P.O. Box 196597
Decrease costs due to Employee Wage Garnishments, Child Support and Bankruptcies. Help your Employees to fund their own Retirements by providing Financial Education and reducing the costs of creating a 401k retirement fund.
Business Owners: Finance your Business Expenses and Fund your Retirement fund at the same time (Cost Recovery Strategy)
What if you could learn to grow your money at double-digits?
Learn how to protect your retirement money from market crashes?
Borrow for a car, and make yourself richer? Grow your money tax-free?
Ask us we know how...
Your Family Bank utilizes both. It is a system that helps both individuals and businesses redirect money normally lost to debt, interest and taxes back into their circle of wealth, while at the same time ensuring that your dollar gains a positive rate of return every day.
So... Are you 100% sure you are going to have a great Retirement, or do you have some doubt?
The cheapest form of life insurance at an early age (term prices increase as you age).
Has death benefits for the term of the life insurance policy.
Needs Analysis provided to determine amount to select.
Policy amount can be limited to Income levels set by the Insurance company.
Final expense insurance is designed to cover the bills that your loved ones will face after your death.
Benefits: Whole life policies have a living benefit, and a tax-sheltered cash account that builds up inside. Clients don’t pay taxes on the gain each year, and that money can be used in retirement to supplement retirement planning. No such benefit is available with term insurance. Term insurance only has the actual life insurance coverage; there is nothing but a death benefit. In order for the benefit to be paid, somebody has to pass.
Buyers can also add riders to whole life policies, such as accelerated benefits riders, which enable someone who has a terminal illness to be able to access as much as two-thirds of the benefits while still alive. This is something that can’t be done with term insurance.
Dividends: A whole life product has dividends, and the dividends are paid out much like they would be to a stockholder of a company. Those dividends can be used to reduce the premium, or they can be used to build up the cash inside the policy and the face amount. Term life insurance has little or no dividends.
Facts: In considering whether to purchase whole life or to “buy term and invest the difference,” you must take into account not just the premium cost, but also the length of time you want coverage and your ability to “invest the rest” efficiently.
• Term insurance isn’t designed for lifetime coverage. In fact, term insurance is prohibitively expensive to maintain for the average U.S. life expectancy of 78.9 years — never mind to age 100. Term costs can average a staggering $700,000 per $1 million of death benefit, and more than $4,000,000, to age 100 for a $1 million policy.
Remember Life Insurance has a lot of Living Benefits (770 account), it's not all about the Death Benefits! Ask us how, so you can capitalize on the Living Benefits and build wealth on any Income for your Life's needs...
Put money spent on a purchase back in your pocket by financing your own spending and protect your retirement from being decimated by taxes.
The Real problem isn't the Rate of Return on Savings... It's the Interest charges and Taxes eating at your Savings.
(Get the IRS out of your back pocket)
FIXED INDEXED UNIVERSAL LIFE INSURANCE
(GetS the IRS out of your back pocket)
Tax rates are at an all-time low:
Protect yourself from Liquidity Issues, Tax Risk, Investment and Market Risk with a Tax-Free Retirement and Estate Protection with a Death Benefit. Cash Value Life Insurance has Living Benefits to fuel your retirement and leverage it for financial needs.
Diversify your retirement dollars: tax-free dollars
Roth IRAs offer Tax-Free Dollars, BUT limit the Annual Contribution.
If you are playing catch-up with your Retirement Dollars, MOST PEOPLE FAIL to consider LIFE INSURANCE as an place to put Retirement Dollars.