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Free cpe webinars
Understanding Human Capital and Using Life Insurance in Retirement


Cost $15.00
Presentation Length 1.0 hour

Recorded DateFebruary 21, 2022
CPE:Not available
(archived webinars do not offer CPE credits)
Subject AreaSpecialized Knowledge
Course LevelBasic
Course Description

In this course, Tom discusses the various types of life insurance as well as which policies are best for different planning scenarios. He covers Human Life Value and Human Capital, two very misunderstood concepts. He shares why people are so underinsured for life insurance and how much life insurance a person really should have. He shows the importance of life insurance for non-working spouses, children, and grandchildren. We will look at why life insurance is really a woman’s issue, not a man’s issue. Life insurance is a tax issue and a wealth transfer issue. He shows how to use life insurance to protect Social Security benefits and how to leverage charitable donations. This is a fast-paced, fact-driven presentation that you don’t want to miss!

Learning Objectives:

  • Differentiate the basic types of life insurance as well as the pros/cons of each

  • Determine how you calculate the value of a human life

  • Evaluate why people are underinsured and how much life insurance a person should have

  • Define what Human Capital is and how you protect it

  • Identify why non-working spouses, children, and grandchildren should have life insurance

  • Recognize what second-to-die life insurance is and how you use it

  • Express why life insurance is a woman’s issue, a tax issue, and a wealth transfer issue

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Dave Hall is a CPA, public speaker, webinar presenter, podcaster, retirement risk advisor, and all-around good guy. After graduating with his master’s degree in accounting from Southern Utah University, Dave moved to Las Vegas expecting to die there as a tax accountant. It was going great until he realized he had a greater passion for helping people get safely through retirement than he did for helping them get safely away from the IRS.

To follow his dreams, Dave left his role as managing partner of the accounting firm that he helped build into one of the largest in the history of Las Vegas. Eventually, he moved to Puerto Rico where he began piecing together what would allow him to share his knowledge on what it takes to get to a tax-free and risk-free retirement with thousands of people, just like you.

Dave now lives in Tennessee and spends most of his time educating CPAs and EAs on various retirement topics.

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Tom Hegna
(855) 866-4346


Tom Hegna CLU, ChFC, CASL, is an author, speaker, and economist. He has been a top-rated industry speaker for many years and is considered by many to be THE Retirement Income Expert! As a former Senior Executive Officer at New York Life, retired Lieutenant Colonel, and economist,

Tom has delivered over 5,000 seminars, helping Baby Boomers and seniors retire the “optimal” way. He specializes in creating simple and powerful retirement solutions based on math and science – not opinions. He has the unique ability to pump up a crowd, make people laugh, and solve complex financial problems using easy-to-understand words, ideas, and stories.

About Our Presenter

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Retirement Risk Advisors is a retirement education company that is quickly becoming a top brand in the industry. Dave Hall, CPA started the company in 2019, with one course. Since that time, the company has continued to expand their offerings to include multiple courses, a podcast, weekly live events, and a risk-free retirement club. If you are looking for high quality, up-to-date, retirement education and planning you have come to the right place.