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You've been listening to the podcast. You've read Nelson Nash. You're sold on IBC. But now what? What actually happens when you reach out to an agency like Remnant Finance?

This episode is a behind-the-scenes look at our entire process—from the first intro call to policy delivery and years of ongoing service. We break down the three things you should look for in an advisor (and why only two of them are actually required), explain why we start underwriting before we've finalized your policy design, and get honest about what kind of client we work best with.

We also talk about what separates good IBC practitioners from agents who just have a license and a pitch. Spoiler: most people selling life insurance know less about it than you will after a few calls with us. That's not arrogance—our own company reps have told us that.

If you're evaluating whether to work with us or someone else, this episode gives you the full picture of what we do, how we do it, and why we do it that way.

Chapters:

• 00:00 – Opening segment

• 03:25 – The problem with "I can do IBC" advisors at big firms

• 06:30 – The three credentials: license, company contract, NNI certification

• 08:35 – Why getting a life license is dangerously easy

• 09:45 – Company selection: mutual companies and what makes them IBC-ready

• 10:45 – Captive vs. independent agents

• 13:05 – Why we work with two primary carriers

• 21:05 – What NNI certification actually involves

• 23:45 – Why insurance companies love NNI business (persistency)

• 28:05 – Our process starts: the intro call

• 31:00 – When IBC isn't the right fit (yet)

• 33:00 – Why we filter for worldview—and why that's actually good for you

• 36:45 – "If you have to drag them in, you'll have to drag them around"

• 37:15 – The intake form and application process

• 38:25 – Why we apply for more coverage than you might need

• 43:50 – How underwriting requirements work (the flow chart)

• 47:25 – Strategy calls while underwriting happens in the background

• 52:15 – Policy review: Loom walkthrough vs. live Zoom call

• 55:00 – Policy in force—now what?

• 56:45 – The range of ongoing service: hands-off to hands-on

• 59:00 – There's no industry requirement for ongoing service—ask your agent

• 1:04:45 – Closing thoughts and how to book a call

Key Takeaways:

• A license is just the first step. Getting a life license is easy—memorize a study guide, pay a fee, pass a test. It doesn't mean someone knows how to structure a policy for IBC.

• Company selection is critical. Only about 10-12 mutual companies can write policies the way Nelson Nash taught. Your agent needs a contract with one of them—and ideally understands the differences between them.

• Captive agents are limited. If your advisor works for a single company (like Northwestern Mutual), they can only offer that company's products. Independent brokers can match you with the carrier that fits your situation.

• NNI certification isn't required, but it matters. It's not a legal requirement to sell IBC-style policies, but it signals that an advisor has gone through specific training in Nelson Nash's methodology and stays connected to ongoing education.

• We start underwriting early—on purpose. The application process takes 4-6+ weeks. We submit it before finalizing your policy structure so the company is waiting on us, not the other way around. Think of it like a mortgage pre-approval.

• Education happens throughout. Expect 2-4+ calls before your policy is even issued. We want you to understand what you're buying, how it works, and how to use it. This should be the asset you understand the most.

Book a call: https://remnantfinance.com/calendar !

Email us at info@remnantfinance.com !

Visit https://remnantfinance.com for more information

FOLLOW REMNANT FINANCE

Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )

Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )

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This episode dives into the macroeconomic chaos of 2025. Hans breaks down the yen carry trade, quantitative easing, and why the 10-year Treasury isn't budging despite Fed rate cuts. Brian connects it back to what matters: how you position your family's finances when nobody knows what's coming next.

The tension is real. On one hand, the debasement trade says go long equities—they're going to keep printing money and asset prices will rise. On the other hand, forward P/E ratios are at 23x, historically correlated with flat or negative real returns over the next decade. And then there's AI—a real time Black Swan breaking every economic model we thought we understood.

Chapters:

• 00:00 – Opening segment

• 01:25 – 2025 macro overview: building resilience against all outcomes

• 05:05 – Fed rate divergence: Japan raising while the US cuts

• 06:55 – The yen carry trade explained

• 10:30 – Quantitative easing: how the Fed creates money through primary dealers

• 13:45 – The Cantillon effect and why Wall Street benefits first

• 15:15 – Congress is the root cause, not the Fed

• 17:05 – Why Austrian economists were partially wrong about 2008 QE

• 19:30 – Will this round of QE hit faster?

