The Pienza Blog
Clear answers to the questions we hear most — written to help you protect your income, retirement, and legacy.
Life Insurance Policy Review: What to Check Before You Keep, Convert, or Replace
An in-force review: keep, convert, or replace. We'll check illustration, beneficiaries, remaining term, conversion, loans, and whether a new exam would help.
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Term vs Permanent Life Insurance: Which Chassis Fits the Job
Both term and permanent life insurance can protect the people who depend on you. Term is usually the cheapest way to cover a defined job.
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Infinite Banking Explained: What It Is and How It Works
Infinite banking uses participating whole life as a financing system — not a bank account. How it works, who it fits, and what to watch for.
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Whole Life Policy Loans: How Borrowing Against Life Insurance Works
How whole life policy loans work: you borrow from the carrier against cash value, not a withdrawal. Interest, taxes, and who should use one.
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SBA Loan Life Insurance: What Lenders Actually Require
SBA lenders often require life insurance before closing. Here is when it truly applies, how much coverage you need, and why term insurance is usually enough.
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How Much Life Insurance Do You Actually Need in 2026?
A simple framework to size your coverage without overpaying — and the one mistake most families make.
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Annuities Explained: Income You Can’t Outlive
An annuity can turn a slice of savings into a paycheck you can't outlive. We'll map the essentials gap so must-pay bills are covered for life.
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Using Life Insurance in Your Estate Plan
Life insurance in an estate plan is usually one of three jobs: liquidity, equalization, or replacement. We'll size the policy, not draft the trust.
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The 3 Tax Buckets: More Retirement Income, Less Tax
Why spreading your savings across tax-free, tax-deferred, and taxable accounts can leave you with more money in retirement.
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