https://www.youtube.com/watch?v=_pFTv5igQXc

Do you want to find out how to get the most income with reverse mortgages, and still have the cash to replenish your estate and pass on a legacy?If you want to maximize income, especially during your later years, understand how to get a permission slip to get more income with a reverse mortgage, and gain control by having more financial options, so you can boost your confidence in your own financial stability, both now and in the future, this episode is for you!

In this episode, you'll discover:

How reverse mortgages can convert home equity into cash or income.How the Baby Boomer's $7.2 Trillion of home equity in their current homes can be used to supplement their retirement and medical needs.The 4 options available to custom-design a reverse mortgage to meet your specific financial goals.How a reverse mortgage allows you to minimize the risk of having to take money out of your portfolio when the market is down and never being able to recover.The secret that makes income from a reverse mortgage income tax-free.The reverse purchase that makes it possible to downsize, or rightsize to a new home during retirement, never owe a mortgage again, and still have cash on hand.How a reverse mortgage can increase your cash flow by reducing expenses and increasing income, often at the same time.How a reverse mortgage affects your legacy and your kid's financial economy.The advantage of using whole life insurance death benefit to replenish your estate, giving you permission to use up other assets, and still maximize your legacy.

About Mike Stanley (Michael)

Michael Stanley is an expert in reverse mortgages whose accomplishments include:

Serving the mortgage industry since 1995Focused exclusively on Reverse Mortgages for the last 12 yearsBranch manager of Universal Mortgage & FinanceLives in Virginia Beach VA with his wife of 35 yearsLoves spending time with his son, daughter-in-law, and a beautiful granddaughter

Find Out Your Next Right Step to Time and Money Freedom

If you'd like to take the one next right step into ensuring the most options for future income, get whole life insurance with a guaranteed death benefit today. This tool will be your permission slip to use up other assets and still have the greatest possible legacy.

By the way, we have a free Quick and Easy Privatized Banking Guide that outlines just how Privatized Banking gives you the most powerful storage tank for your cash, PLUS it boosts investment returns, so you can more quickly get to the point where you never run out of cash.

If you are ready to personally implement Privatized Banking, alternative investments, or cash flow strategies to keep more of the money you make, book your strategy call with The Money Advantage advisors today.

Reverse Mortgage Resources & Mike Stanley's Contact Info:

Calculate your options with a reverse mortgage or find out more at www.umafi.com.

You can also text or call Mike Stanley directly at (757) 646-4147.

Thanks for Tuning In!

Thanks so much for being with us this week. Have some feedback you’d like to share? Please leave a note in the comments section below!

Don’t forget to subscribe to the show to get automatic episode updates for The Money Advantage podcast!

And, finally, if you like these conversations for increasing your financial control and certainty, so you can have confidence and peace of mind, and prosper regardless of the economy, please rate and review our show on Apple Podcasts to help more people like you find our show.

Thanks for listening!

https://www.youtube.com/watch?v=FtX1shbUJ_0

The death benefit sounds like the least attractive and most basic part of life insurance.  Wouldn't the only people talking about it be either a doomsayer or Captain Obvious?

Far to the contrary!

Life insurance death benefit offers a tremendous advantage that enhances your life and makes it so much richer.  

So we're taking this topic head-on in today's episode and discussing the 5 reasons you want to have a life insurance death benefit.

And to add some flavor to the conversation, we're introducing you to Ryley Smith, one of The Money Advantage's advisors.

So if you want to discover and solve your top priority financial concerns, take care of your family, and be able to spend and enjoy more of your money and live on beyond yourself, tune in now!

You'll be surprised at the depth of this inspiring, thought-provoking, soulful conversation that will help you put your best foot forward to living your best life.

In This Episode About Life Insurance Death Benefit, You'll Discover:

Why the death benefit is the most powerful thing about life insuranceThe living benefits the death benefit provides, even if there's no cash valueHow the death benefit allows you to spend and enjoy more of your moneyHow most people give up financial control to banks and financial institutionsThe 3 questions you should ask yourself when buying anythingThe 5 reasons why you would want life insuranceThe 3 ways whole life insurance can have no costThe only way money has value to youThe 7 levels deep exercise to get to the heart of what you really wantThe 1 surprising question you should ask yourself at the end of each day to live your best life

Who is Ryley Smith?

