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
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.
April 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
Life Insurance Underwriting
How life insurance underwriting works: rate classes, exams, labs, and what carriers look for when they price your policy—before you apply.
April 2nd, 2026
Final Expense Insurance Rates
Compare final expense insurance rates for $5K to $15K in coverage. See average monthly costs by age and gender for simplified issue burial insurance.
April 6th, 2026
Guaranteed Issue Life Insurance Rates
Compare guaranteed issue life insurance rates from $17.69 to $246.58/month. Real Gerber premiums by age and gender — no health questions, no denials, 2-year waiting period.
April 6th, 2026
Is IUL a Good Investment?
Is IUL a good investment? Compare $75k in fees vs $280k in taxes over 30 years. Learn when IUL makes sense and common mistakes to avoid.
April 6th, 2026
Best MYGA Companies
Compare the best MYGA companies by AM Best ratings, rate competitiveness, and contract terms. Independent reviews across top multi-year guaranteed annuity carriers.
April 3rd, 2026
Modified endowment contract (MEC)
Modified endowment contract (MEC) rules: the seven-pay test, how policies become MECs, and how tax treatment of loans and withdrawals changes on IUL and UL. Educational only—consult a CPA.
March 29th, 2026
Life Insurance Companies
Independent guides to life insurance carriers—financial strength, underwriting standards, and product value across term, whole life, and permanent options.
March 31st, 2026
Life Insurance Rates
Compare life insurance rates by product, age, gender, and tobacco use. Term and whole life benchmarks with real carrier data to anchor your quote.
March 31st, 2026
Life Insurance Strategies
Explore life insurance strategies—cash value access, policy loans, premium financing, key person coverage, and return of premium—explained before you buy.
March 31st, 2026