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Welcome to the weekly newsletter that reminds us that retirement is not the end of the road; it is the start of a new journey.

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💬 From Episode 93

Life Settlements Explained: Turning Life Insurance into Opportunity

Many retirees unknowingly walk away from life insurance policies without realizing they may still hold value. For women navigating retirement, widowhood, or major life changes, understanding every available option can make a meaningful difference.

In this episode, I talk with Lisa Rehburg, President of Rehburg Life Insurance Settlements, about how life insurance settlements work and why they are often misunderstood or overlooked. We explore when this strategy may be appropriate, how it fits into retirement planning, and why timing and education matter. Lisa also explains the legal foundation, tax considerations, and the role advisors play in helping clients make informed decisions.

This conversation is about awareness, asking better questions, and making thoughtful choices before letting a policy lapse or be surrendered.

Key Takeaways:

• Why many seniors let life insurance policies lapse and what may be missed
• How life insurance settlements work and when they may apply
• Legal foundations behind selling a life insurance policy
• Tax considerations and the importance of coordinating with professionals
• How this option may help fund retirement or long-term care needs
• And more!

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The Retirement Toolbox

👉 Common Life Insurance Policies​​​​​​​​​

With so many types of life insurance policies to choose from, it can be difficult to understand which policy is best suited for you. Furthermore, many people need help understanding what differentiates one life insurance policy from another. That’s where this guide steps in.

With this summary guide, you’ll be able to quickly navigate the life insurance space and have more intelligent conversations about whether a particular life insurance policy might fit (or currently fits) your financial situation and preferences. This summary guide covers some key components of life insurance policies, such as:

• The types of life insurance policies that are available and how they’re categorized.
• What specific types of life insurance policies can do, and who they might be most suitable for.
• The differences between types of policies with regard to their death benefit, cash value, and premiums.
• Important factors to consider regarding policy design, and how they affect cash value accumulation.
• The tax treatment of withdrawals and policy loans, and how they affect a policy’s cost basis.

Have more questions about retirement planning? Just hit reply to this email. I read and respond to every message. 😃

Keeping Retirement Simple,

Eric Blake, CFP®

​Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy.

All investing involves risk including loss of principal. Results will vary. Past performance is no indication of future results or success. Market conditions change continuously.

Information here is provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither Blake Wealth Management nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of Blake Wealth Management. They do not necessarily represent those of RFG Advisory, their employees, or their clients.

This commentary should not be regarded as a description of advisory services provided by Blake Wealth Management or RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice.

Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC ("RFG Advisory" or "RFG") a registered investment advisor. Blake Wealth Management and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place.

RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of RFG by the Commission, nor does it indicate that RFG or any associated investment advisory representative has attained a particular level of skill or ability.