Not Your Average Financial Podcast™

Episode 222: Four Ways to Make Your Cash Value Grow Faster

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In this episode, we ask:

  • When will your cash value equal your death benefit?
  • What about an increase of cash?
  • Do you intend to make it to 121 years old?
  • What four ways can you accelerate your cash accumulation?
  • What about interest rates?
  • What about stock market performance?
  • Is it boring?

    • What is the first way?

    • What about a Limited Pay Whole Life policy?
    • What about paying to a certain age?
    • What about paying a limited number of premium payments?
    • What about a single premium payment?
    • What does this allow the policy to do?
    • What about a 10-Pay or 20-Pay?
    • What about paying premium to age 65 or age 100?
    • What about the time value of money?
    • What about the lack of flexibility?
    • What can be a great source of liquidity?

      • What is the second way?
        • What about a paid up additions rider or PUA rider?
        • What about a flexible paid up additions rider?
        • What about an old fashioned whole life insurance policy
        • What happens when you add a PUA rider, even without extra premium dollars?
        • Is underwriting necessary for PUAs?
        • What do you call money when it goes into a bank account?
        • What do you call money when it goes into a 401(k)?
        • What do you call money when it goes into a whole life insurance policy?
        • What does premium buy?
        • What is the most efficient type of insurance you can buy?
        • What about an example?
        • What if you want to add additional premiums to increase your cash value?
        • What are the limits to PUAs?
        • How much can you stack onto your base premium?
        • What about an example?
        • What capacity will you decide upon?
        • What happens when your buckets are full?
        • How does the insurance company limit you?
        • How does the IRS limit you?

          • What is the third way?
            • What about blending whole life insurance with a term insurance rider?
            • What is the combination?
              • What is the fourth way?
                • What about an existing policy that isn’t efficient?
                • What can you do about a whole life policy that is underperforming?
                • What is a 1035 exchange?
                • What can you do about a Variable Universal Life policy?
                • What about a tax free transfer of values?
                • What about an annuity?
                • What about accelerated death benefit rider?
                • What about an example?

                  • What about a bonus way to grow your cash?
                    • What about dividends?
                    • How might one purchase PUAs with dividends?
                    • Do PUAs become permanent insurance?
                    • Would you like to leave us a review?
                    • Would you like to share this show with someone you care about?
                    • Would you like a free book?
                    • Would you like a gift card?
                    •  Would you like to schedule a 15-minute meeting with Mark?
                      • ...more
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