Life insurers are asset managers with a primary focus on growing your relatively small premium dollars into a significant death benefit. They invest prudently to protect themselves from loss when it's time to pay claims. Over many years, this conservative approach to growing assets can work to your advantage.

When you put an "overfunded" policy in force, you capitalize on the insurance company's incentive to grow value from the dollars it collects. Since losing money would hurt their financial standing, they're strongly motivated to maximize returns with low relative risk. Insurance companies excel at this task, and state laws mandate that they must share the value they build with policyholders.

Our strategy for decades has been giving insurance companies more money than they need and forcing them to grow those extra dollars just like the required ones. Your excess premium isn't subjected to the same expenses as the required premium, allowing for faster growth of your cash value. This approach combines solid returns with zero risk of year-over-year loss.

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Want to learn how overfunded life insurance can fit into your wealth-building strategy? Contact us today to discover how we can help you implement this approach for long-term financial growth with minimal risk.