Ryley Smith is an inspiring human who serves The Money Advantage clients by helping them articulate their vision, discover their financial picture, and create a strategy to get the most cash flow and control.

Here's a bit more about his background.

Advisor for The Money AdvantagePassionate about sharing the truth behind financial conceptsLicensed Doctor of Physical Therapy, and former Certified Athletic Trainer, and Certified Strength and Conditioning SpecialistGrew up in Carthage, Illinois enjoying the small-town life with family and friendsVery active in sports growing up and into collegeAn avid reader and enjoys being active outdoors and with personal fitness

Get Financial Clarity Today

If you would like to implement Privatized Banking, cash flow strategies, or alternative investments, so you can accelerate time and money freedom, we can help.  We’ll review your situation to help you decide what moves are best for you.

To start the conversation, book a call with our advisor team.

Success leaves clues.  Model the successful few, not the crowd, and build a life and business you love.

https://www.youtube.com/watch?v=Wz6IVtcW_10

Does the current market volatility make you wish you had a financial bunker to protect you from losing money?

If you would love to gain control by having the certainty of guaranteed money today and in the future ... need to make traction towards financial freedom, regardless of the global economy ... want to have investible cash available to buy the right investments when they go on sale ... or stuck with wanting to have a strong cash position, but frustrated that bank rates are low and CDs and bonds aren't very liquid ... you're not alone!

These are the concerns we see from investors and wealth creators everywhere as we all grapple with the financial turmoil and uncertainty in the markets today.

That's why we're talking about the lost art of protecting and preserving your wealth. After all, who doesn't want to protect their portfolio from risk and loss?

So if you want to anchor your financial position so you don't slide backward during market crashes and corrections, but instead, maintain control, and have cash for emergencies and opportunities so you can create wealth, regardless of global economic turmoil, tune in now!

Where a Financial Bunker Fits In The Bigger Picture of Creating Wealth

Protecting and preserving your money is super important right now. It's also important in any market environment, because it's a critical step in creating wealth.

But unfortunately, it's the un-sexy, boring step that many people skip over in their excitement to invest.

But investing alone isn't a sustainable financial system for long-term wealth building.

That’s why we’ve developed the 3-step Cash Flow System. It’s your roadmap to go from just surviving, to a life of significance, purpose, and financial freedom. 

The first stage is the foundation.  You first keep more of the money you make by fixing money leaks, becoming more efficient and profitable. 

Then, you protect your money with insurance and legal protection and Privatized Banking. 

Finally, you put your money to work, increasing your income with cash-flowing assets.

That being said, your financial bunker is the middle level of Protection. It's not just an isolated, compartment of your financial life. Instead, having a financial bunker improves every other area of your financial life.

In This Episode, You'll Discover:

What you need to know about the economic state of the union, so you can make decisions.How to turn your generalized anxiety and worries about the looming economic crisis into peace and confidence.The pivot you need to make to step from a helpless observer in the back seat to the driver in control of your financial life.Why most people lack financial control, and how to gain a sense of agency, that you can desire, make plans, carry out actions, and get results.The conundrum you put yourself in when you become the recipient of a gift.Why it’s so much harder to make decisions for yourself instead of doing what everyone else is doing.Why you should never accept losing money as the price you have to pay, just because everyone else is losing money too.The reason I don’t pay attention to the stock market, and why you can give yourself the permission to make this outrageous, bold move too.Why not losing money right now is more important than making a lot of money.The #1 thing you can do to secure a financial bunker to protect yourself from financial storms right now, without shutting down your own personal economy, SO YOU CAN continue to grow your wealth at the same time.The #1 financial tool to get guarantees, safety, access to your money for emergencies and to buy assets when they go on sale.Why asking better questions is more helpful to getting you unstuck than finding the right answers.

The Most Unlikely Solution

The financial bunker that gives you peace of mind with safety, security, and ironclad guarantees is the most unlikely solution.

https://www.youtube.com/watch?v=e7ZgSxhq5Jc

Need cash to sustain your business through shutdown or reduced revenue due to stay at home orders?  Looking for ways to protect your family and business from bankruptcy during the COVID-19 pandemic? 

