Curtis Ray's Podcast

Is MPI® protected from lawsuits like a 401k?Similar to other retirement plans like a 401k and IRA, MPI® is one of the most legislatively protected assets you can own from lawsuits, liens, creditors, or judgements. Though state-law governs insurance, most provide legislative protection, making it difficult to sue a life insurance plan and the cash value inside. For business owners and individuals alike, the threat of a lawsuit is always on our minds because what we have taken years to build co...

Yes, MPI® provides tax-free retirement income! MPI® is based on a different section of tax-code: §7702(a) or the life insurance tax code. Most of us are familiar with the tax code 401(k) where you can defer taxes on retirement savings to a future date. Although §401(k) and the IRA offer immediate tax advantages, my research analyzing benefits of a plan indicates that MPI® provides even better tax advantages for retirement income, long-term wealth accumulation and legacy planning. Because MPI®...

"Does MPI® Have Living Benefits?"Yes, MPI® has the feature called Living Benefits. If you were to get sick with chronic or terminal illness, you can withdraw an advance on your life insurance to pay for qualified medical expenses. Families are protected from financial devastation stemming from health scares such as cancer, heart attack, stroke, and various other severe illnesses. To qualify for Living Benefits, a medical underwriting might be required to determine the severity of the illness....

"What Are The Fees Inside of MPI®?"Tell me if this sounds familiar: MPI® is a very expensive life insurance plan!! Or “you should never combine life insurance and investments in the same plan!” It sounds familiar because we’ve all heard it countless times from influencers such as Dave Ramsey as well as most financial advisors! The reason I adamantly disagree is because I have done the math and the math says MPI® has some of the lowest possible management fees of any retirement plan. Who is ac...

Send any of your financial questions to my email: [email protected]’s question is "What is Permanent Life Insurance?"MPI® is a permanent life insurance contract, meaning it has no expiration date. Unlike term insurance, it is 100% guaranteed to pay out to your spouse, kids, or whomever you choose as a beneficiary when you pass away if the policy remains in force.This guarantees, that no matter your age at death, generational wealth is achieved. Various financial influencers suggest perman...

Today’s question comes from Josh in California:"Can You Do An Overview of the Benefits of My MPI® Plan?"I'm Curtis Ray, Always Be Compounding™!Website: https://mympi.com/Schedule A Call With An MPI® Specialist: https://calendly.com/mpi---- CURTIS RAY ON SOCIAL MEDIA ----TikTok: https://www.tiktok.com/@curtisrayFacebook: http://fb.com/iamcurtisrayInstagram: http://instagram.com/iamcurtisrayPinterest: https://www.pinterest.com/iamcurtisray/_created/Reddit: https://www.reddit.com/user/iamcurtisray

Today’s question comes from Hattie from Arizona: "What is the Minimum Commitment to MPI® and What is The Most I Can Deposit Into MPI® Per Year? This is a common question I receive from clients. Unfortunately, there is also a lot of scarcity mindset in the world of personal finance, because people are taught to focus on the minimum instead of learning how to maximize their money. Compound Interest is money working for you by making more money from its own earnings; it is also the sim...

"What Happens To My Cash Value When I Die? Does My Cash Value Pay Back The RELOC™? This topic is one I hear often AND one that even financial professionals misunderstand – not to mention consumers that find it confusing, so I am glad to take a minute and explain how Cash Value works. In the MPI® plan, there are 3 buckets of money. Each one is both independent of the others and working together to provide you with your best future. Bucket #1 is your life insurance contract. This amou...

The Retirement Equity Line of Credit (RELOC™) is one of the most important features in a successful Retirement Plan. Without this feature, your retirement plan will most likely require you to downsize, unable to produce the full retirement income potential you desire.A RELOC™ is a collateralized line of credit from the insurance company at a contractual low interest rate. In other words, additional available capital at your disposal to use for any reason, at any time, without penalty or fees....

Ask questions to the email: [email protected] These: Is Infinite Banking Worth It? 🤔: https://youtu.be/vGWM5b6i5xo​What Maximum Premium Indexing Is? : https://youtu.be/eRIYXSggSiU​What is the 4% Rule?: https://youtu.be/2_t6aG-taQM​Are Real Estate Rentals A Good Retirement Plan? : https://youtu.be/i8a1n82sH6c​What is Downsizing: https://youtu.be/F28vOn9hmjk​I'm Curtis Ray, Always Be Compounding™!Website: https://mympi.com/Schedule A Call With An MPI® Specialist: https://calendl...