Do you want to know more about when cash value or permanent life insurance might be right for you

and also learn what to look out for when getting sold such types of insurance?

If so, you're in for a treat because I'll be talking about these things with special guest Kevin Lau

in this, the 77th episode of the Retirement Planning Education Podcast.

Welcome to the Retirement Planning Education Podcast, where you can learn all about IRAs and Roth IRAs, employer retirement plans, taxes, Social Security, Medicare, portfolio withdrawal strategies, annuities, estate planning, and much more.

And now here's your host, Andy Panko.

All right, everyone. Thank you, as always, for listening. We got a special treat for you today.

Also, first time doing this process where I am recording with someone else with me. I have

Kevin Lau. Hi, Kevin. Andy, how you doing? I'm super. Thanks for, thanks for coming on. So,

so Kevin Lau is the owner of Imagine Financial Security based out of Jacksonville, Florida.

He has a few different, experience in a few different places, large, large companies that really

help the discussion of today's topic, which we want to get into insurance, namely life insurance,

and it would be twofold. One is understanding when it makes sense, what type's good, what type

isn't for you and your particular needs, and then also kind of what to look out for in the sales

process and the pitch because unfortunately for

as valuable and beneficial as insurance products are, they are often not sold in the best of

ways or such as my experience. So I thought Kevin would be a great guest to have because he's lived

at both sides from working at one of the big places, insurance places, to a couple of them,

to now being his own independent fee-only firm where he does not directly sell insurance,

but thoroughly understands it and realizes the importance of it and can present it well

and analyze it well for folks who really need it to help them figure out what is the best

insurance for them. So Kevin, hope I frame that out well for folks who really needed to help them figure out what is the best insurance

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