Blogs

13 Nov

Blog #49 – Questions to Ask AFTER You Apply For Life Insurance

Now we continue the conversation to discuss the questions and decisions that come into play during the application process. These questions are relevant to whole life insurance and may not apply to other types of life insurance, especially types with little or no cash value, or life insurance that does not guarantee the death benefit permanently. How will you know? Ask the questions!

10 Oct

Blog #48 – Questions To Ask BEFORE You Apply For Life Insurance

Questions To Ask BEFORE You Apply For Life Insurance
Nobody wants “buyer’s remorse” when it comes to something as important as life insurance! And yet, we hear it all the time… policy owners who wish they knew what they know now before they bought their policy!
Today we’ll give you some questions to consider early in the process. (There are also questions to consider later, such as specific riders, amount of insurance, beneficiaries, but first things first.) There are important questions you may not know to ask, and additionally, there are the questions that everyone asks that may be less important than you think!

06 Sep

Blog #47 – The Myth of Direct vs Non-Direct Recognition

Although you might be disappointed, the truth is that one method is not necessarily superior to the other. Direct recognition versus non-direct recognition is more a game of smoke and mirrors used by the insurance companies themselves to keep your focus away from what is really important. In fact, there are good and bad insurance contracts in both direct and non-direct recognition insurance companies.

09 Aug

Blog #46 – Strategies for More Income in Retirement

The biggest fear that people over the age of 60 have is running out of money in retirement. And for many Americans, this is a very real risk, not an irrational phobia.

16 Jul

Blog #45 – Where Should You Store Your Savings?

The answer is in an Infinite Banking policy. Nevertheless, most Americans put the amount they intend to save at risk by placing them in qualified plans, which are nothing more than investment vehicles controlled, not by you, but by the government, Wall Street and your employer. We would like to compare an IBC policy to qualified plans on four key elements.

14 Jun

Blog #44 – Private Lending: A Good Opportunity To Increase Your Wealth

Not only does private lending help diversify a stock-heavy portfolio, but through private lending, it is also very easy to diversify amongst different types of assets, or real estate investments, in different locations.

08 May

Blog #43 – Cash Flow Is King

Have you taken a “30,000-foot view” of your finances lately? Is it positioned for the growth, strength, stability and cash flow you desire? To help you answer that, let’s examine asset allocation and diversification.

26 Apr

Blog #42 – History And Characteristics Of Modified Endowment Contracts

Congress established a statutory definition of life insurance in 1984 in IRC Section 7702 that was a significant step in eliminating the favorable income tax treatment of investments disguised as life insurance. In 1988 Congress further tightened the tax rules that apply to life insurance. Under these rules governing the taxation of life insurance, any life insurance contract becomes a modified endowment contract (MEC)and is subject to less favorable income tax treatment if it fails to meet the 7-pay test.

09 Apr

Blog #41 – Getting Old In America

The Center for Disease Control calculates that overall life expectancy in the U.S. is presently 78.7 years, with women outliving men by an average of 5 years, or 81 years vs. 76 for men. (Longevity is one area where there is no gender equality.)

05 Apr

Blog #40 – Everything You Ever Wanted To Know About Policy Loans

When you take a loan from your Infinite Banking policy, the money is lent to you by the insurance company and it comes from their general account. Your cash value remains in your policy and it continues to earn interest and dividends while collateralizing the amount of your loan.

26 Feb

Blog #39 – Alternative Investments Are Not Correlated To The Stock Market

“Your life does not get better by chance, it gets better by change.” – Jim Rohn Investors have short-term memories and are reluctant to change, which is why so many cling to the stock market, even when it’s on a downward trend, or overdue for a correction. If you have lost confidence in the market or are simply looking for … Read more

26 Jan

Blog #38 – Happiness Brings About Greater Success – Including Financial Success

“The greatest discovery of my generation is that a human being can alter his life by altering his attitudes.” —William James, American philosopher and psychologist Why Happy People Are More Successful We tend to believe that certain conditions must be met in order for us to be truly happy: we’ll be happier when we have … Read more

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