If banks, multinational corporations and the wealthiest individuals have purchased dividend-paying, investment-grade, cash-value life insurance for this purpose, why haven’t you, especially when it can be done more efficiently than ever before?

This particular type of mutual life insurance (owned by the policyholders) has always been one of the four tier one assets (core reserves) of banks. Your need for finance is extensive and greater during your lifetime than your need for life insurance at your death.

Here are some of the benefits of owning this essential “banking” vehicle that really should be the conservative foundational base of your wealth triangle.

Access to and use of funds, no penalties
Control of Funds, Flexibility, Simplicity
Liquidity of funds
Foundational for family & business “banking system”
Disability waiver of deposits
Ease of implementation & management
Unlimited deposits

Contractual promises backed by un-margined capital
Guaranteed premiums, cash values, death benefits
Guaranteed dividends once declared
Guaranteed market for resale
Paid Up Additions (PUA) represent 50%-66% of premium*
PUAs create instant Cash Value
PUAs turbo-charge the “Banking system”
Max Accumulation Solve (MAS) Dividend Option Patent vital to “Banking”*

Offers a variety of tax advantages
MAS prevents “Banking” policy from being a MEC*
Tax deferral
Tax free cash flow
Death benefit income tax free
Death benefit can be Estate Tax free
Step up in basis

100 Plus year track record*
Integrity of management and mission
Dedicated to & supportive of “Banking’ policies*
102 years of consecutive dividends*
Honesty, structure and performance
Management fees nil
Historical long term favorable legislative treatment
Underlying assets very conservative

Personal and Business uses
“Private Banking” System
80% Banking, financing, 20% life Insurance
Creates marketability and stability in business
Cash readily available

Loans at preferred rates, no questions asked
Positive arbitrage inside policy benefits “Banking”*
Repaid Excess interest on loan goes to PUA – more cash value & death benefit*
Repaid excess interest credited  to PUA annually *
Generational planning tool
Virtually unlimited leverage of dollars
Asset protection advantages
Charitable giving & planning
Assignability
Legacy creation

The Conservative Foundational Base to all other financial planning
Highly resistant to market volatility
Predicable results
Performance always improves over time
Financial peace of mind
Freedom from having to chase high returns
If used with a solid investment system, it improves net after tax return
Pays for itself  quickly
Safe savings

When mutual dividend participating whole life insurance came into existence almost 200 years ago, it had more characteristics of the banking industry than it did life insurance. It should have been called a “Banking” policy with a death benefit!

*Feature excusive to our “Banking” policy or not common to most other mutual policies