Whole Life Insurance, an asset class for general public for your Portfolio.

Watch the  CNBC interview video below about how Whole Life Insurance is a safe asset that should be considered for your portfolio. You can be sure of a beyond decent return.

It is now an asset class for the general public. It has always been for banks, corporations and college endowments.

CNBC Whole Life Insurance is a Safe Asset


Click here to view video


9 reasons to add whole life insurance as one of your assets, according to the CNBC interview.


1. High Rates of Return.

2. Mortality is recession proof.

3.Tax Free Gains.

4. Not correlated to stock market

5. Can be used for Charity.

6. Safe bet long term investment with

7. high interest rates,

8. virtually no volatility and it has

9. a lot of liquidity during your lifetime.

Whole Life Insurance is not bad if you understand how it works.

Why I offer one specific patented designed Dividend Paying Mutual Whole Life and NOT Universal Life or Equity Indexed Universal Life for the best ‘living benefit’ asset?

1.  UL & EIUL have too many moving parts and they are tied to the fluctuating market index.

2.  They have not been around long. Whole Life has been around for over 150 years.

3.  Top 3 largest insurance companies do not offer UL or EIUL because they are too risky. Banks shift risk away from themselves, so do what banks do. The insured is taking on the risk with these policies.

4.  Again, Do what banks do – one of their base reserves or tier one assets is cash value mutual life insurance policies, because they are safe and secure.

5.  Most importantly – UL & EIUL do not offer paid-up additions which are what drives the best choice insurance policy’s growth. If you borrow $25,000 from a UL policy and then pay yourself back, you get no additional PUA, insurance which is paid up for life with a one time premium. This is what drives the WL policy set up for banking.

6. C.O.I. Cost of insurance. With UL the cost starts low but gets more expensive as you age which becomes a drag on the cash value over time, and usually causes the policy to lapse at the age you need it most. A lapsed policy can create a tax burden right when you can least afford it.

7. Dividends are based and paid on the Face Amount with WL, not the Cash Value which is a lower amount until age 121. Who earns the dividends with a UL policy? The stock holders. Who earns the dividends with a WL with a mutual company? The policy owner.

8. Lastly, there are just too many “if’s”. This is guaranteed “if”. That is guaranteed “if”.

Universal life is a contract that shifts almost all the risk to the insured. As you read the contract or even the illustration, take note of the many times “if” is used. When there are guarantees, note that they are contingent on some subtle but dangerous “ifs”. If all premiums are paid. If all premiums are paid on time. If all loans are paid. If all loans are paid on time. The results and stability of the contract has its own “ifs”. If mortality experience remains constant. If market rates perform as expected. If  management and operation cost remain the same. Where is the risk to the insurance company?

Now if all these areas remain the same then the owner is free of worries right? Wrong! The cost of this insurance per thousand goes up each year it is owned! Look at an illustration and find the word LAPSED. It means just what it says. After a lifetime of paying premiums, when a person is most likely to need it, they have no insurance! If that person has used the policy to bank with, they most likely created a tax bill by lapsing the policy when they can least afford it.

Call me and I will show you how the math works for proving the cost of insurance increases annually.

The insurance policy I offer has three major unique advantages you will not find anywhere else.

1.  How do you make the most of your policy as your own banking system?  We have a unique education system. We personally train and educate you and direct you to the most educational resources. We stay in touch and support you for a life time either monthly, quarterly, semi annually or yearly, it is your choice. We work with experts in the financial field who are also utilizing their own banking systems. And the company we use to service your bank has created an awesome software for the clients to know exactly what is going on in their policy with loans, etc.

2.  Our company’s Maximum Cash Accumulation solving software provides 60% cash value from day one of your policy. This is such a huge advantage. Regular policies offer zero cash value for 2 years and a few hundred in years 3 or 4.

3. We also offer the capability of enhancing this specific policy with the award winning software system for financial guidance and tracking with lifetime, live help from an award winning company.

Call me today or complete our  Confidential Questionnaire. At least take a look before forming an opinion based on hearsay, spam or your past experience. (845) 649-7487.


Nelson Nash’s Thoughts On Universal Life And Variable Life

Universal Life was invented in the early 1980s by E. F. Hutton, a stock brokerage firm that, in my opinion, knew nothing about life insurance.  Remember the television commercial, “When E. F. Hutton speaks, everyone listens.”  Have you heard him say anything lately? They don’t exist anymore! UL was nothing more than “one-year term insurance with a side fund of an interest-bearing account.” It was an attempt to “un-bundle” the savings element and the life insurance element of a whole life policy — something that can’t be done, if one understands the concept of whole life insurance.

This happened during a time of high interest rates and it “looked good” in the early years of the policy. When I first saw the policy I ran some illustrations and they kept “falling apart” when the insured attained age 65 to 70. The cost of one-year term became prohibitive at the advanced ages and “ate up the cash fund” from that point forward. Therefore, I never sold one of them when I was in the business — and I surely wouldn’t buy one!

Next came Executive Life out in California. They made a “big splash” in the business and ultimately went broke. I understand that policy owners actually lost money with their policies.

Does the name, Michael Milken, mean anything to you? He did prison time as a result of his financial shenanigans. Would you guess where he was selling all of those “junk bonds?” If you replied, “Executive Life,” then go to the head of the class! Would you like your financial future in the hands of people like that?

Lastly, there came Variable Life, invented by Equitable Life Assurance Society. It was nothing more than one-year term insurance with a side fund of a mutual fund. There are more mutual funds than there are stocks. No mutual fund is any better than its manager. The great preponderance of mutual fund managers had never seen a down-turn in the market until the recent one.

I suggest that you read THE TRUTH ABOUT MUTUAL FUNDS. Then read THE BATTLE FOR THE SOUL OF CAPITALISM by John Bogle, the originator of The Vangard Fund. These two books are vital to the understanding of what goes on in that industry. Also read PIRATES OF MANHATTAN by Barry Dyke. Upon completion of these three books you should be adequately informed to make an intelligent decision as to whether you should consider Variable Life.

I was with Equitable Life when Variable Life came on the scene. I never sold one of those policies — and I would never buy one. I do not recommend its use for the Infinite Banking Concept.

The tragedy of our times is that the life companies never spent any time on understanding Dividend-paying Whole Life Insurance and teaching the buying public its characteristics.

December 16, 2009 · Jennifer · 8 Comments
Tags: , , , , , , , , , , , , , , , , ,  · Posted in: BANKING with INSURANCE, CNBC - Life Ins. New Asset Class, FINANCIAL EDUCATION 101, NELSON NASH, Nel­son Nash’s Thoughts On Uni­ver­sal Life And Vari­able Life, Universal & Variable Life Not For BANKING, VIDEOS

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