Asset Safety & Benefits Comparison – How Much of Your Money is in JAIL?

Are You Looking For an Alternative to Wall Street

HOW DO YOUR ASSETS & INVESTMENTS MEASURE UP?

Jail

I am using a system that is providing the ultimate solution for debt elimination, wealth building, retirement planning and legacy planning like you have never seen before. This system of using specially designed dividend paying whole life insurance with a mutual company as a privatized banking vehicle will transform your life, it has mine.

Compare your current portfolio of investments and other wealth building strategies with this unique system and hopefully you will recognize how special and effective it truly is.

After taking the comparison questionnaire, if you find what you are currently doing isn’t scoring a 15 out of 15, all in one convenient system then give me a call, Jennifer Hansen at 649-7487 so I can begin the process of determining whether you are a fit for this system with our free look and question & answer session which will include an illustration specific to you.

Our policies are designed for living benefits. They have a maximum cash accumulation design so it is made especially so it can be used as a funding source for financing purchases with. You could say it is a living benefit with a death benefit as the icing on the cake. We show you how to create your own banking system, capture interest you are currently paying other lenders and earn tax advantaged income all at the same time with the same money. And if you think you are not financing anything because you pay cash for everything, you are mistaken. You see just because you are not paying interest to somebody to borrow their money because you are paying cash, in actuality you are borrowing from your own account thereby giving up the interest you were earning and could be continuing to earn for the rest of your life has you not drained that account. Lost opportunity costs add up and must be included in all our financial calculations.

Here is a list of some wealth building financial vehicles or strategies to compare our private reserve financing system with.

* Qualified Retirement Plans – IRAs, Roths, 403bs, 401ks, SEPs, Keoghs etc.

* Mutual Funds

* CD’s or bank savings accounts

* Annuities

* Real Estate – Your home or rental properties

* Gold and other precious metals (“There’s something peculiar about buying an asset that will only go up if the world goes to hell” – Charlie Munger on gold)

* Stocks, Bonds, ETFs

* Your Own Business

Begin your survey comparison NOW.  Click here for a printable PDF version of the Asset Safety and Benefits Comparison

PLI = Permanent Life Insurance

1. DEATH BENEFIT. – Does your investment create an “Instant Estate” or “Death Benefit?” For example, does $20,000 into real estate or mutual funds generate a $200,000 to $500,000 Death Benefit? Of course the premium and death benefit depend on your age and health.

PLI:        X Yes .__No

Yours:  __Yes. __No

2. CREDITOR PROOF. – Are your investments creditor proof? In most states, this unique policy protects you against creditor attacks judgments and lawsuits that could take away your assets. (Check with a qualified professional in your state)

PLI:         X Yes .__No

Yours:  __ yes. __No

3. FAMILY LEGACY. – Are your investments estate tax free? Check your own investments. Are your current investments going to be part of your taxable estate? Life insurance proceeds in most situations are estate tax free. (Some limitations apply. Consult with a qualified financial professional.) Is leaving your loved ones a way to continue living the lifestyle you have created for them, after you have passed, important to you? If so, Is your current life insurance going to last till you pass? Most Term Life policies do not, as they are not LIFELONG policies.

PLI:         X Yes .__No

Yours:   __Yes. __No

4. GUARANTEES. – Note: This question is divided into five parts. Each part is powerful and could necessitate our survey going to 19 questions, but we’d rather keep it simpler. Check your investments against all 5 of these GUARANTEES.

4a. Guaranteed Growth (Cash Value and Face Value): Will your plan increase by a contractually guaranteed rate each year? Just for fun ask your real estate or stock broker, bond or business associate if the product they are selling guarantees at least a 4% gross rate. This is calculated using the cash values as well as the cost of insurance for each person.

PLI:        X Yes .__No

Yours:  __Yes. __No

4b. Guaranteed No Loss of Principal: Are your investments guaranteed not to lose the principal balance, including all of the growth from the contractual guarantees and possible dividends? Have you ever had stocks go down in value? In the last huge dot.com meltdown. 499 of the 500 largest mutual funds went down in value. They were so seriously underwater that it took years to recover.