In today's podcast, we’re sharing the emergency financial options to help business owners and families weather this economic crisis.

We brought our tax strategist, Dustin Griffiths of King's Tax and Accounting, into the conversation as we help you navigate the financial options available through the $2 Trillion Coronavirus Aid, Relief and Economic Security (CARES) Act to help you through these unprecedented challenges.

Find Out ...

How to use the Payroll Protection Program (PPP) to cover your payroll, mortgage interest, rent, and utilitiesWhy every business owner should apply for the Economic Injury Disaster Loan Advance (EIDL)Why you may want to file 2019 taxes immediately, or not, to get the most from the stimulus checksHow to best use unemployment to stay in business and get your contractors and part-time workers the most income at the same timeHow you may be able to qualify for an extra $600/week of unemployment, even if you're a contractorFind out your state's tax deadlinesHow the extension for filing taxes helps you keep more cashWhy you may not want to exercise your mortgage relief optionsHow to get access to your 401(k), 403(b), 457, IRA, or SEP IRA for extra fundsWhy now is the ideal time for a Roth conversionFMLA, student loan payments, and Net operating loss (NOL) carry back

While I’m not a fan of government intervention, in this case, knowing your options may be the lifeline that gets you through these tough times.

Upgrade your tax strategy to navigate this time and make the right moves.  Contact Dustin at [email protected]

Protect Yourself From Losing Money

Get the FREE Stabilize and Preserve Your Finances Cheat Sheet, practical action steps you can take to strengthen your financial defenses and protect yourself from losing money.

In 1 PAGE, you'll get:

The #1 financial life preserver you need right nowResources to increase your cash flow, pay off loans, and permanently reduce taxesCliff notes version for using all the major components of the CARES Act, including: UnemploymentStimulus checksPayroll Protection Program (PPP)Economic Injury Disaster Loan (EIDL)Accessing 401(k) and IRA moneyMortgage loan forbearanceStudent loansThe CARES Act Town Hall, with Tom Wheelwright of WealthAbilityThe Cash Is Still King: Crisis Survival Guide from Keys to the Vault and Business School for EntrepreneursAND much, MUCH more!

Stabilize & Preserve Your Finances Cheat Sheet

Financial Emergency Moves & Options to Help You Weather This Economic Crisis

https://www.youtube.com/watch?v=jhjo6LMM84Q

Are you trying to decide how and when to implement Privatized Banking?Today, we're talking with Brett Hildebrandt and Molly Urban about how they are getting answers to their most important questions about Privatized Banking.

This episode is for you if you want to satisfy your thirst for knowledge about Privatized Banking, close the loop on your research, and see exactly what it takes to get started!

Brett and Molly are sitting in your seat right now. They're looking for how to stack up the most security and certainty in their financial life and get the maximum return on their investment. That's because they want to flourish in every other area of their life. They've been researching Privatized Banking. And they're walking through the process of securing their financial resources to best build financial freedom.

Let’s tune in to hear the conversation in their mind, so you can understand how to get started with Privatized Banking.  

Unequivocally relevant to the conversation, today is April 1, 2020, and this is not about April Fool's. Today, we are all facing an unprecedented unknown, new territory, and tremendous uncertainty as we face the global pandemic … yet, it's still possible to take confident and strategic action towards FINANCIAL FREEDOM now.

In This Episode, You'll Discover:

How taking control of your life requires deprogramming what you thought you knew.Why asking the best questions is better than having the best answers.How a mind and brain altercation that brought Brett back from the rock bottom of depression, and challenged Molly to find out what more was possible when she was already at the height of her career, is now propelling them to do the MOST with their money.Why self worth is ESSENTIAL before you can take CONTROL of your money.How Privatized Banking is the King, the crème de la crème of financial tools.

Who Are Brett and Molly?

Brett Hildebrandt is currently helping to grow 2 businesses. He is the lead sales strategist at a full-service digital marketing company in Wisconsin. He's also the director of business development for a professional development company called Flowcess LLC, which holds proprietary information on the mind and the brain that was declared a trade secret for 20 years. 

