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I Need Life Insurance

Retirement Income Booster

Debt Free 4 Life

I Need Life Insurance

Life Insurance Overview

How to use little $$$ to pay for BIG $$$ problems in the future.

Life Insurance can provide you with financial protection against 3 possible risks over your lifetime.

Dying sooner than expected - Replaces your income if you pass away sooner than expected.

Getting sick along the way - Allows for early access to the death benefit if you become terminally ill or permanently lose 2 or more Activities of Daily Living (ADLs).

Living longer than expected - Living well into your 80s and 90s is a strong possibility. Over a 25-30yr retirement, it’s probable that you will experience 2 or more recession events. The cash value in whole life or universal life insurance can be used to provide financial protection against outliving your retirement income. Not to mention smart tax advantages.

Types of Life Insurance

Term Life Insurance

Universal Life Insurance

Whole Life Insurance

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Term Life Insurance

The Problem It Solves - Income replacement if you die too soon

Only protects against 1 of the 3 risks - dying sooner than expected

Is temporary insurance but if you become terminally ill or your health declines during the period of term coverage it can be converted, at an additional cost, to permanent life insurance without needing to medically re-qualify.

Is ideal for younger healthy adults looking for an inexpensive way to cover their primary risk of dying sooner than expected. As you get older, your primary risk shift from dying too soon to getting sick along the way (around retirement age) and from getting sick along the way to living longer than expected (towards the end of your retirement years.) Term insurance becomes less suitable once you retire.

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Universal Life Insurance

Problem It Solves - Protection from all 3 risks + it can be used for as a Tax Efficiency Tool and Future Tax Free Income

Protects against all 3 risks - dying sooner than expected, getting sick along the way, living longer than expected.

Is permanent insurance and stores semi liquid equity (cash value) that can be accessed in the future.

Buy Term -- Invest the Rest model that uses fixed accounts, indexed accounts and mutual funds. When it is set up correctly it can be very effective "Mega Roths" used by High Net Worth and High Earners. Not ideal for under $100k a year earners.

This type of life insurance is widely misunderstood by most life insurance professionals and can be risky when it is not set up properly. 8,000,000 Americans this year between 78-90 years old will have their Universal Life Insurance canceled because it was improperly funded and/or poorly managed. Years of premiums paid to the insurance company with no death benefit payout...

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Whole Life Insurance

Problem It Solves - Protection from all 3 risks + can be used as a Tax Efficiency Tool, a Debt Control Tool, a Secure Storage of Liquid Cash...and more

Protects against all 3 risks - dying sooner than expected, getting sick along the way, living longer than expected.

Is permanent insurance and stores liquid equity (cash value) that can be accessed at any age, for any reason. Duration of premium payments can be set for 1, 10, 20 years, or until you are 75 or 100 yrs old. Which duration is best, depends on what problem you are trying to solve in addition to life insurance protection.

Is also referred to as the “and” life insurance policy, in that it provides full risk protection AND is a customizable tool to use to solve multiple other problems. Ideally funded between $6500 -$75k a year depending on what “and” you want to use it for.

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Life Insurance

I Need an Income Boost For My Retirement

Boost Your Retirement Income

For High Earners

It's difficult for high earners to replace their income in retirement. Due to limitations, traditional retirement plans are typically insufficient...

IRAs, 401k, 457, 403b all have limitations on how much income you can contribute each year

The more you grow your investments, the higher your tax bill will be in retirement

It takes up a lot of your current income to amass the wealth needed to replace your income in retirement

Adding the Income Booster Upgrade to your retirement plan can create the tax free income boost you need to maintain your current lifestyle in retirement.

Eligibility Criteria

1. Earn at least $100k a year

2. Be between 18-65 years old

3. Can contribute a minimum of $25k a year for 5 years consecutively

Add an INCOME BOOST Upgrade

Income Booster

I Want to Be Debt Free 4 Life

Debt Free 4 Life

Pay Back Your Debt the Smartest Way

Debt payments drag down your assets in retirement. Carrying unwanted debt into retirement will cost you...

Your debt interest compounds at a much higher rate than the stated APR

You'll have to draw extra money to make your debt payments, increasing your taxable income levels...double hit to your retirement assets

Adding the Debt Free 4 Life Upgrade to your retirement plan will get rid of your unwanted debt quickly and will keep you debt free the rest of your retirement.

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