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Blog 65 – Everything You Ever Wanted To Know About Paid-Up Additions – Part 4

The most common dividend options for dividend-paying whole life policies are paid-up additions, paid in cash, reduce premium, and accumulate at interest.

Of the four options, paid-up additions will produce the most amount of cash value and will also increase the amount of death benefit. The reason is that you purchase paid-up additions which earn dividends which then purchase more paid-up additions resulting in a compounding effect or exponential growth in the amount of cash value as well as in the amount of death benefit.

2020 April BankNotes

“This is R. Nelson Nash” in His Own Words
The following was put together in January 2018 by R. Nelson Nash for the
2018 IBC Think Tank Conference. I thought it appropriate to share on the
anniversary of Nelson’s passing (27 March, 2019). — David Stearns
A person’s thoughts over a period of time ultimately results in a set of core
beliefs—a mindset—some call it a worldview—that controls human action
and gives life meaning and purpose.

Blog 64 – Everything You Ever Wanted To Know About Paid-Up Additions – Part 3

A flexible paid-up additions rider allows the policy owner to increase or decrease the contributions to the paid-up additions rider within a range specified at policy issue. The policy owner is free to make these adjustments at any time during any payment period of the policy.
The level paid-up additions rider does not provide the same flexibility to adjust the premium going towards it. The level paid-up additions rider assumes that the policy owner will pay the same amount year-over-year towards the rider. If the policy owner reduces the premium going to this rider, that reduction can become permanent.

Blog 63 – Everything You Ever Wanted To Know About Paid-Up Additions – Part 2

To use dividends to purchase paid-up additions, you just elect the paid-up additions dividend option.
The other way to purchase paid-up additions is through an elective rider. You choose this rider and make payments to the rider to purchase paid-up additions with your own money. Essentially, you elect to pay the insurance company more money than it requires to.

2020 March BankNotes

Norman Vincent Peale’s Timeless Advice: Take Charge of Your Own Life, First

Dr. Norman Vincent Peale’s ideas are especially important today, when envy
and jealousy seem to permeate much of our politics.

by Lawrence W. Read

The more jealousy one has in his nature, the more critical he is of those who have accomplished things. If you are critical and mouthing negativisms it could be that your own failures are caused by a mixed-up, hate filled mind.

Blog 62 – Everything You Ever Wanted To Know About Paid-Up Additions – Part 1

In this blog we are going to concentrate in the definition of paid-up additions and in future blogs we will be going deeper into the types of paid-up additions riders and how to use them to maximize the cash values of your whole life policies.

Paid-up additions are mini paid-up whole life policies that attach to your base whole life policy. They have a death benefit and a cash value and as its name implies, they require just one single premium payment and they are forever paid-up. In other words, you keep the death benefit of the paid-up additions and its cash value without ever paying any additional premiums.

2020 February BankNotes

On March 27, 2019 — not two months after that year’s Think Tank — Nelson graduated (Passed Away). Things didn’t feel the same this time as we shuttled downtown late Tuesday morning. Though attendance this year would be the greatest in eight years, this one man’s absence was obvious and painful.

2020 January BankNotes

As in the grocery business that we discussed earlier, you must first study the banking business so that you have a firm grip on what it is all about and feel that you can run such a business. Without this confidence you are fighting a losing battle. This, too, is a very competitive business.

Blog 61 – Happy New Year, Happy New Decade

Although you may be discouraged of your progress in some areas, we are sure that you will be proud of your accomplishments in other areas, and perhaps one of them for many of our clients is your success towards achieving financial independence.

We define financial independence as a financial situation in which you have enough money set aside to take care of unexpected financial challenges and also enough money to take care of opportunities that become available to us. Believe us, when you have money available, opportunities are constantly knocking at your door.

2019 November Lara-Murphy Report

Democratic presidential candidate Elizabeth Warren has been throwing out so many ludicrous campaign promises that she makes Andrew Yang—the guy literally trying to send everyone a monthly check from Uncle Sam—look reasonable in comparison. Recently, in order to explain how she’d pay for her $52 trillion (over ten years) “Medicare for All” program, Warren doubled her proposed wealth tax on billionaires, from the original 3% now up to 6%.

To repeat, this is an annual tax on wealth, not on income.

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