PLI:        X Yes .__No

Yours:  __Yes. __No

4c. Guaranteed Level Premiums: This policies premiums will never change. Your premiums are guaranteed to remain level. In addition, with one of the unique riders our policy utilizes, you can continue to purchase PUA insurance till you are 75 years old, regardless of whether your health rating were to change! And you purchase that death benefit as if at the age you were when you began the policy.

PLI:        X Yes .__No

Yours:  __Yes. __No

4d. Guaranteed Disability Protection: Will someone continue to contribute to your investment if you become disabled? Adding a Disability Rider will give you peace of mind that if you were ever to become disabled, the Insurance Company will pay your premiums for you. This protection is an optional, added charge to your policy.

PLI:        X Yes .__No

Yours:  __Yes. __No

4e. Guaranteed Returns: One aspect of these guarantees does not readily meet the eye, it is that you can see an illustration and calculate the returns (some are contractually guaranteed – others are non-guaranteed projections), face value and cash value growth and see the numbers before you implement your system. You can know the exit before you go in the entrance. For fun, ask any other investment advisor for actual projections and guaranteed returns on any other type of investment. The company we use, has been around for 106 years and has paid tax free dividends to their policy holders, consecutively, for that time. They are very conservative with their non-guaranteed illustrations as they would rather promise less but give more, rather than the other way around.

PLI:        X Yes .__No

Yours:  __Yes. __No

5. TAX-DEFERRED GROWTH. – Is your money growing tax deferred? Can you access the growth of the investment tax free? Like a 401(k) or other qualified retirement plan, the money inside your plan is growing tax deferred. In addition, you can access all of the growth from the guarantees and dividends on a tax free basis by borrowing from the policies collateral capacity within 2 to 4  weeks of set up! You can do this without having to collapse the policy to access the money. With most other investments, including a business or real estate, the sale of the asset is required to have access to the appreciation of the investment. Not so with our policy. You can access the appreciation by using it as a guaranteed collateral for a loan from the insurance company, but the asset stays in place and continues to grow!

PLI:        X Yes .__No

Yours   __Yes. __No

6. LACK OF RESTRICTIONS. – What limits do you have on your investments? While most forms of investment don’t have restrictions to the level of contributions, the same cannot be said for 401(k)s, IRAs and corporation pension plans. The limits and restrictions on contributions in these plans can be discouraging and the red tape on withdrawals can be onerous. Our policy has no such limits.

PLI:        X Yes .__No

Yours:  __Yes. __No

7. DIVIDENDS. – Do your current investments pay you tax free dividends? The dividends paid in a whole life policy are really a return of premium. If the company does well (lessen expenses, etc.) the potential dividend is higher. These dividends are not taxable, so 100% of this money immediately goes to work for you. All other dividends from stocks, interest from bonds, and other debt instruments; royalties from oil wells; rents from real estate; and net profits from business are taxable when earned.

PLI:        X Yes .__No

Yours:  __Yes. __No

8. RETIREMENT DISTRIBUTIONS. – Can you access your retirement money on a tax-free basis? Here’s where Our System moves to the head of the class.

Ours: (1) You can pull out all contributed premiums tax-free (like a Roth IRA). (2)  You can borrow out monthly or annual income – at your choosing. If you do not need the money at retirement there are no restrictions on when you must withdraw the money, unlike mandatory distributions of a 401(k).

PLI:        X Yes .__No

Yours:  __Yes. __No

9. COLLATERAL. – Can this type of money or equity or asset be used as collateral for a loan with no questions asked as to why you want to borrow the money?

