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An Inside Look at MEC Insurance: What Is a MEC?

Since their origin, life insurance policies have always been an advantageous way to ensure financial security for family members and grow cash value. In fact, the IRS argued that the tax benefits were too good for single-premium life insurance. As a result, Congress passed a part of the Technical and Miscellaneous Revenue Act of 1988 …

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Understanding Whole Life Insurance and Crafting the Best Whole Life Insurance Policy

Typical financial planning has forsaken one of the best financial products. Some people believe that whole life insurance does not produce a high enough return to make it worthwhile to own any longer. Typical financial planning now says, “buy term and invest the difference”. But many people are losing money because of typical financial planning! …

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An Introduction to Bank On Yourself

If you aren’t familiar with Bank on Yourself, it’s one of many different philosophies like Infinite Banking, The Infinite Banking Concept, Private Family Banking, the 770 account and others. All of these philosophies and programs have a foundation in the general principle that a life insurance policy can be used to build savings and ultimately …

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The Problem with Bank on Yourself

As Nerdwallet.com reports, “First there was LEAP, then there was Infinite Banking, also known as Becoming Your Own Banker.  Now it’s Bank on Yourself (BOY), with Pamela Yellen.”  In essence, here is what each of these different sales programs attempts to accomplish for the prospect by selling them a permanent life insurance: Save you money, …

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Everything you Need to Know about Limited Pay Life Policies

Payments. Whether for a car, house, or investment, payments are a common occurrence in many Americans’ lives. When dealing with life insurance, a payment is commonly referred to as a premium. Premiums vary depending on desired death benefit and cash value goals.  When choosing a whole life insurance policy, you can determine your premiums before …

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The Beginners Guide to Self-Directed IRAs

Smart investing means knowing your options. Many people are familiar with regular individual retirement accounts (IRAs) which hold stocks, bonds, certificates of deposit, and mutual or exchange-traded funds. However, few people understand the characteristics of another major retirement account—self-directed IRAs (SDIRA). We are going to cover what self-directed IRAs are, what their benefits and risks …

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Want to invest? Here are the Safest Investments to Start With

What Are the Safest Investments for Your Portfolio? When it comes to investing, some people look to investment opportunities with large potential returns. They may hope to make a large amount of money in very little time, and you might find this option intriguing. Unfortunately, the higher the potential return, the higher the risk of …

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What You Need to Know About Cash Flow Banking

You may have heard about cash flow banking and its ability to help you finance your own expenses, give you control over your finances, and create a financial legacy continuing in your family. Similar to the heart of the infinite banking concept, we see many benefits in cash flow banking. Read on to learn what …

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The Benefits of Life Insurance

Depending on who you talk to, you might get a variety of opinions on the value of life insurance. Because of the variation in opinions, you might be confused if life insurance is a beneficial investment or not. There are actually ways you can use your life insurance while living. We will cover the ins …

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What You Need to Know about 7702 Plans

What You Need to Know about 7702 Plans Many insurance agents market “7702 plans” as a type of retirement plan and explain it to be similar to typical retirement plans, like a 401(k). Sometimes important details are ignored in this process. We’re going to break down what 7702 plans really are, what these plans mean …

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