Brett is also a military veteran. He served 8 years in the Wisconsin Army National Guard as both a medic and chaplain assistant and served in Operation Iraqi Freedom ‘09-10. 

Molly wears many hats. She is the mother of 2 young boys, corporate leader, executive coach, public speaker, entrepreneur, investor, consultant, and internationally certified trainer. As head of Leadership Development for a global software company, Molly designs, develops, and implements tailored leadership and professional development programs for the organization’s leadership team. She embraces the opportunity of bringing revelatory ideas with practical life-changing application.

In addition to these various roles and responsibilities, Molly finds the most satisfaction in helping leaders discover unique strategies for dissolving personal and corporate challenges by utilizing the mind & brain information she learned through Flowcess. 

Together Brett and Molly started their real estate investment company, Charis Investments LLC, in 2019 and currently have 11 doors with a 4-unit and 7-unit building.

Ultimately, their goal is to generate enough residual income from all their investments to achieve financial freedom to live out their unique brands: facilitating the purpose and progress of others in every area of their life. 

They both share the same philosophy of wanting to maximize their return on investment in all areas of their lives. Striving to get the best return on investment financially has led them to the concept of utilizing whole life insurance policies as a privatized bank, commonly known as the Infinite Banking Concept.

https://www.youtube.com/watch?v=ErkhA2dRdBs

In this episode, we talk with James Smiley about why most entrepreneurs struggle with making money online quickly.If you want to create a brand, become an influencer, and build a self-sustaining business so you can build a life and business you love, tune in now!

In this episode, you'll discover:

How he went from getting arrested and getting kicked out of school to leading a multi-million dollar companyWhy you don't need a huge list or following to grow your business, and what you do need instead ... and exactly how to build itThe one simple business strategy that will make you stand out, and give you years of leverageHow to become an influencer if you're not already an established thought leader like Tony RobbinsThe top 2 crucial keys to making money online quickly

Who Is James Smiley?

James Smiley is an expert in making money online quickly whose accomplishments include:

James has been recognized as one of the most innovative and in-demand entrepreneurs under 40.He has led $0 to $20M growth for two different companies, been a part of a Silicon Valley SaaS IPO, and consulted for 3 of the Fortune 10.He built countless 7 & 8 figure funnels, including one $1.7M webinar.James has been the behind-the-scenes paid advisor to over 560 executives & entrepreneurs.His primary specialty is helping entrepreneurs with rapid revenue acceleration by leveraging online automation and his proprietary digital marketing systems.James has published 7 books, recorded 1000s of videos and podcasts, trained over 12,000 B2B sales reps, delivered 600+ speeches, and sold over $210M before the age of 35.He played some college football and is a former ESPN Bassmaster pro angler and fished in the Bassmaster National Championship.

James Smiley Episode Resources

Learn more about how you can improve your results: https://jamessmiley.com.

Thanks for Tuning In!

Thanks so much for being with us this week. Have some feedback you'd like to share? Please leave a note in the comments section below!

If you enjoyed this episode, please share it with your friends.

Don’t forget to subscribe to the show on Apple Podcasts to get automatic episode updates for The Money Advantage Podcast!

And, finally, please take a minute to leave us an honest review and rating on iTunes. They really help us out when it comes to the ranking of the show and I make it a point to read every single one of the reviews we get.

Please leave a review right now. 

Thanks for listening!

Success leaves clues.  Model the successful few, not the crowd, and build a life and business you love.

https://www.youtube.com/watch?v=NYZC3XZ9qhU

With the threat of Coronavirus breathing down our necks, unprecedented social measures to stop the spread of the virus, and the tumbling chaos in the financial markets, it can feel like our world is fragile and fraying.How do you create a life and business you love in the midst of that?Our goal in this conversation is not to oversimplify the concerns at hand, pretend we can predict the outcomes, or dismiss the panic of a pandemic.

But we all need a way forward, to move us out of fear and into confidence.

Here's what Dan Sullivan, of Strategic Coach, has to say about these trying times:

What’s important to me right now? Making sure to keep my confidence up each day. 

