As you think about putting your money to work in two places at one time by using The Double Play, you may find yourself wondering, “How much can I borrow from my Life Insurance policy?” The purpose of this article is to answer that question. I want to show you […]
indexed universal life insurance
11 posts
The purpose of this article is to discuss a common interest rate arbitrage mistake that newbies make. Both newbie policy owners (and agents!) tend to get excited when they realize that the expected growth rate on the cash value of an index universal life is higher than the policy loan rate. This can lead to some dangerous financial decisions.
The goal of this post is to simply answer the question: "How soon can I access the cash value of the policy?"
This article explains IULs by comparing IUL to whole life to show how much they are alike and the key differences. We also debunk IUL myths.
Introduction Are you using a Policy Loan on Life Insurance policy for investing in Real Estate? Are you using a Policy Loan from the insurance company? If so, you need to read this article! It’s important to understand that you should never use a Policy Loan on Life Insurance when […]
If you are a real estate investor who wants to use a life insurance policy for real estate investing, you need to have a maximum over-funded life insurance policy. When you get an illustration from your life insurance agent, how do you know that the policy has been designed properly? and is a maximum over-funded life insurance policy? Understanding life insurance illustrations isn't easy.
Private banking strategies like The Double Play require a maximum over-funded life insurance policy to get the most benefit. Not every "over-funded" policy is funded right up to the legal Maximum (Minimum non-MEC). The best way to know that your policy design is funded right to the minimum non-MEC threshold is to look at the ratio of the cash value to the premium in the first policy year of your Illustration. If it is not 85-90%, then the policy is likely not designed right.
How often do you hear the recommendation to “Buy Term and Invest the Difference” when the subject of permanent life insurance comes up? Do you accept that statement at face value? Or are you like me and you need to see some proof? The Premise The premise behind “Buy Term […]
Podcast for Patriots - Podcast Interview with Tom Rutkowski discussing Investing in Real Estate Using Life Insurance.
There is a lot of fear-mongering about life insurance on social media. The Whole Life guys are bashing IUL. The IUL guys are bashing Whole Life. Securities guys are bashing life insurance. I don’t know what your motive is in making such a blunt statement without providing any facts to […]