In this episode, The Annuity Man and Bill Black discuss:  The predictability of death  Long-term care rider  Beating life insurance with investing Being wary of "tax-free income"   Key Takeaways:  Death is predictably imminent. We'll never know when we'll pass or if we'll be needing long-term care somewhere along with our life. That's why it's best to get a life insurance policy with a long-term care benefit rider.  Getting standalone long-term care is not as good as getting it as a rider for an insurance policy. As a rider, the 1%, 2%, or 3% benefit can be turned on or off as needed, which means you've got a lot of choice in the matter and that the money won't disappear in case you don't get to use it.  If you want to beat life insurance with investing, you'd need to earn 10% of your money every year for the next 30 years. If you can do that, you should be running a hedge fund.  When looking at high cash value policies, don't fall for "tax-free income"; it's actually a loan.    "There are no silver bullets - there's nothing out there that's always the right answer, or never the right answer." —  Bill Black.   Connect with Bill Black: Website: http://www.whbco.com/  LinkedIn: https://www.linkedin.com/in/whblack/    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: [email protected]  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today - https://www.stantheannuityman.com/annuity-calculator! 

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