Investors that have previously been concerned about economical instability are now finding that through investment grade life insurance , you can reap the benefits of higher net spending income and greater net accumulation of value, than more volatile investments (Stocks, Mutual Funds, etc.). But, the real secret is not the rate of return, it is the ability to put it aside and forget about it rather than possibly throwing your money at more risky taxable investments. The best example would be if you put $100,000 in a jar and buried it in your backyard and another $100,000 and invested in stocks, bonds, and property. In 20 years, your higher risk investments will have an undeterminable ROI; the buried jar will be worth $100,000 without question.
Investing in insurance certainly does not warrant a get rich quick mentality. Typical growth is anywhere between 7%-9%. Compared to the 10%-12% on average earned by Mutual Funds; it’s a bit less appealing until the taxability is paid due.
BENEFITS: How many jobs does one dollar do?
- Accumulate money tax free
- Enable tax free access
- Gain value and transfers free of income tax at the time of death
- Guaranteed Level premium (a perfect hedge against inflation)
- Guaranteed CASH VALUE
- Guaranteed protection (death benefit)
- Virtual Disability Insurance (If you were to become disabled, premiums will be covered)
- Virtual Liability Insurance (Cash Values are creditor Proof in some states)
- Virtual Medical Insurance (Accelerated death benefit if you become terminally ill)
- Virtual Will/Trust by naming beneficiary
If you have the means to invest, but have wavering confidence in the economy, Cash-Valued insurance can no longer be conceived as merely a death benefit. It is the bona fide buried treasure of financial planning.