PLI:        X Yes .__No

Yours:   __Yes.__No

10. CONTROL, CONTROL, CONTROL. – Do you have control of your investments? Think about all of your investments, all of your business interests, and compare it to this, the word ‘control.’ The whole idea of our uniquely designed policy is to have your own Secure Banking System for liquidity, use, and control. Liquidity, use and control can help solve the three major problems in life: setting up an emergency fund, meeting living expenses and your lifetime financing needs, and planning for a great retirement. You are fully in control of your finances.

PLI:        X Yes .__No

Yours:  __Yes.__No

11. LACK OF RISK. – How much risk is involved in your choices? Is your money safe? Have you been taught you can only earn high returns by exposing your money to high risks? Our way offers high returns for low risk.

PLI:        X Yes .__No

Yours:   __Yes.__No

 

12. LACK OF PENALTIES. – Do you have access, free of penalties associated with using your money whenever and however you want to? How many penalties are there for each investment class and how severe are they?

PLI:        X Yes .__No

Yours:  __Yes.__No

 

13. LEVERAGE. – Do your assets create the most amount of wealth for the least amount of money? Are you able to earn 30%, 40%, 50% returns on your money, with no risk? Banks do, and even higher percentages than that, so why not you?

PLI:        X Yes .__No

Yours:  __Yes.__No

 

14. FINANCIAL AID. – Our system, unlike all other assets, is not taken into consideration for need based financial aid calculations, as it is not an investment, it is a life insurance product. How much educational financial aid are you losing due the placement of your wealth?

PLI:        X Yes .__No

Yours:  __Yes.__No

 

15. PRIVATE RESERVE  SYSTEM. – Does your investment allow you to mimic the basic functions of a corner bank? Let’s not forget why we set up this unique system – it was to be our pool of cash to collateralize for financing our lives with. It was for loans for cars, equipment, mortgages and vacations.

Our unique patented policy design, whole life insurance system is the tool that helps you volumize and velocitize your wealth. Imagine never needing to borrow from someone else’s bank again. Can you put a dollar amount on this hassle-free way to live your life?

Look at how difficult it is to access the money with other plans:

REAL ESTATE: 3 options: Access your money with a cash-out refinance, take out a second mortgage or sell the property. Keep in mind that obtaining a loan can be difficult if credit markets tighten.

STOCK MARKET: Margin (borrowing) is allowed in most accounts usually up to 50%. This is considered debt, using the underlying stock as collateral. Very Risky! If the stocks go down, you’ll need to inject more money to your account. Banks believe this is too risky.

BUSINESS: Yes, loans can be taken out from banks and leasing companies. Business owners know how hard it can be to get a loan from a bank. Banks always require your “first born and adequate collateral” and all of your assets. “All other investment types create debt, hassles and problems. Only our life insurance policy reverses the flow of money and gets you on the right side of debt, turning liabilities into assets.”

PLI:        X Yes .__No

Yours:  __Yes. __No

Summary of assets and investments comparison with our uniquely designed whole life insurance policies banking abilities.

So once again, think back through all of your assets/investments, indeed all of your business interests, past these fifteen survey questions to see how they match up. We are sure some of you will say, “Oh, I’ve got that, and I’ve got that one,’ However, how did yours measure up to the power of all fifteen? Three out of fifteen. Six out of fifteen. Scoring a perfect fifteen is where this unique policy stands alone as a wealth management system that will work for you.

Would you consider it valuable to you if at the third years premium payment, each premium generated more cash value than the premium itself? And, how about once you have fully paid for the cost of the death benefit within between 5 to ten years, depending on your age and heath status, any premiums after that point are just generating more and more death benefit, cash value and dividends.

Our uniquely designed policy can be utilized as an Easy-To-Use and Profitable financing System.Read about the 30 Benefits Of Owning Your Own Banking System here.

If you would like to investigate this unique privatized banking concept with us, via on-line webinar, explaining how it could function for you in more detail, please contact me today so we can set up an appointment. Jennifer Hansen 845-649-7487 or Jennifer@DebtDiagnosis.com.

Call me now for your free-of-charge, no obligation, discussion and personalized illustration.

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June 4, 2011 · Jennifer · No Comments
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