: https://www.simgakhar.com/insurance/life-insurance/ Find Us On Google Map: https://g.page/Sim…
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When a company employs you, there is a good chance that your life is insured. This type of insurance policy is known as corporate life insurance, and it provides financial protection for your loved ones in the event of your death. Offical Website: https://www.simgakhar.com/ Click For More Information Related to Corporate Life Insurance: https://www…
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Layering Term Life Insurance for Family Protection
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14:38Your need for life insurance coverage over time will generally decline as income is earned, debt is paid off, and existing assets grow. Because of this the amount of life insurance coverage you need over time will generally decline. Layering different types of term life insurance coverage allows the insured to reduce their coverage over time based …
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