PropHog
University
Your complete agent training library — from core products to advanced financial strategies. Master every conversation. Serve every client.
Your Foundation for
Professional Excellence
PropHog University is your complete training resource — covering core products, advanced retirement and estate strategies, and the advisor frameworks that turn knowledge into confident client conversations. Ten courses, built to take you from concept to field-ready.
Start with the Core Products section and build your foundation before advancing to the Strategy courses. Each course is self-paced — return anytime to refresh or prepare for a specific client situation. Where available, choose your preferred learning style: deep-read textbook, slide deck, or video summary.
Ten Courses. A Complete
Professional Curriculum.
Select any course to begin. Where multiple formats are available, choose the learning style that fits your moment.
Whole Life Insurance
The cornerstone of permanent protection. Learn how whole life builds guaranteed cash value, provides lifelong coverage, and serves as a powerful legacy and wealth-building tool for clients at every stage of life.
Term Life Insurance
The most straightforward form of life protection — and often the first conversation with new clients. Master how to present term coverage, explain term lengths, underwriting, conversion strategy, and position it as part of a complete financial plan.
Indexed Universal Life (IUL)
A flexible, growth-oriented permanent product that links cash value to a market index without direct market risk. Master the cap, floor, and crediting levers — and how IUL delivers tax-free retirement income that doesn’t show up on a 1099.
Annuities
The retirement income specialist’s essential tool. Explore fixed, variable, and indexed annuities — how they accumulate value, generate guaranteed income, and solve the client’s deepest fear: outliving their money.
Final Expense Insurance
One of the most impactful conversations in financial services. Learn how to approach final expense with compassion and clarity, explain simplified underwriting, and help families protect their loved ones from the burden of end-of-life costs. A high-demand product with a warm, referral-rich market.
Infinite Banking
Stop sending interest to a bank — and start being your own bank. A plain-English guide to using whole life insurance as a personal banking system: borrow against cash value, keep your money compounding uninterrupted, and recapture the interest that has been going to banks your entire life.
Retirement Income Planning
Help clients build guaranteed, tax-efficient income they can never outlive. Master the 4% rule, the 401(k) tax time bomb, how to “divorce the IRS,” and how annuities, IULs, and whole life work together to create a pension-like income stream for life.
Trust & Estate Planning
A will is a one-way ticket to probate — a fully funded trust bypasses it entirely. Learn how to protect clients from probate, use trusts to control distributions to heirs, and leverage whole life insurance as a powerful estate amplification and wealth transfer tool.
Fact-Finding for Trust & Estate Planning
A complete agent’s guide to uncovering your clients’ planning gaps and guiding them toward the protection their families deserve. Designed to help agents navigate through the discovery process — asking the right questions, identifying probate exposure, explaining the five options clearly, and building trust through every conversation.
The Financial House — Needs Analysis & Fact Finder
The framework that ties your entire practice together. The Financial House is a visual discovery system for understanding every dimension of a client’s financial life — their protection gaps, debts, obligations, retirement picture, and estate plan. Master this and every first appointment becomes a structured, confident, client-centered conversation.
Financial House — Step by Step
A guided, step-by-step walkthrough of the Financial House discovery process — each question paired with a full explanation of why it matters, what it reveals, and how to use the answer in your recommendation.
Financial House — Client Worksheet
The interactive fact-finder and report generator for client appointments. Enter data across all four layers of the Financial House and generate a professional presentation with personalized gap analysis and prioritized next steps.
Estate Planning Fact-Finder Guide
Use this in every appointment where trust and estate planning is part of the conversation. A complete discovery framework — the right questions, in the right order, with the educational context your client needs to understand their gaps and take action.
A centralized hub that gives licensed agents instant one-click access to every approved carrier partner. Cards are organized by product category — Life Insurance, Annuities, and Final Expense — so agents can quickly filter to the right carrier and jump directly to the agent portal without hunting for bookmarks or URLs mid-appointment.
Instant access to every approved carrier partner — organized by product category so you can filter to Life Insurance, Annuities, or Final Expense and land directly on the carrier’s agent portal in one click. No more searching for bookmarks or portal URLs mid-appointment.
Real-world cases that every licensed agent should understand. Not just what happened — but what it means for how you practice, how you protect your clients, and how you protect your career.
The Kyle Busch Lawsuit: What Every IUL Agent Must Learn
NASCAR Champion Kyle Busch and his wife alleged an $8.5 million loss after purchasing life insurance policies marketed as safe retirement plans. The case settled. The IUL was not the problem — the agent’s conduct was. Eight specific violations, a policy designed to maximize commissions, and a carrier whose own executives were in the email threads. Here is exactly what went wrong, and how you protect your clients and your career.
The Allianz & Indexed Product Settlements: The Systemic Sales Problem
This is not one bad agent. This is an industry-wide pattern that triggered federal class actions, 44-state regulatory enforcement, and $260M+ in settlements — and directly produced AG 49. Every agent selling indexed products today operates inside a regulatory framework shaped by these cases.
The Neasham Case: You Can Sell a Perfect Product and Still Face Criminal Charges
The annuity was state-approved. No misrepresentation. The client came to him voluntarily. Neasham was still convicted of felony theft, jailed, lost his license, and lost his home before his conviction was overturned. This is the most important suitability case in the insurance industry — not about what he did wrong, but about what “suitability” actually means when your client is elderly.
Annuity Churning & Switching: The FINRA Enforcement Pattern Every Agent Must Know
Agents barred. Firms expelled. Clients hit with surrender charges they never knew they were paying. Annuity switching is one of FINRA’s highest enforcement priorities. The product was usually fine. The pattern of replacing it — over and over — was the violation. If you replace policies without a clear, documented client benefit, it is a lawsuit waiting to happen.
How to Use This Library
Ten courses, three advisor tools, a carrier portal, and a growing library of case studies — one complete curriculum. Work through the courses in order for the deepest understanding, then use the Advisor Tools and Carrier Portal at every client appointment. Case Studies are required reading for any agent selling complex products.
Start with Core Products (01–05)
Whole Life and Term first. Then IUL, Annuities, and Final Expense. Build product knowledge before strategy.
Advance to Strategy Courses (06–09)
Retirement Income Planning and Trust & Estate open bigger conversations. Study the Fact-Finding companion alongside Course 07 for maximum field readiness.
Use the Advisor Tools & Carrier Portal at Every Appointment
The Financial House tools guide every discovery conversation. The Carrier Portal puts every approved carrier one click away — no hunting for portal URLs mid-appointment.
Read the Case Studies — Especially Before IUL Appointments
The Kyle Busch case is required reading for every IUL agent. Real-world cases protect you, protect your clients, and make you a more credible professional in every conversation.