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Tell me if you have heard this: “Cash Value Life Insurance is so expensive!! ”

Never combine life insurance and investments in the same system! This probably sounds familiar because Ive heard it a million times from Dave Ramsey, Suzie Orman, every Primerica agent in the world and the majority of financial advisors! They urge that I should build a wall between my insurance needs and investment vehicles. Yet the insurance world disagrees adamantly. Who should you listen to? As I’ve said before, let’s break it down, do the math because math never lies, fact check all claims from everyone and see who has the facts on their side!

First let’s understand 2 mainstream fee structures. One is called actively managed fees or increasing fees, which is typically a % of your total account value, so as your account gets bigger, the fee gets bigger. This is most common with the 401k and traditional financial advisors. The other type is typically found in insurance, called front-loaded fees, which is a bigger fee on the invested amount that then decreases over time. Both make sense depending on your unique situation. Actively managed fees have an advantage in short-term investments and front-loaded fees typically have an advantage in long-term investments.

So which is better for financial planning focused on retirement income? Let’s let the numbers answer the question.

2.22% Fee Source: https://smartasset.com/retirement/what-are-401k-fees

Watch These:
Secure Leverage: https://youtu.be/l6JcCv532Vc
Insuring Your Money More Important Than Traditional Investments : https://youtu.be/afE6ORQzhl0
What Maximum Premium Indexing Is? : https://youtu.be/eRIYXSggSiU
What is the 4% Rule?: https://youtu.be/2_t6aG-taQM
Are Real Estate Rentals A Good Retirement Plan? : https://youtu.be/i8a1n82sH6c
What is Downsizing: https://youtu.be/F28vOn9hmjk
Definition of Risk & Loss: https://youtu.be/sCKsgD1BykE
0% Floor: https://youtu.be/7_O695kcRgM

What is MPI™ and how does it work?
MPI™ Is An Optimally Designed Supercharged Indexed Universal Life Insurance Plan
Learn Everything you need to know about it: https://suncorfinancial.com/mpi/
MPI Presentation Video: https://youtu.be/DK5BYcfCS4Q

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Life insurance today is not the same as it was for your parents. No longer do you pay a premium that only benefits your family when you are dead. Today, Life insurance can be used while you are living as it’s own asset class.

Life insurance as an asset class gives you:
a self completing plan (if you die before fully funded)
tax free growth
tax free distributions
indexed interest that doesn’t participate in market losses
more flexibility than other retirement accounts

The trick is in which type of cash value life insurance product you use, and how well its designed.

The tax benefits associated with life insurance all come from section 7702 of irs code.

With market volatility here to stay, using life insurance as an asset class for you retirement portfolio can be a game changer.

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Why Insurance | Insuring Your Money Far More Important Than Traditional Investments
Sign Up For MPI: https://www.suncorfinancial.com/mpi-p
Subscribe: https://bit.ly/2YDyQ4m
Website: https://www.SunCorFinancial.com

What is Cash Value Life Insurance?
A cash value life insurance plan is a combination of both life insurance and an investment arm to save for retirement. || Cash value life insurance is a form of permanent life insurance that features a cash value savings component. The policyholder can use the cash value for many purposes, such as a source of loans, as a source of cash, or to pay policy premiums.

one day in January of 2014, my little brother, who is literally one of the smartest math nerds in the world, came to me and told me I was investing in the wrong places. I immediately dismissed him and went my merry way. After weeks of hounding me, I decided to let him explain to me why my IRA and real estate portfolio were not the best place to put my money but instead, a correctly designed cash value life insurance. Up to that point I had never even considered it as an option, much less a good one. — He went on to explain to me the pros and cons of life insurance, why the majority of them fail because of human greed, but if I was willing to understand their features, benefits, and design it to optimize the retirement income side, and minimize the life insurance side, they would outperform my IRA by up to 400%. 4X more retirement income on the exact same amount invested? I came to the sound, mathematically based conclusion he was 100% correct.

It wasn’t even debatable once I put my retirement plan side by side with his cash value life insurance plan. I know what you’re thinking; what did it he show me in this “correctly” designed cash value life insurance plan that caught my attention and ultimately converted me over? Watch the video and Find Out Why.

Watch These:
What Maximum Premium Indexing Is? : https://youtu.be/eRIYXSggSiU
What is the 4% Rule?: https://youtu.be/2_t6aG-taQM
Are Real Estate Rentals A Good Retirement Plan? : https://youtu.be/i8a1n82sH6c
What is Downsizing: https://youtu.be/F28vOn9hmjk
Definition of Risk & Loss: https://youtu.be/sCKsgD1BykE
0% Floor: https://youtu.be/7_O695kcRgM

What is MPI™ and how does it work?
MPI™ Is An Optimally Designed Supercharged Indexed Universal Life Insurance Plan
Learn Everything you need to know about it: https://suncorfinancial.com/mpi/

Follow us:
Facebook: http://fb.com/iamcurtisray
Instagram: http://instagram.com/iamcurtisray
Twitter: http://www.twitter.com/iamcurtisray

[Everyone Ends Up Poor [ Book ] : https://amzn.to/2UJqiaf
Website: http://www.EveryoneEndsUpPoor.com

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