Many misunderstand cash value life insurance, believing the company keeps the cash value at death. In reality, cash value forms part of the death benefit. This structure allows the insurer to manage risk conservatively while giving policy owners access to growing value for innovative financial strategies.
maximum overfunded life insurance
5 posts
Have you ever heard the expression: “life insurance is not an investment” or that “you should keep your life insurance and your investments separate“. Its hard to do due diligence into leveraging life insurance without coming across people saying this. The goal of this article is to show you that […]
The goal of this post is to show you how you can achieve an Infinite Rate of Return when you invest in Real Estate using a Maximum Over-funded Life Insurance Policy.
The goal of this article is to help you understand that because the cash value is part of the Death Benefit, Accelerated Living Benefit riders have limited value in a maximum over-funded policy after the Death Benefit is reduced.
In this post I discuss how to get the most cash value in a permanent life insurance policy. What makes a policy a maximum over-funded life insurance policy? How do you know when it is maximum over-funded? What does having a maximum over-funded policy design allow you to do?