Hi Scott! Thanks again for today’s meeting—it was really helpful. You mentioned putting something together to illustrate the application-to-client and policy delivery process in one of our upcoming meetings. Is that scheduled for this Friday? I just want to make sure I don’t miss it, especially with Medicare season keeping us all so busy. Thanks again!

I’d love your insight on a client case we’re working on this week. We originally set her up with a Medicare health plan, which helped free up a bit of her monthly budget and created a small pocket of available money. That’s what started our deeper conversation about her overall financial situation. Here’s a quick snapshot: Femail, 56 y/o She has about $17,000 in a 401(k) from her previous job. She’s been out of work for about 18 months. She’s currently carrying around $8,000 in personal debt, mostly from helping her two adult children (in their late 20s and early 30s) get settled after relocating out of state. Her term life policy provides $500,000 in coverage and costs $117/month, bundled with her auto and home insurance. Because of disability benefits and a few mild health issues (thyroid and fatty liver, non-diabetic), she likely won’t qualify for new life coverage—but her husband, who is still working, may. Her heart is in the right place. Her goal was to give her kids a good financial start, ideally helping them invest and grow their money over time. Now, she wants to find a way to restructure her limited resources to create both stability for herself and a small inheritance for her children. Given this profile—limited but consistent assets, stable health, and a family focus— 👉 What would be the most strategic way to use her 401(k) and freed-up cash flow? I’m gathering all her financial details before Thursday’s meeting and would love your perspective before we put together recommendations.

Hey Scott, I have a 60 yr old who is pretty well of and is building as much as possible in her remaining work years. She said her 401k and ROTH contributions feel futile and so was wondering about IBC. When it comes to folks who have passed the 59.5 age mark and can access their retirement, what is a good way to explain to them how to leverage IBC and how it may be better than 401K and ROTHs?

Hi Scott, is a loan interest rate fixed for the life of the loan, or does it fluctuate? I know the actual interest rate fluctuates from year to year; just wondering about the life of a specific loan.

What is the ideal age range for IBC? How old can you go for a healthy client? For someone moderately healthy?