We Sell Mutual Participating Whole Life and Convertible Term. We design each product specifically for your life needs and legacy. Schedule a Meeting »
Never again worry about being out on your own with products you don't know how to use. We're just a phone call or email away; you can expect a response Mon-Thurs within 48hrs.
Life Benefits' signature collection of timeless truths and money management strategies to increase your wealth and quality of life TODAY while creating a legacy for the next generation. » Read More
We love creating educational materials for you to learn, explore and discover financial strategies that will help you become a better manager of your money. Explore our » Learning Center to get started
Request a One-on-One Personal Strategy Session to answer any of your questions, customize your financial strategy and get ideas. This is a complimentary service we offer to you. » Request Meeting
Already have a policy? Looking for a new policy? Want to understand it better? Need a GAME Plan? Get a reliable, quick and easy assessment now. Schedule Review »
Stop guessing about your financial future. Make sure you're on track, knowing the next step to reach your dreams with an exclusive custom blueprint designed specifically for you.
The Loan Manager is your one-stop premier software program for tracking loans as assets. This software was designed and developed by Life Benefits' Team Member John McFie. » Details
Weekly Blog and Podcast, the Living Richly Newsletter, Videos and more. Master exactly what you need to know and never have to blindly trust a financial planner, life insurance agent or investment broker ever again. Subscription Options »
Basic and Advanced strategies for growing AND protecting your wealth. Contact us to find out where the next event near you is » Contact
Infinite Banking Concept, Becoming Your Own Banker, Bank On Yourself, etc. We have first-hand knowledge and experience with these concepts and institutions. Although these institutions have tried to recruit us we have chosen to remain independent because… » Read More
Imagine you're suddenly unable to work. Without an income, you quickly exhaust your savings and undermine your family's financial security. Disability Insurance ensures your earned income. We can provide you with expertise, quotes, comparisons for Disability Insurance. Contact us for a Quote »
It's no secret. The financial industry has a black eye over service and a great shortage of warm-blooded caring people! Agents and planners often disappear or fade in the background after a sale because they are busy pushing on to their next sale and the next commission. Even if they mean the best for their clients this is a serious oversight.
You deserve better. We reveal truth, and empower people to enjoy the wealth and freedom they were created to enjoy, providing 5-Star Lifetime Service and giving up over 60% of possible commissions to design products that will start working for you today instead of only years later.
But don't take our word for it check out the reviews from happy clients below.
Great service and very patient. Eager to answer all questions. Above and beyond. Rare in today's world.
I have discovered, through the time spent with Dr. McFie and his family, that PWLI is the way forward to achieving lasting wealth and financial freedom. The level of the Mcfie family devotion to their clients is apparent in the competence, passion and individual one on one discussions that are just a part of what they do to help each person specifically understand and use PWLI to the utmost. I have my first policy and am looking to start another because, with Dr. McFie's help, I now understand that I have to be able to use the money that I save perpetually to really have wealth, and I can!!!
The McFie family has been awesome!! Their knowledge, courteousness and helpfulness are unmatched!! Thanks for all you do!
Working with the life-benefits team and implementing the principles has changed not only my finances but has improved and enhanced all areas of my life.
I starting working with Life Benefits three years ago and the experience has significantly helped my financial portfolio, my understanding of how to make money work for me and how an extraordinary company services it's clients. I have introduced more friends and family to Life Benefits and will continue to do so.
I met Tom McFie over 5 years ago at a seminar and our family continues to benefit year after year from the meeting. The McFies are so genuine and accessible, answering all our questions with patience and grace. Truly a blessing to have been connected together.
The Life Benefits team is very friendly, competent and most importantly trustworthy. I have learned so much and increased my personal wealth in the last 3 years thanks to them.
The McFie's knowledge base, encouragement and customer service is excellent!
Life Benefits and the McFie family are extraordinary. They value excellence, honesty, and family to a degree that is unheard of in todays day and age. I am honored to be a part of the Life-Benefits family. I fully recommend and endorse them.
4 years ago I came to the realization that my retirement plan was only going to prosper if I took it out of the hands of the mainstream "financial industry". My 401 became a self-directed IRA and I learned about investing. That's when I became aware of the IBC concept, but where to start and with who? Living in Michigan I never considered doing business with someone on the other side of the country. After my first conversation with Tom I knew I had been led to the right place. Although we have never met physically I know I am talking to a man of high character and integrity. I look forward to our conversations because we not only talk about personal wealth building, we share our faith, talk about family , almost as if we are sitting at the local coffee shop together. I look forward to the day when we (and his team)actually do meet and I can personally say thank you for all their caring help.
The knowledge and help I have received from the entire team has been phenomenal.
The McFie's at Life Benefits operate world class business and more-so are world class people. They are in it to help you.
Life Benefit's has provided me a life changing service that has been very beneficial financially. Their customer service is exemplary before the sale and they continue to followup years afterward providing the same excellent service. There is not enough good that I can say about the products and services they provide along with courteous and friendly customer service! A very satisfied customer for over five years.
I worked hard for 30 years and saved a considerable amount of money in municipal bonds. when interest rates started to drop my bonds were called and redeemed. As I looked for places to invest I met Tom McPhee and and his family at Life Benefits. They have been extremely helpful in educating me and their resources allowed me to become my own banker.we are now able to use the same money over and over instead of just once. we have improved cash flow and are able to leave a legacy for our children.although being your own banker has been around a long time as a concept I had never heard of it before. Our experience with Life Benefits has truly been life changing.in the most positive way possible.
Life Benefits provides wonderful service and access to information that helps one understand the true benefits of working with them. I always look forward to Tom's weekly blog, they always encourage me. The team at Life Benefits "walks their talk."