Confidence is the ability to transform fear into focused and relaxed thinking, communication, and action. It turns dangers into opportunities, obstacles into innovations, weaknesses into advantages, and setbacks into breakthroughs.

When you have confidence as a daily resource, you can learn anything, respond to anything, adjust to anything, and achieve anything.

Dan Sullivan, Strategic Coach

So how can you inject that antidote of confidence to the pandemic of fear and uncertainty?

This episode will help you:

Find out the real reason your confidence fails during hardship.

Get practical ways to make money during the Coronavirus.

And find out the simple action plan to get a life preserver in your health, but more importantly, your wealth right now.

The changes in our environment require your leadership and courage in your circle of influence right now.

The 5-Step Action Plan to Survive and Thrive in Uncertainty and Chaos

1) Take Care of Your Mindset

The real reason our confidence fails us is that we allow the external crisis to shake our mindset, rather than requiring our mindset to direct our response to the crisis.

“Everything can be taken from a man but one thing: the last of the human freedoms—to choose one’s attitude in any given set of circumstances, to choose one’s own way.” 

Viktor E. Frankl, Man's Search for Meaning

But abundance comes from your mindset. From your ability to choose your mindset and your response, regardless of your circumstances.

At the risk of sharing something too personal, I read this in my devotions yesterday:

Abundant life is not necessarily health and wealth; it is living in continual dependence on Me [Jesus].

Sarah Young, Jesus Calling

This statement challenged me deeply, as I'd like to think that abundance is in financial security, vibrant health, rich relationships, and vivid purpose. But those things are all external - the result or outflow. I don't have complete control in those areas.

What is most important is what's internal: my character, conviction, mindset, and response. That's where I do have control, and it's the most important thing we all need to wrest control of so we don't go off the rails.

Abundance starts inside of you. It makes you creative and collaborative, expansive, and full of faith.

The antagonist is scarcity, the mean, limiting taker that pits us against each other, wires us in anxiety, and paralyzes us in fear. None of us are immune.

But we have to choose abundance to gain confidence, vision, and wisdom for how to respond.

Spend time in gratitude. Read inspirational, soul-fueling books. Dedicate time to learning a new skill. Take a course. There are limitless resources and knowledge all around you, and limitless capacity for production.

2) Take Care of Your Health

For me, this was a big one! I'll admit, I had a lot of anxiety about this when the world started talking about Coronavirus.

Instead of ignoring the news and trying to rise above by focusing on what I wanted, I had to allow myself time to find the answers I needed. I needed to ask real questions and find my footing.

How would I stay healthy?

https://www.youtube.com/watch?v=bK6cj5VH4_k

Most people miss the advantages of whole life insurance because they view it as strictly an insurance product that doesn't do anything else. But it's that perspective, not the product, that has the limitations.Do you need to get the highest-quality life insurance you can count on, but you feel like life insurance agents are conspiring against you and sabotaging your success? Do you have questions about the advantages of whole life insurance, or maybe you need some tools to help you?

Well, look no further because this article will give you the advantages and answers you need, without you having to compartmentalize it as just buying death benefit, separate from the rest of your financial life.

Best of all, these seven goodies will put you on the fast-track to success with your life insurance right now.

Table of contentsWhere Do the Advantages of Whole Life Insurance Policies Fit in the Cash Flow System?Advantage of Whole Life Insurance #1: Vault-Like SafetyAdvantage of Whole Life Insurance #2: Competitive Growth on Cash ValueAdvantage #4: Tax SavingsAdvantage #5: Gateway to Income-Boosting StrategiesAdvantage #6: Privacy from Creditors and LawsuitsAdvantage #7: Legacy PreserverPros and Cons of Whole LifeFind out More

Where Do the Advantages of Whole Life Insurance Policies Fit in the Cash Flow System?

Life insurance coverage in itself is just one small part of the bigger journey to time and money freedom.

That’s why we’ve developed the 3-step Business Owner’s Cash Flow System. It’s your roadmap to go from just surviving, to a life of significance, purpose, and financial freedom. 

The first stage is the foundation.  You first keep more of the money you make by fixing money leaks, becoming more efficient and profitable. 

