Pro Client Guide
Jason Herring
Retirement Income Specialist
Jason Herring spent a decade teaching financial advisors how retirement income actually works before he ever sat across from a client. Sixteen years in, that is still the problem he finds most interesting: not how the money grows, but what happens when it has to start coming out.
Experience
16 years
Licenses
- Series 6, 63 and 65
- Licensed producer in all 50 states + DC
Credentials & Achievements
- Prudential Pinnacle Award recipient, 2014 and 2015
- Series 6, 63, and 65
- Licensed producer in all 50 states and DC
- Instructor with AFES (Adult Financial Education Services)
- National Association of Fixed Annuities (NAFA)
- 16 years of experience across IULs, whole life, annuities, and advanced cash value strategies
About Jason
Why Jason
Most agents live in one camp. They’re either whole life guys or IUL guys. Jason has sat in over 400 meetings designing IUL and annuity-based retirement strategies for advisors and their clients. He knows the mechanics, the caps, the floors, the policy charges, and the fine print most agents gloss over.
But Jason also discovered something along the way: whole life insurance, when properly structured and overfunded, does things that universal life products simply cannot replicate — particularly when used as infrastructure for banking, cash flow, and generational wealth transfer.
So now Jason does what almost nobody in the industry does. He sits across from a client, illustrates both policies side by side, and walks through the honest pros and cons of each — so the client can make a truly informed decision based on what they actually want to accomplish.
No pitch. No agenda. Just deep clarity on which overfunded life policy is best suited for his client.
Background
Jason started in pharmaceutical sales, spending a decade working alongside doctors and their staffs. When industry changes prompted a career shift, a friend suggested he’d be a natural fit in life insurance.
Two early experiences cemented his conviction. The father of Jason’s childhood friend passed away in his armchair one night — covered by nothing more than a $50,000 work policy. Shortly after entering the industry, Jason heard about a man in his mid-30s who died suddenly with only 1.5x salary coverage from his employer plan.
Those stories never left him.
Jason launched his insurance career as a wholesaler with Hartford, building deep expertise in retirement income distribution strategies. When Hartford sold its life division in 2012, Prudential acquired the business and Jason transitioned into educating Prudential advisors and their clients on comprehensive income strategies — everything from simple protection plans to advanced LIRP distribution approaches.
After years of expanding territory and influence, Jason wanted to get closer to the client. He stepped away from the wholesaler role, started working directly with consumers, and joined Insurance & Estate Strategies in 2017. He’s been instrumental in shaping the firm’s values, knowledge base, and expertise ever since.
What Jason Specializes In
Jason designs overfunded life insurance strategies built around what the client actually needs — not what pays the highest commission. His expertise spans the full spectrum of cash value life insurance:
- Indexed Universal Life (IUL): Market-linked growth with downside protection, cap rate optimization, and income distribution design
- Dividend-Paying Whole Life: Guaranteed cash value growth, infinite banking structure, and generational wealth transfer
- Side-by-Side Policy Comparison: Honest illustration of both product types so clients see exactly what they’re getting
- Retirement Income Distribution: LIRP strategies, guaranteed income, and tax-efficient withdrawal design
- Estate Planning & Wealth Transfer: Protection strategies most financial advisors overlook entirely
Philosophy
Jason's view is that the hardest part of retirement isn't building the number. It's turning it into a paycheck. Almost every piece of advice a person gets over forty working years is about making a balance grow, and then it stops, and nobody has told them what to do next. He thinks a lot of people are getting poor advice at exactly the moment good advice matters most, and that drawing four percent a year and hoping is not a plan.
So he doesn't start with a product. He starts with what you own, what it currently does, and what it has to produce. Sometimes that means overfunded life insurance, whole life or IUL depending on the client. Sometimes it means guaranteed income. Sometimes it means telling someone that what they already have is fine.
He also believes most people protect everything in their lives except what matters most. His job is to fix that.
Personal
Jason has been married 25 years, has three daughters who keep him busy, and lives in Nashville with their dog Sadie. He prioritizes family time, schedules regular vacations, and spends time on mission trips putting his faith into action.
What Clients Say
“Jason was very patient with all my questions (despite asking the same questions over and over!) and gave detailed explanation of everything he was sharing with me. He explained the whole process to me and simplified it for me to understand what I was signing up for. He was also very responsive via email and texts. Thank you.”
Mrinalini — Trustpilot review
“Jason was extremely helpful walking me through my options. He was quick to respond, very detailed and overall amazing to work with. I’m very pleased with the experience and happy to have my policy set up.”
David — Trustpilot review
“This was an amazing experience, when I first contacted Insurance and Estates, I barely knew anything about life insurance. Jason was very patient, informative and, clear in how he quickly educated me to make intelligent decisions on my financial future. I would definitely recommend Insurance and Estates to anyone.”
Trustpilot review
“Jason helped me with a whole life policy, protecting my daughter as well as go through the process without disrupting my over the road work as a trucker. Some times as a trucker it’s hard to get on site medical while going state to state, as a non smoker I qualified, Jason is awesome”
Trustpilot review
Jason's Recent Articles
Preparing Heirs: Why Formation Matters More Than Financial Literacy
Read
How to Keep Family Land in the Family: The 8 Threats and the Plan That Actually Works
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The 401k Is Not an Investment. It Is Price Support.
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The Family Bank: What Most Generational Wealth Strategies Are Missing
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Whole Life Insurance for Retirement: How to Create Tax-Free Income for Life
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The Asset Class Nobody Told You About (And Why Banks Hold $205 Billion of It)
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Cash Value Life Insurance: How It Works, How It Grows, and How to Access It
Read
Infinite Banking Concept: How It Works and Why It Changes Everything
ReadReady to talk it through with Jason?
A Fit Call is a conversation, not a pitch. Bring your numbers and your questions — leave with a clear picture of whether this strategy fits your situation.