Most people think life insurance is something you buy and forget. In this episode, Tamar Hermes sits down with Brock Fortner, founder of StoneCentury Financial, to explain why sophisticated investors use cash value whole life insurance as a wealth-building tool—one that can store capital, provide liquidity, and support long-term compounding.

They break down the difference between term and whole life, how policy loans work, why structure matters, and where whole life fits inside a bigger wealth plan alongside real estate and investing.

In this episode, we cover:

• Whole life vs term insurance (and why “buy term and invest the rest” misses key benefits for high earners)
• How cash value works (simple breakdown)
• How policy loans work and why borrowing “against” matters
• Using whole life as a stable warehouse for cash
• Why structure and expert guidance matter (avoiding mismatched products)
• How families use life insurance for generational planning

Connect with Brock
LinkedIn: www.linkedin.com/in/brockfortner

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Connect with Tamar Hermes

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LinkedIn: https://www.linkedin.com/in/tamarhermes/
Website: WomenGrowingWealth.com
Book: The Millionairess Mentality