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 Policy Loans
How infinite banking policy loans work on whole life — loan rates, direct vs non-direct recognition, payback rules, early borrowing risks, and when an unpaid loan can lapse a policy.
September 23rd, 2026
5 Best Burial Insurance Companies
Five best burial insurance companies ranked by rate, underwriting flexibility, and day-one coverage — matched to your age and health profile so you're not overpaying.
August 18th, 2026
Life Insurance Planning Guides
When to buy life insurance, how much coverage you need, beneficiaries, life-stage planning, and buying decisions—guides for families and business owners before you quote.
June 12th, 2026
Whole Life Insurance Dividends
2006–2026 dividend interest rate history for MassMutual, Guardian, Penn Mutual, New York Life, Northwestern Mutual, and more — declared rates by year, not projections.
July 3rd, 2026
Term vs Whole Life Insurance Calculator
See what term and whole life insurance cost for your age and coverage amount. 10-, 20-, and 30-year term pricing plus whole life cost and cash value—no personal data required.
June 6th, 2026
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 15th, 2026
Best FIA Rates
Looking for the best FIA rates today? Compare cap, participation, and spread. They are not the same number.
September 13th, 2026
Top MYGA Rates
Looking for the best MYGA rates today? Compare this month's top guaranteed rates by term, carrier, and deposit size.
September 13th, 2026
Annuity Rates
Looking for the best annuity rates today? Compare this month's MYGA, SPIA, and FIA rates. Pick your product — the boards are below.
September 23rd, 2026
SPIA Rates
Looking for the best SPIA payouts today? Compare this month's top 5-, 7-, and 10-year rates. We rank who pays the most — then rerun the case in your state.
September 13th, 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 SPIA?
A SPIA converts a lump sum into guaranteed monthly income that starts within 30 days. See how payouts work, what drives your check, and who it fits.
September 24th, 2026