About Cash Flow Insurance
These are all different names for a very similar concept, which is using permanent life insurance as a way to become your own bank and build lasting wealth. It's a proven concept that's been used by the ultra-wealthy for decades. However, not all permanent life insurance is the same, and if you set it up incorrectly, it won't serve your purposes. Your Certified Cash Flow Insurance Specialist structures your policy to work in YOUR favor. That means minimizing fees and commissions and maximizing cash value. And what really sets us apart is the amount of free education you get. Unlike typical life insurance salesmen who try to keep everything in mystery, your Certified Cash Flow Insurance expert will answer all your questions and take as much time as you need so you fully understand the process before you start your own Cash Flow Insurance plan.
No. Generally, it takes a few years to fully capitalize your Cash Flow Insurance plan. But there are different ways to set up your account, and if even if you're older, you may be able to capitalize your account much more quickly with various funding techniques. The best way to find out how it can work in your unique situation is to request a free, no-obligation consultation with one of our Cash Flow Insurance experts.
First things first. Cash Flow Insurance is not an investment in the traditional sense. It is a great savings vehicle with a contractually guaranteed earnings component. Unlike investments that can go up or down in value, a Cash Flow Insurance plan cannot lose money. So it's really more about saving than to make it work -- that really depends upon how you want to use it. You can easily set up a small Cash Flow Insurance plan for as little as $200 per month. Generally, your money will grow most efficiently if you add at least $350 per month. Of course, the more you put in to your Cash Flow Insurance plan, the more you'll be able to use it to your advantage.
There are several reasons. First, the government restricts the advertising of this special type of insurance. The second reason is that the financial services industry don't want you to know about this, since it is not in their financial interest. Like most of the wealth-building tools and accounts used by the ultra-rich, word of mouth is the primary way people find out about Cash Flow Insurance.
Even though it sounds too good to be true, thousands of people use this system every day and automatically grow their wealth with every use. The "magic" is that you are not actually taking your own money out of your Cash Flow Insurance plan. Instead, you are borrowing other people's money and using your account balance as collateral. This gives you the same leverage that a bank has in using other people's money to their advantage.
Yes, you pay interest on the loans you take out. However, the interest rate you are charged is competitive, and usually less than the going rate you could get at a bank or credit union. And since you are simultaneously earning interest on the entire balance of your account balance, it reduces your effective interest rate even more. And if you pay back the loan (which is optional), you will earn the exact same amount as if you had simply left the money in your policy without a loan. So why not use that leverage to your advantage and make one dollar do the work of two? Plus, if you pay yourself back with extra interest, you will come out ahead. Your Certified Cash Flow Insurance expert can show you how it all works visually on your Big Picture Report. Just set up your FREE one-on-one consultation today.
Since the IRS views the cash value in your Cash Flow Insurance plan as life insurance (which it technically is), they do not tax it. If you take a loan out against the cash value of your policy, that is not taxable either since loans are not considered taxable income.
Like any financial instrument, there are some potential small risks. But they are much less than with a typical Wall Street investment. One of the main risks is if you are unable to make the minimum required yearly premium to keep your policy active, you may be required to surrender your policy. Even if this happens, you will still get back some of the money you put into your Cash Flow Insurance plan, so it will rarely be a total loss. Another risk is if your cash value grows too much, your policy might convert into a taxable account. This is easily avoidable, however, your Certified Cash Flow Insurance expert will help you design a policy that minimizes this risk. Plus the insurance company is required to monitor for this condition and will alert you to take action if it occurs. The solution can be as simple as withdrawing some of the cash value from your policy.
Not at all. With Cash Flow Insurance, your health is your credit score. So as long as you are not terminally ill, we have a carrier for you.
Yes, we can assist your employer with offering Cash Flow Insurance as an employee benefit and in most cases, it will be a tax deduction for them as well.
Absolutely. There are many instances where one spouse is healthier than the other, so we suggest to use the healthiest person, to take advantage of the lower insurance cost and maximized wealth growth.
Actually, no. We have partnered with the top rated carriers that have been offering this insurance for years. They are all rated A, through A.M Best and have been paying out a dividend for over 15 years.