Then, you protect your money with insurance and legal protection and Privatized Banking. 

Finally, you put your money to work, increasing your income with cash-flowing assets.

That being said, whole life insurance designed for maximum early cash value AND maximum long-term growth fits in the protection layer of creating wealth. At the same time, it improves every other area of your financial life.

Advantage of Whole Life Insurance #1: Vault-Like Safety

A whole life insurance policy is a savings vehicle, not an investment product. You can compare it to other savings tools, like checking accounts, savings accounts, money market accounts, and CDs.

Similarly, a whole life policy's cash value is safe, because it won't drop in value.

This matters, because your cash value is impervious to market crashes and corrections. It won't drop in value unless you take the money out.

And if you take a peek behind the curtain to compare whole life insurance companies to banks, you'll be impressed here too.

Life insurance companies can make these profound guarantees mainly because of their long-term conservative investment strategy and their strong reserves. While many banks are required to keep only 10% in reserves, life insurance companies have more than 100% in reserves.

Notably, banks failed 27x more than insurance companies did during the years between 2005 - 2017. During those 12 years, there were 523 bank failures, while only 19 life insurance companies became insolvent. And those companies were small, poorly rated, companies. The highly rated companies have stood strong for well over 100 years, through multiple economic crises.

And like the FDIC that insures your bank deposits up to $250,000, each state has a Guaranty Insurance Fund (GIF) that insures your insurance.

Top that off with making sure you're working with the highest-rated, best life insurance companies. Then, you can be doubly, triply sure that whole life cash value is a savings tool that will guarantee your dollars will be there for you.

Advantage of Whole Life Insurance #2: Competitive Growth on Cash Value

https://www.youtube.com/watch?v=aQ1aApSPch8

Ready to invest in real estate, but don't know where to start?  In this episode, Jeff Schechter "Shecky" and Jack Gibson discuss buying your first investment property - a turnkey rental.

So if you want to springboard into asset-based cashflow, be fully prepared, and buy the right property so you can replace your income with a real estate portfolio, tune in now!

Where Does Investing Fit in the Cash Flow System?

Investing is just one step in the path to time and money freedom.

That’s why we have created the 3-step Business Owner’s Cash Flow System.  It’s your roadmap to take you from just surviving, to a life of significance, purpose, and financial freedom.

The first step is keeping more of the money you make by fixing money leaks, becoming more efficient and profitable.  Then, you’ll protect your money with insurance and legal protection, and Privatized Banking.  

Finally, you’ll put your money to work, increasing your income with cash-flowing assets.

Today’s conversation will help you take the plunge into your first investment property.

Who is Jeff Schechter "Shecky"?

Jeff Schechter "Shecky" and Jack Gibson are the owners and operators of High Return Real Estate.  We interviewed Jack Gibson about his background and the High Return Real Estate investment opportunity here. 

Shecky’s accomplishments include:

Started first business right out of collegeDeveloped sales and marketing strategies that have worked well across many industriesNumerous businesses venturesBegan flipping personal residences in the 1980sBought and sold many propertiesActive investorPrivate consulting practice, coaching hundreds of business owners, and thrive on helping people realize their full potential, not just in business, but in all aspects of life!

In This Interview with Jeff Schechter, You'll Discover:

Once you have the cash, pick a property that makes sense, then pull the trigger.Have a holistic approach - more important than analyzing the numbers, know who you are doing business with and the reputation of the person you are buying from.Price and numbers don't tell the whole story - there is always variance from the numbers on the pro forma.Work with someone who has the wisdom of experience, who can buy in volume and get better deals.A great turnkey provider will provide full transparency, before and after pictures, the scope of work, current condition with third-party inspection, and checklists of what was done.Cash-on-cash returns are a benchmark, but they don't tell the whole story - instead, recognize the five areas of asset build-up that make real estate an IDEAL investment: Income, Depreciation, Equity build-up, Appreciation, Leverage.Take responsibility for your self-education.Revel in the experience and accept it as a learning experience - there is no better teacher than experience, don't judge every nuance as good or bad.With the experience under your belt, don't stop. Look for ways to scale and develop a performing portfolio to create financial independence.  Replicate good investments.  Put together your cash for the next investment. Never stop learning.If you're looking for perfection, don't get into real estate investment.Most importantly, stay in your lane - if you're a professional or entrepreneur, stay hyper-focused on scaling your business. Then, take your profits, find out how to leverage the professional and invest with them.  That’s how you cut the steep learning curve as you start on your investing journey.