I'm 6 years in, it works just like they said. I have purchased a car, several pieces of business equipment and had money for some lien months. I am glad I sold all my stocks and invested in the IBC.
It is said that Ultimately, we’re all deeply motivated by our own self-interests. When we are evaluating something, we ask ourselves “so - what’s in it for me?” Fortunately not the staff at Life Benefits what I've observe about The McFie Family since I've made that first call Til now is the "what's in it from us" approach in all they do for their clients going above and beyond all that anyone can ask or think and being that it's family oriented The Spirit of Excellence rests as a heirloom and not only do we consider ourselves clients but family we appreciate all of you it's truly an Honor to know that it's more than just a name but people's Life really Benefit! Love You All!!!
Extraordinary! It's the best word I can use to describe Life Benefits and the McFies. You know when the more you get to know someone, the less you like them? The more I get to know Tom, Michele and their family, the more I like them! Their integrity and professionalism in their handling of every situation has been second to none. I have been "taken to the cleaners" in the past, so with reluctance I climbed on board the "McFie train" 4 years ago. I have stopped waiting for the negative surprises to show up because everything they said would happen has happened exactly as they said it would. There have been no "surprises." What a great surprise! They showed me the plan - I worked the plan - and the plan worked....and continues to work beautifully. Thank you to everyone at Life Benefits because working with you all has been a tremendous benefit to my life and my family.
Can't say enough about how great it is to work with the Life-Benefits company. They are honest, responsive and know what they are doing. We highly recommend them to everyone!
Everyone at Life benefits have been very patient with us and informative on how to proceed and what policies would best fit our needs.we are very happy to have made the decision to go with Life Benefits. God Bless
I have been working with Life Benefits "The McFie Family" for almost 4 years now.. I have nothing but great things to say about what they have done for me and my family. They are honest and humble individuals. It is a blessing to have them in our life.
Very impressed with professionalism of people working for Life Benefits. John McFie was able to thoroughly answer the question regarding the deductibility of the life insurance loan interest. I was searching for the answer for almost two years, and always was getting contradicting and incomplete answers. Mr. McFie was the first to give a clear and detailed answer. Highly recommended.
The live teleconference 1/25/17, hosted by Life Benefits with guest speaker Tom Ziglar was awesome! He went over the difference in turning a Dream into a Goal and listed the "golden nugget steps" in achieving them both. Thank you to the McFie's and Mr. Ziglar for sharing such awe-inspiring information!
I highly recommend speaking with Dr. Tom McFie or his wife Michele if you have any questions regarding the infinite banking concept or the perpetual wealth code. After reading 7 different books on IBC, I still had unanswered questions and Tom spent over 45 min with me in a 1 on 1 web meeting. He's a really good teacher and he'll take the time to make sure you understand. That's the kind of coach you need if you're interested in implementing this concept.
The Life Benefits team has been amazing. They always get back to me right away with questions I have. One thing I feel that sets them apart is their ability to deliver. As a small business owner one of the more difficult financial aspects to navigate is the balance for saving for the future and having the cash flow for the present. They put a plan together for me to allow me to do both. If that's what you need in your personal life or professional life, make sure you call them now!
Every call or email has been answered thoroughly and without pressure. The honesty and integrity Life-Benefits is second to none. They do not just offer life insurance but an education on Wealth, not just money. The free videos they have produced are remarkable. But the private video’s for clients are absolutely beneficial to winning your financial G.A.M.E. I wish I would have known what they teach when I was 20 years old!
Tom, Michelle and Family are awesome people who have a passion to teach people about money in a way that most of our parents did not know how to. They have personally helped me and my family to live out a more Godly approach to understanding and utilizing the money God has entrusted to us. I am extremely grateful to them. They have earned my trust over the past decade and you can trust them too!
Amazing people to work with. Very responsive to questions and will go out of their way to help you every step of the way, regardless of your policy.
What an amazing family! I just discovered Life Benefits a year ago and I can honestly say that at last I have financial peace!!! The McFies are the real deal, they are well educated and have shared so much about the Perpetual Wealth Code with everyone. I admit it took a while to "get it", but thanks to all the literature, podcasts, and videos they have, it all makes perfect sense. Thanks to Tom and his team we are on a road to financial freedom!
These guys are nothing short of amazing. Professional, attentive, responsive, no pressure agents. Highly, highly recommend their service!
We have been working with Life Benefits and the McFie family for our life insurance needs for the last 6 years. It has been a great experience. They are always there when we need information or help with anything. They are so much more than just life insurance agents. We highly recommend talking to them about your life insurance needs.
Life Benefits has provided excellent educational material about finances money, and making it work for you. The personal response from their team is rapid and clear. A company with a great deal of integrity. Thanks so much.
Wonderful to work with!
We are in our 60's and are having a great time with this concept and feeling more financial freedom than we have ever had before. No more worries about the stock market, our IRA's or how we are going to finance improvements in our business.
I have been using my "self-financing system", initially, to reduce debt. Or so I thought. But the more I understand the system; I am beginning to see how I am actually creating a wealth building system. I have been able to loan money to my business, and keep re-using those dollars.
We are independent agents who represent several mutual life insurance companies.
As independent agents we have complete liberty to search and select the product that best fits your needs instead of trying to use a one size fits all approach to design your policy. These insurance companies pay us a commission to design and sell their products, so we do not charge fees for this. We are also happy to service your policy, assisting you with correspondence with the insurance company, no charge.
We do offer other services which may have a fee associated with them, but these are elective services. You will be informed of any service that may incur a fee ahead of time. The bottom line is that insurance companies pay commissions to their agents that design and sell insurance policies. You shouldn't have to pay an agent, including one of our agents, to design an insurance policy for you.