Brad Cummins
Founder & Editorial Lead, Insurance Geek
“Insurance decisions can be complicated. My job is to help people understand how the pieces fit together so they can make informed choices—grounded in real policy mechanics and carrier guidelines, not marketing illustrations.”
About Brad Cummins
Early Career
Brad built a scratch Farmers Insurance agency to a million-dollar book of business and sold it—his first six years in the industry.
Current
Brad is the founder of Insurance Geek, operating at Top of the Table–level production by MDRT benchmarks, reflecting enterprise-scale life insurance premium across a multi-carrier platform. Licensed since 2004 across all 50 states, he brings over 21 years of experience structuring advanced life and IUL strategies for clients ranging from modest monthly contributors to high-income earners funding six figures annually—grounded in issued, carrier-verified production, not theory. He founded Insurance Geek to give consumers access to 30+ A-rated carriers and underwriting-driven guidance designed for real-world decision-making, not marketing illustrations. Over his career he has structured thousands of life insurance policies, working directly with carrier underwriting teams and case managers nationwide. His experience spans advanced life insurance design, IUL policy structuring, and annuities—informed by actual policy issuance and real underwriting outcomes.
Built
Brad built Fat Agent, the all-in-one insurance CRM and AMS that powers Insurance Geek's quote engine and agency tools—including real policy illustrations and carrier comparisons.
Education
Brad graduated from The Ohio State University and has pursued ongoing education through The American College of Financial Services. He serves as the primary author and editorial lead for Insurance Geek's educational content.
Articles by Brad Cummins
Buy, Borrow, Die Strategy
The buy, borrow, die strategy lets you access wealth tax-free in retirement and pass it to heirs without triggering capital gains. Here's how it works — and the insurance version built for regular people.
May 14th, 2026
FIA Rates (May 2026)
FIA rates come in three forms: cap rates (up to 10.50% in May 2026), participation rates (60%–90% S&P 500 or 150%–460% on proprietary indices), and fixed account rates (4.15%–5.00%). Here's how each works.
May 4th, 2026
Top MYGA Rates
See current MYGA guaranteed rates by term, carrier, and minimum premium band. Effective May 2026 — compare multi-year guarantees before you quote.
May 4th, 2026
Annuity Rates
May 2026: top MYGA rates reach 6.30%, SPIA payouts up to $1,696/month on $250K at 65, FIA caps 8–10%. Compare all types from 30+ A-rated carriers.
May 4th, 2026
SPIA Rates
May 2026 SPIA snapshot: top monthly payouts for 5-, 7-, and 10-year period certain at $100k–$1M. Compare top five carriers by income. Independent licensed agents.
May 4th, 2026
Annuity Payout Options
Learn the six annuity payout options — life only, period certain, joint and survivor, lump sum, systematic withdrawal, and inherited — and how to choose the right one.
April 27th, 2026
What Is a Single Premium Immediate Annuity (SPIA)?
A SPIA converts a lump sum into guaranteed monthly income that starts within 30 days. Learn how it works, what it pays, and who it's right for.
May 4th, 2026
What Are Annuities? How They Work and Who They're For
Annuities are insurance contracts that convert a lump sum into guaranteed retirement income. Learn how they work, the main types, and when they make sense.
April 27th, 2026
Annuity Beneficiary: Payout Options, Death Benefits & Taxes
Named as an annuity beneficiary? Learn your payout options, how inherited annuity taxes work, and what to do when an annuity owner dies.
April 25th, 2026
Infinite Banking Myths
Infinite banking is one of the most misunderstood strategies in personal finance. Here are the myths I hear most — and what's actually true.
May 7th, 2026
How to Open an IUL Account
How to open an IUL account in 4–6 weeks. What to prepare, how underwriting works, and what to look for in your policy illustration. No bank account required.
April 6th, 2026
Best No Exam Life Insurance Companies
The best no exam life insurance companies ranked by coverage limits, approval speed, and pricing. SBLI leads on simplified issue. Symetra leads on accelerated underwriting limits.
April 4th, 2026