Show about term or whole life insurance.

So life insurance.

I already feel the controversy stirring in the air right now.

Well, I also felt like I had to kick the energy up because life insurance is kind of like,

more big insurance.

It's not big.

It's sad to talk about it.

But it is going to be something that I think will get a lot of dialogue and a lot of comments on.

Because not only is the world of insurance changing,

just the world in general, the financial world is moving so fast.

And we're recording this show in 2018.

We just had brand new tax reform.

And one of the biggest components of that tax reform was the state exemption went from $5.5 million to $11 million.

So think about that.

A couple now could have $22 million in assets before they have a state taxes.

I got to tell you, that umbrella is pretty big that most people don't have a state tax issues anymore.

Whereas when I first started managing assets and doing financial planning, the number was in the 600.

So if you, you know, $600,000 range, you had a house and a retirement, a 401k or an IRA, you probably had an estate issue.

So it was very easy to say, well, if you want to fix that and you want to fix that immediately, go buy some life insurance.

Well, also life insurance is not only about a state planning.

It's more about replacing income and funding goals because let's face it, the big thing you're worried about if you left this planet tomorrow,

you got hit by that proverbial bus on Tuesday, right?

...