LIFE WITH MIKEY25 Nov 2025

Watch Before You Buy Life Insurance

Buying life insurance the wrong way can cost you six figures and leave your family exposed. Russell Boring breaks down term vs whole, indexed universal life, infinite banking, and “tax free retirement” inside a policy. We cover caps, floors, surrender charges, loans, and the incentives that could push bad products.

Watch if you’ve been pitched: whole life, IUL, VUL, guaranteed UL, or infinite banking.

Key takeaways:• Permanent can fit when income is high, plans are maxed, and you’ll actively manage the policy.• Linear illustrations hide volatility and loan risks.• Estate planning can be the best use of life insurance.

Timestamps

0:00 Don’t buy before you hear this

3:12 Term vs whole explained simply

10:45 What “indexed” really credits

16:20 The illustration trap and tax bomb risk

24:30 Caps, floors, moving parts that change

31:50 Who infinite banking truly fits

39:25 Fees, structure, and surrender charges

46:10 Why insurance isn’t your financial quarterback

53:30 Action plan: protect first, then consider permanent

The content of this video (“Video”) and message is for informational purposes only, is not offered as investment advice and should not be deemed as investment advice, and reflects the opinions and projections of COMMUNE as of the date of publication, which are subject to change without notice at any time subsequent to the date of issue. COMMUNE does not represent or warrant that the information presented in this Video is accurate, current, or complete or that the estimates, opinions, projections or assumptions made in the Video will prove to be accurate or realized.

Certain statements reflect projections or expectations of future financial or economic performance of the project. Such “forward-looking” statements are based on various assumptions, which assumptions may not prove to be correct. Accordingly, there can be no assurance that such assumptions and statements will accurately predict future events or the project’s actual performance. Past performance is not an indication of future results.

Neither this message nor its contents should be construed as legal, tax, investment, or other advice. Individuals are urged to consult with their own tax, legal, and investment advisers before making any investment decision.

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