In this episode of the Life Matters Podcast, host Bill Bell, Vice President of Advanced Sales at Penn Mutual, is joined by Jason O’Dell, Managing Partner, and Carole Foos, Chief Financial Officer of OJM Group (now part of Earned), to explore why physicians are one of the most underserved client segments and how financial professionals can work with them more effectively.

You’ll hear practical insights on:

• Why doctors can feel intimidating to work with and how to overcome common challenges
• How an education-first approach helps attract and retain the right physician clients
• How healthcare consolidation impacts both practice and personal planning
• Balancing student loan debt, retirement savings, and long-term financial goals
• Where life insurance fits, from protection and tax-efficient income to asset protection and business planning

Have a question or comment for Bill? Drop him an email at: LifeMatters@PennMutual.com

Follow Us Facebook: https://www.facebook.com/PennMutual/

Instagram: https://www.instagram.com/PennMutual/

LinkedIn: https://www.linkedin.com/company/penn-mutual/

Presented by Penn Mutual: https://www.pennmutual.com/

This podcast is for informational purposes. Guests’ views, comments, and opinions on products, services, or strategies do not necessarily represent the views of or imply endorsement by The Penn Mutual Life Insurance Company or its affiliates. Product availability, benefits and provisions vary by state.

For federal income tax purposes, life insurance death benefits generally pay income tax-free to beneficiaries pursuant to IRC Sec. 101(a)(1). In certain situations, however, life insurance death benefits may be partially or wholly taxable. Situations include, but are not limited to: the transfer of a life insurance policy for valuable consideration unless the transfer qualifies for an exception under IRC Sec. 101(a)(2)(i.e. the transfer-for-value rule); arrangements that lack an insurable interest based on state law; and an employer-owned policy unless the policy qualifies for an exception under IRC Sec. 101(j).

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In this special year-end episode of the Life Matters Podcast, Bill Bell and co-host Jenna Washatka look back at their favorite moments of 2025, the topmost listened to episodes of 2025, and celebrate the show’s 25th episode milestone.

You’ll hear highlights from the year’s most valuable conversations, including:

• What the Accelerated MultiLife Platform (AMP) means for executive benefits and multilife market
• Essential insights on special needs planning, tax reform, and H.R. 1
• When Management Services Organizations (MSOs) make sense for business owners and where life insurance fits
• Modern estate and advanced planning strategies

Whether you focus on business owners, special needs families, or high-net-worth estate planning, this recap is packed with advanced sales insights you can use in client conversations right away.

Have a question or comment for Bill? Drop him an email at: LifeMatters@PennMutual.com

Follow Us Facebook: https://www.facebook.com/PennMutual/

Instagram: https://www.instagram.com/PennMutual/

LinkedIn: https://www.linkedin.com/company/penn-mutual/

Presented by Penn Mutual: https://www.pennmutual.com/

This podcast is for informational purposes. Guests’ views, comments, and opinions on products, services, or strategies do not necessarily represent the views of or imply endorsement by The Penn Mutual Life Insurance Company or its affiliates. Product availability, benefits and provisions vary by state.

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In this special episode of Life Matters Podcast, hosts Bill Bell, VP of Advanced Sales, and Jenna Washatka, Director of Advanced Sales, bring together the entire Penn Mutual Advanced Sales team for a unique financial professional driven conversation built mostly from questions submitted by financial professionals across the country.

Joining the discussion are Lindsay Cigler, Amy Bryant, George Bradley, Jay Perlman, and Bruce Guillemette, Directors of Advanced Sales, as they tackle the most timely and technical topics shaping today’s advanced planning landscape. From the effects of new legislation to evolving executive benefit strategies and emerging market opportunities in 2026, this roundtable offers expert perspectives from every angle.

Key Takeaways:

• How the Triple B and interest rate changes are influencing the advanced planning marketplace
• Why income tax and estate planning remain crucial for the middle affluent
• The evolving role of executive benefits, Restricted Executive Bonus Arrangements (REBAs), and premium financing in business-owner planning
• The story behind “Life Insurance as an Alternate Asset” and how it’s changing client conversations

Whether you’re a financial professional, or industry partner, this episode delivers expert insight and practical strategies straight from Penn Mutual’s Advanced Sales team.

Have a question or comment for Bill? Drop him an email at: LifeMatters@PennMutual.com

Follow Us Facebook: https://www.facebook.com/PennMutual/

Instagram: https://www.instagram.com/PennMutual/

LinkedIn: https://www.linkedin.com/company/penn-mutual/

Presented by Penn Mutual: https://www.pennmutual.com/

This podcast is for informational purposes. Guests’ views, comments, and opinions on products, services, or strategies do not necessarily represent the views of or imply endorsement by The Penn Mutual Life Insurance Company or its affiliates. Product availability, benefits and provisions vary by state.

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