It can be hard to understand how an insurance company can make loans at rates lower than they are earning. This session shows how it's possible.
life insurance retirement plan
16 posts
The goal of this post is to show you a few simple Rules of Thumb that can be used to calculate the amount of savings necessary to generate a target income in retirement. I want to show you how the 4%-Rule and the 8% -Rule can be used to back into a savings requirement.
The goal of this post is to show how a life insurance policy can generate two to three times the income from the same amount in other forms of savings.
Maximum over-funded life insurance is the best way to save your emergency fund because it maximizes returns while minimizing risk and maintaining liquidity.
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 […]
I just saw this article from Bloomberg today… https://www.bloomberg.com/news/articles/2017-08-21/how-far-does-1-million-savings-go-in-retirement-state-by-state It doesn’t have to be that way. The common “Rule of Thumb” used to be the “4%-Rule”. You can take out about 4% of your savings each year and expect your savings to keep up with inflation and ride the ups […]
Most people don’t realize how powerful life insurance is for creating tax-free retirement income. Did you know that dollar for dollar, a Life Insurance Retirement Plan (LIRP) will provide about 2 to 3 times the income than a traditional retirement plan? EVERYBODY asks me: “How do you get income from Whole Life or Indexed Universal Life?”
Are These Common Life Insurance Myths Keeping You From Maximizing Retirement Income? Introduction A big part of my business is helping sophisticated real estate investors learn how they can put their money to work in two places at one time by leveraging the cash value of a maximum over-funded life […]