Confirmation Bias and Artificial Intelligence Influence
Confirmation Bias and Artificial Intelligence Influence Written by Michael Henry, CRC3 minute read Confirmation Bias, AI, and the Risk of Hearing Only What We Want to Hear Most people worry about misinformation. A less obvious problem is often much harder to spot: information that supports what we already believe. Human beings naturally seek […]
IUL for Retirement: How Floors and Caps Impact Long-Term Growth
IUL for Retirement: How Floors and Caps Impact Long-Term Growth Written by Michael Henry, CRC3 minute read Why Floors and Caps Matter in an IUL Retirement Strategy When evaluating an IUL for retirement, few policy features have a greater impact on long-term results than the floor and the cap. These two components determine […]
Does Infinite Banking Actually Work for California Households in 2026?
Does Infinite Banking Actually Work for California Households in 2026? Written by Michael Henry, CRC3 minute read If you’ve researched Infinite Banking, you’ve probably seen it described as a way to “be your own banker.” While that phrase gets attention, the actual strategy is much simpler. Infinite Banking is a financial strategy that uses the […]
How This Real Estate Investor Improved Financial Liquidity
A real estate investor with significant wealth tied up in property explored cash value life insurance strategies designed to improve liquidity, flexibility, and long-term planning opportunities.
Pacific Life Responds to Kyle Busch Lawsuit
Update on the Kyle Busch Lawsuit and Why It Matters for Policyholders The Kyle Busch lawsuit against Pacific Life centers on several Indexed Universal Life policies the Busches say were misrepresented as secure, low‑risk retirement vehicles. Their complaint alleges significant losses after paying millions in premiums, while Pacific Life’s recent response argues the couple misunderstood […]
Why Your Work Life Insurance Might Not Be Enough
Work Life Insurance vs Private Insurance: What Families Need to Know Many people assume their work life insurance is enough. But here’s the truth: employer coverage often leaves families exposed. It may sound reassuring, but when tragedy strikes, work life insurance rarely provides the lasting protection your loved ones need. Executive Summary Employer coverage is […]
The Rise of the IUL Refund Pitch: What Clients Need to Know
From TikTok to Training Rooms: Why The IUL Refund Pitch is Misleading and Unprofessional A new narrative is sweeping through the insurance industry: the so‑called “IUL Refund Pitch.” Agents across TikTok, Instagram, and other platforms are posting viral videos about Indexed Universal Life insurance. Many of those videos label IULs as scams and urge clients […]
Busch vs Pacific Life Lawsuit Moves to Federal Court
Why the Busch vs Pacific Life Case Matters for Retirement Planning and Investor Protection The Busch vs Pacific Life lawsuit has escalated into the federal court system, marking a pivotal moment for Indexed Universal Life (IUL) policies and the broader financial services industry. What began as a state‑level dispute is now a nationally visible case […]
What Are Surrender Fees in an IUL?
Surrender Fees in an IUL and Why They Matter When people first hear the term surrender fee, it often sounds like a hidden trap. In reality, surrender fees are a standard feature of permanent life insurance policies, including Indexed Universal Life (IUL). They exist to protect the integrity of the policy and discourage short‑term use […]
Is the IUL a Scam or a Smart Strategy?
Is the IUL a Scam? Here’s the Truth Indexed Universal Life policies often spark massive debates. Some advisors go as far as asking is the IUL a scam, pointing to surrender fees, rising insurance costs, or complicated indexing strategies. Others mislabel the product as an investment account or a full-service retirement plan, which only adds […]