Life Insurance Values Tutorial
(Todd Langford – 13m 22s)
(Todd Langford – 6m 29s)
How to use the Loan Analysis, for instance, in creating amortization schedules.
(Todd Langford – 10m 35s)
How to use the Qualified Plan Calculator to show the whole truth about what happens to money in a qualified plan, including taxes, fees, etc.
(Todd Langford – 10m 12s)
How to analyze investment returns on real estate, and an example of using life insurance to purchase an investment properity.
(Todd Langford – 9m 53s)
How to use the Funding Calculator to demonstrate strategies using life insurance.
(Todd Langford – 6m 25s)
How to use the Auto Calculator to compare paying cash for a car with borrowing for a car, showing how we either “pay up” or “pass up” interest costs.
(Todd Langford – 9m 43s)
Analyzing the impact of borrowing to fund vehicle purchases.
(Todd Langford – 9m 50s)
(Todd Langford – 11m 41s)
Proving that life insurance can provide an income volitility buffer to folks with stock accounts and also proving whether or not life insurance is a more supportive asset class to a portfolio than bonds or bond funds
Future Requirements Calculator
(Todd Langford – 9m 07s)
Maximum Potential Calculator
(Todd Langford – 4m 12s)
(Todd Langford – 13m 10s)
Cash Flow: Human Life Value
(Todd Langford – 6m 02s)
Tutorial 01 – Asset Flow Calculator –
Tutorial 02 – Asset Flow Calculator – Earned Inc – SS – 401k – Tax Story
Tutorial 03 – Asset Flow Calculator – Distribution Comparison
Tutorial 04 – Asset Flow Calculator – FIA Income Rider Story Tutorial
Tutorial 05 – Asset Flow Calculator – Tie in Multiple Accounts – Overall Summary
Tutorial 06 – Asset Flow Calculator – New Cash Flow Tab on the Summary
How to use Asset Flow in your practice.
Kim Butler & Gary Pinkerton
PRESENTATIONS by Todd Langford
Todd Debunks the Myths and Shows the Whole Truth About Life Insurance
Todd Breaks Down a Whole Life Policy
(Todd Langford – 1hr 5m)
Todd’s presentation at the Think Tank for advisors and agents, with many great examples.
3:01-10:00: Funding Calculator, comparing cash value with other investments
10:01-17:29: Conversation about Equity Indexed Universal Life
17:30-19:29: “Ned” movie clip
19:30-24:29: Investing at 6% with a Loan at 8%, and BETTER options!
24:30-26:59: Pizza Story – “Where does the dollar go?”
27:00-30:29: Truth and Statistics
30:30-45:29: Borrowing Strategies
45:30-1:01:29: Real Estate – Measuring Rate of Return on investment property.
1:01:30-1:04:00 Wrap Up.
There Are No Deals In the Insurance Industry
(Todd Langford – 41m)
Todd shares the truth about what life insurance really is and what it’s not.
0:00-2:04: Intro: There are no deals in the life insurance industry.
2:05-3:56: To Sell is Human by Daniel Pink suggests we ask: “compared to what?”
3:57-6:39: Numbers v. Real Life
06:40-14:39: Getting Clear that PUA’s are best continued if possible
14:40-23:59: Funding Calculator measuring the effectiveness of whole life “compared to…”
24:00-27:26: Page 65 from Nelson Nash’s Becoming your Own Banker book
27:27-35:54: Words are Important – Guarantees
35:55-40:24: Q/A covering IRR and Annual ROR
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