I see many of you struggling to wrap your head around cash value life insurance and figuring out how to fund these accounts long term. In this email I wanted to focus on the fundamentals that I personally have in place before I even have a conversation with any insurance agent. These fundamentals help me come to the table prepared when talking to an insurance agent so I can tell him or her exactly what I want. Often times when talking to an agent the conversation is typically around the design of the policy, pros and cons, etc which is very important. At the same time it would be wise for you the client to come prepared and competent when speaking to an agent. Remember most insurance agents are not financial coaches/consultants or advisors so the agents job is to make sure you are insured and fully understand the product you are purchasing. They are not typically going to provide financial coaching to you to make the best decision. I recommend if you have a financial...