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The wealthy get life insurance early in life, often for their children, and get a whole life policy that allows cash to build up tax efficiently, underneath the life insurance. They are often thinking long term and about the next generation. They can borrow against the cash value underneath the policy, at low interest rates, if needed. They smartly become their own bank vs borrowing against a 30%+ interest credit card or going into debt.
Research shows the poor and rich think about Life Insurance very differently. When some adversity comes up, poorer Americans throw their life insurance in the trash, before the Comcast or AT&T bill. The wealthy know they can never bust out of their policy as this would mean throwing away so much value and life insurance being more expensive when it is time to get a new policy, due to age and health factors.
You can prioritize your future now by starting small today and moving in the direction of how the wealthy think. By answering the questions below, we will present you with quotes and an option to talk to a licensed life insurance professional, representing the top underwriters with the most competitive rates.
GIVE YOUR FAMILY
THE GIFT OF PROTECTION OF LIFE INSURANCE
Did you know you can act rich and do the smart thing by investing in a whole life policy and allowing the cash to build up over 5, 10, 15, and 30+ years? The Life Insurance company will even add a dividend to the policy that can help your cash tax-efficiently grow faster.
Generally, this dividend has been 4-5%. A smart life insurance policy disciplines the owner to put money away, every month, it goes tax efficiently into the policy and helps get the IRS off your hard work, allowing your bank to grow.
Quotes Starting As Low at $30/mo
You can start acting rich by investing in a $300K whole life policy for as low as $50 a month, without a medical exam.
How it works: Term life insurance is typically sold in lengths of 1, 5, 10, 15, 20, 25 or 30 years. Coverage amounts vary depending on the policy but can go into the millions of dollars. "Level premium" term life insurance locks in the same price for the length of the policy. "Annual renewable" term life is a one-year policy that renews every year. Annual policies can be helpful if you have short-term debts or need coverage for a brief period of time.
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