• 21:45 – The bond market is calling the Fed's bluff

• 25:45 – The case for growth assets in an inflationary environment

• 28:00 – Forward P/E at 23x: what the metric means

• 34:05 – How forward P/E correlates with 10-year returns

• 40:30 – Why you need both growth and guaranteed savings

• 42:00 – The dual paths of wealth: protection and growth

• 45:15 – The house fire story50:10 – AI as the wildcard disrupting all economic models

• 53:05 – The slow-motion Black Swan we're living through

• 56:45 – The 1994 email clip: we're there again with AI

• 59:00 – Closing segment

Key Takeaways:

• Two Narratives, One Strategy: The inflation/debasement trade says buy growth assets. Elevated P/E ratios say expect flat returns. Both are valid—which is why you need exposure to both growth and guarantees.

• The Fed Isn't the Root Problem: Congress can't stop spending. The Fed enables it by monetizing debt through quantitative easing. Until spending stops, money printing won't stop.

• The Bond Market Doesn't Believe the Fed: Rate cuts should lower mortgage rates. They haven't. The 10-year Treasury is rising because bond buyers are pricing in continued inflation and fiscal recklessness.

• Forward P/E Matters: At 23x, historical data shows a strong correlation with flat inflation-adjusted returns over the next decade. That's not a prediction—it's a data point worth considering.

• AI Changes Everything (Maybe): What took 30 years of internet development now happens in 12 months with AI. It could accelerate productivity beyond anything we've measured—or it could be a bubble. Nobody knows. Plan accordingly.

Book a call: https://remnantfinance.com/calendar !
The Fed just cut rates. Japan just raised theirs to a 30-year high. The bond market is calling the Fed's bluff. And Congress keeps maxing out credit cards while writing their own spending limit increases. What does this mean for your money—and how do you plan when the signals are screaming opposite things?

The Dual Paths of Wealth: You're always walking two roads—protection and growth. Whole life insurance designed for IBC lets you do both simultaneously: guaranteed savings you can leverage into growth assets without abandoning either path.

Many philosophers have contemplated the inevitability of death and taxes. But despite knowing both are coming, most people avoid planning for either until it's too late. What happens when you die without a proper estate plan? What's the difference between a will and a trust? And why does the government already have an estate plan for you—whether you like it or not?

This episode tackles estate planning head-on. Hans walks through the foundational concepts from his CLU coursework while Brian shares the painful reality of navigating Pennsylvania's probate system after losing his mother. The contrast is striking: life insurance proceeds arrived within a week, tax-free and hassle-free. Everything else? A year-long nightmare involving shyster attorneys, arbitrary timelines, and a state government eager to collect its pound of flesh.

The episode also addresses a critical oversight many families make: naming minor children as contingent beneficiaries on life insurance policies. Insurance companies cannot pay minors directly, which reintroduces the exact inefficiencies you were trying to avoid. One possible solution? Establish a trust and name it as your contingent beneficiary.

Chapters:

• 00:00 – Opening segment

• 02:00 – Why estate planning matters for everyone

• 03:30 – Brian's probate experience in Pennsylvania

• 07:30 – The one-year waiting period and attorney fees

• 11:45 – Life insurance: the easiest transfer by far

• 15:00 – Definition of estate planning: accumulate, manage, conserve, transfer

• 17:30 – Effective vs. efficient transfers explained

• 19:45 – The three places your assets can go

• 24:00 – Federal estate tax: 40% above the exemption

• 29:00 – The five-year thought exercise

• 37:00 – Minor children as beneficiaries: the hidden problem

• 43:30 – What would change if you had five years left?

• 54:00 – Heritage over inheritance: passing down more than money

• 59:05 - Closing Segment
  

Key Takeaways:

• You Already Have an Estate Plan: If you haven't created one, the government has a default plan for you—and it prioritizes creditors and bureaucratic process over your family's needs.

• A Will Is Not Enough: Wills direct the probate court on asset distribution, but assets still go through a lengthy, costly, public legal process. Trusts bypass probate entirely.

• Life Insurance Skips the Mess: Death benefits transfer directly to beneficiaries, tax-free, within days—no court involvement, no waiting periods, no attorney fees.

• Don't Name Minors as Beneficiaries: Insurance companies cannot pay children directly. Name a trust as your contingent beneficiary to maintain efficiency and control.

• The Five-Year Exercise Changes Everything: If you knew your exact death date, your priorities would shift immediately. Use that clarity now—maximize protection, spend time with family, stop deferring what matters.

• Estate Planning Is for the Living: Half of estate planning—accumulation and management—happens while you're alive. This isn't just about death; it's about building and protecting wealth today.

Visit https://remnantfinance.com for more information

FOLLOW REMNANT FINANCE

Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )

Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )

Twitter: @remnantfinance (https://x.com/remnantfinance )

TikTok: @RemnantFinance

Don't forget to hit LIKE and SUBSCRIBE

Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !