Welcome to Talk Money to Me, where we unpack the financial strategies the wealthy don’t always talk about. Today, we’re revealing how high-net-worth individuals use life insurance to build and protect wealth.

Life Insurance as a Wealth Tool Permanent policies like IULs and Whole Life offer more than just a death benefit. They grow cash value tax-deferred, offer access to funds tax-free, and pass wealth tax-efficiently to heirs.

Bank On Yourself Strategy Many wealthy individuals use life insurance as a private bank—borrowing against their policies to invest in real estate, fund businesses, or create income without triggering taxes.

Generational Wealth Transfer Life insurance ensures a smooth, tax-advantaged transfer of wealth across generations. It’s one of the few tools that can bypass probate, avoid estate taxes, and keep money in the family.

You don’t need to be a billionaire to use these strategies. With the right structure, life insurance can be your secret weapon for building generational wealth.

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