In this episode of The Color of Money, we sit down with David Zapata to unpack the misunderstood world of life insurance—and the immense financial potential hiding in whole life policies.  From losing his mother in Colombia to building a financial education company in the U.S., David Zapata has lived the kind of story that redefines how we think about money, legacy, and protection.

We explore the difference between term and permanent coverage, why savings (not income) is the real problem for most Americans, and how the wealthy use whole life insurance to build liquidity, fund opportunity, and leave a legacy.

David breaks down how whole life insurance offers guaranteed growth, liquidity, and borrowing power—making it a living asset rather than just a safety net. He shares real-life examples, frameworks for savings strategy, and why most Americans are thinking about life insurance all wrong.

Whether you’re a business owner, investor, or just someone looking to build a strong financial foundation, this episode offers a crash course in rethinking risk, wealth, and what it really means to protect your future.

Resources:

• Learn how to build Tough Money and about the Tough Money Effect
• Learn more about Factum Foundations
• Get in touch with David at factumfinancial.com
• Learn more at The Color of Money
• Become a real estate agent HERE

Connect with Our Hosts

Emerick Peace:

• Instagram: @theemerickpeace
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Daniel Dixon:

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• YouTube: @dixongroupcompanies

Julia Lashay:

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• YouTube: @JuliaLashay

Bo Menkiti

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Produced by NOVA

This podcast is for general informational purposes only. The views, thoughts, and opinions of the guest represent those of the guest and not  Keller Williams Realty, LLC and its affiliates, and should not be construed as financial, economic, legal, tax, or other advice. This podcast is provided without any warranty, or guarantee of its accuracy, completeness, timeliness, or results from using the information.