Find Out Your Next Right Step to Time and Money Freedom

If you are ready to personally implement Infinite Banking, alternative investments, or cash flow strategies to keep more of the money you make, book your strategy call with The Money Advantage advisors today.

Turnkey Real Estate Links & Mentions From This Episode:

Learn more about how you can improve your results with turnkey real estate with Jeff Schechter,

If you’re ready to get the best life insurance for the best price, then I’ve got a secret here about the cost of whole life insurance you need to learn about FAST.

Everyone asks, "How much does whole life insurance cost?" But that's the wrong question.

A quick secret for success in getting the best life insurance policy: a properly structured whole life insurance policy creates cash value that is an ideal place to store cash.

Note: We aren't talking about your typical, off-the-shelf whole life product. Rather this is whole life custom-designed for Privatized Banking, with maximum early cash value and long-term growth.

https://youtu.be/H1Pz7bX8Nug

The point of this secret is: whole life insurance is tough and enduring insurance, PLUS a knockout savings tool on steroids.

It starts out the gate with high cash value. But you won't have access to as much as you've put in right away. Once you overcome the minor lack of liquidity in the very first years, you reach a crossover point where you have more cash available than you've put in. 

Starting at that point, there's no more cost to you, and every year afterward for the rest of your life is growth.  Yes, there are internal costs to the policy, and we'll discuss those in a minute, but what matters is how it impacts you.

As a wealth creator, here's what this really means: as soon as you switch your lens from a short-term to a long-term - dare I say multigenerational life-time focus - whole life insurance becomes the most robust and extravagant savings tool imaginable.

Table of contentsWhere Whole Life Insurance Fits in the Cash Flow SystemWhat Do People Mean by 'Cost'?Breaking Down the Real Value of Whole LifeCash Value Growth: Your Money on SteroidsLiquidity and Access: Using Your Money While It GrowsGuaranteed Benefits: What You Can Count OnCost Comparison: Whole Life vs. Term + Invest the DifferenceWhat Actually Happens Over 30 YearsThe Reality of Term InsuranceWhy Whole Life Wins Long-TermTax and Estate Planning BenefitsTax-Advantaged GrowthTax-Free AccessLegacy Planning AdvantagesWhy Framing Matters: Expense vs. AssetThe Bottom Line on Whole Life Insurance Cost

Where Whole Life Insurance Fits in the Cash Flow System

Life insurance is great, but it's not the one and only thing for financial success. Rather, it's one step in your journey to time and money freedom.

That’s why we’ve developed the 3-step Business Owner’s Cash Flow System as your roadmap to go from just surviving, to a life of significance, purpose, and financial freedom. 

The first stage is the foundation.  You first keep more of the money you make by fixing money leaks, becoming more efficient and profitable. 

Then, you protect your money with insurance, legal protection, and Privatized Banking.

Finally, you put your money to work, increasing your income with cash-flowing assets.

What Do People Mean by 'Cost'?

When people say whole life insurance is "expensive," what exactly do they mean? Usually, they're talking about the average cost of whole life insurance premiums. That's the amount you pay each year to keep your policy going.

And honestly, I get why whole life premiums seem high at first. When people see the premium amount, their first reaction is often, "Whole life is too expensive."

But here's where most people make a complete mistake. They focus on the premium without understanding what that premium is actually buying.

The word "cost" implies you're paying money and getting nothing back. Like when you pay for gas, that money is gone forever.

But that’s not what's happening with whole life insurance. Because when you understand what's included in that premium, the whole conversation changes.

Breaking Down the Real Value of Whole Life

Cash Value Growth: Your Money on Steroids

Compared with other savings tools, specially designed whole life insurance gets better growth with a 3 – 5% internal rate of return over a 20+ ye...