Asset Safety & Benefits Comparison.

Are You Look­ing For an Alter­na­tive to Wall Street

HOW DO YOUR ASSETS & INVESTMENTS MEASURE UP?

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.

Share

June 4, 2011 · Jennifer · No Comments
Tags: , , , , , , , , , , , , , , , , , , , , ,  · Posted in: Asset Safety & Benefits, Assets and Investments Benefits Comparison, Life Insurance with Living Benefits, Wall Street Alternative

Leave a Reply