@@rafdecc Please go to: LaserFund.com

@@gardeningwithfilipina2814 You can borrow as soon as you have sufficient cash value. I don’t know your age, but if your IUL was structured correctly, you ought to be able to borrow several thousand dollars by now. You may want to get your policy audited by a Certified IUL Professional to make sure it doesn’t have too much death benefit for this purpose.

Thank you so much for a quick response. I just turned 45 last month. Im worried that it will affect the growth of my money if i borrow too soon since the policy is only 3yrs old. Thank you again

How please

I will advise you stop trading on your own if you keep losing. And i don't trade on my own anymore, I always required help and assistance

She's my family personal Broker and also a Broker to many families here in the United states, she is a licensed Broker.

😱Sounds familiar, I have heard her names on several occasions.. And both her success stories on wall street journey!

I'm not here to converse for her but to testify just for what I'm sure of, she's trustworthy and best option ever seen.

@@karleells6540 65%+ of retirees have the majority of their net worth tied up in their house-they are house rich and cash poor. I have helped thousands generate as much as $200k a year in retirement income using this strategy-even if they simply do a reverse mortgage. There’s no need to leave behind a debt-free house at death.

@ reverse mortgages are even worse. You clearly value your commissions more than giving people good advice. The insurance and mortgage industry has some really predatory people and policies. Sad.

@ you may as well add whole life insurance and annuities to your portfolio so you can really fuck your clients. How disgraceful

@ Sad you’re so judgmental. I’ve never been paid a commission on a mortgage transaction and I have not been paid any commission for any financial product in the last 20 years (since 2005). So, why do I do what I do?

@ no one that is acting in good faith would recommend getting retired people back into debt, getting into a reverse mortgage, or buying some other bullshit insurance product. Come on man.

We have a network of professionals who can show you how an IUL can work for you.. Here's the link so you can be contacted by one of our experts: 3dimensionalwealth.com/getstarted

Glad to help

Is it possible? Yes however there are several risks associated with that idea First, Incoming funds to a policy need to be identified and carriers often scrutinize funding, especially if it’s from a loan. And even more so with lower income individuals. So, unless you have assets and net worth behind the loan, it may not be approved. This is a sophisticated strategy usually reserved for premium finance type clients which are typically accredited and ultra high net worth and able to take on the risk. Second, playing the game of arbitrage in the current interest rate environment has additional risk as well. Especially on a brand new policy and all its associated fees in the earlier years. If your idea is to buy a new policy with a loan, we would advise against that. Purely because not only do you have to outpace your interest rate, but you also have to outpace your fees in the early years. Even with clients who want to use the policy for personal banking as a strategy, we generally push to have as much funding as possible in the policy to ensure the best performance. Again, the strategy that you’re essentially asking about is what’s called premium finance. And while you can make premium finance work, we have found that it’s so much simpler to just build a straightforward policy that anyone can manage on their own without having to back-and-forth between the banks and hope that all the arbitrage numbers play out. Simplicity is key. Lastly, with IUL we are trying to reduce risk and market exposure. So unless you’re a sophisticated investor willing to take risks, something like this isn’t typically advisable to the general public. This is why it’s critical to speak to someone who understands how the number stack up, how the policy will evolve over the years, and how all the various outcomes will potentially play out. If you would like to speak to someone we work with submit the form here and select a time - 3dimensionalwealth.com/getstarted

Thanks. Let me know if I can help you further. We can have an IUL professional let you know how it can make a difference for you. Here's the link: 3dimensionalwealth.com/getstarted

If you fully fund a policy, the likelihood that the policy will lapse goes down significantly. However, it's important to note that in order for the policy to stay enforce and perform at the best levels the policy must be managed and overseen correctly as well additionally, steps taken to ensure that the policy is actually structured correctlyis critical. In short, saying you've maxed funded the policy doesn't mean that you've max funded a policy. We get policies submitted for review that claim to be max funded when in actuality they're not.

Before u do that talk to about CFP. See what they say

You will have to do a rollout. Here's a video you might want to watch as well: kzbin.info/www/bejne/roqQnp6oitFomdk Let us know if you want to know more, we can get an IUL professional to give you a call. Here's the link : 3dimensionalwealth.com/getstarted

Wonderful!

Yes. If someone is trying to minimum fund a policy, they shouldn't be banking with the policy. Banking requires a maximum funded account to do it properly.

You can refinance existing rental properties at a net lower cost on the mortgage interest than the compound, tax-free interest you earn on an IUL. When I sell a property and buy a new one, I mortgage it to the hilt and keep my equity separated into IUL where it's liquid, safe and earning a rate of return that is usually at least 100% greater than the net cost of the mortgage.

@ thanks for the explanation

It all depends on the state regulations. It varies.

All insurance (term, whole life and universal life) has a term insurance cost component. When max-funding an IUL, once it is max-funded, the cash value can grow to equal and exceed the death benefit in as little as 10 years. From that point forward the net amount at risk to the insurance company is very small. 20-30 years into a max-funded IUL, retroactive back to day 1 of the policy if you averaged 11% gross rate of return, your net internal rate of return should be within about one percentage point of the gross (or about 10% in this example).

Doug has held a number of licenses over his career and always upheld the highest standards of integrity with his clients. He let all of his licenses lapse in 2006 to focus on public education and authoring books. We have a network of advisors and agents that we work with that also uphold those same standards.

In your example your cost ratio is too high. A properly structured plan should get you access to no less than 70-85% of your cash value in the first year, depending on age, health, gender, riders, funding plans, etc. So from the get go your math is skewed because the example isn't based on a properly structured plan. Additionally, in an investment you're getting just the asset. With IUL you're purchasing a death benefit which also has an asset value. They're different instruments for different purposes. We just had a client liquidate $3mm of his bitcoin to secure in his IUL. Why? Because that money is now locked in and preserved for decades to come. Vs the rest of his money in bitcoin will continue to fluctuate. But now the client has a significant amount of certainty that he will be okay in those events. Which gives him even more leverage and control over his portfolio. Its all in context and understanding why it fits in to an overall solution.

It depends. You need to apply to several companies to see which one might be more liberal in your set of health circumstances. If you are totally uninsurable, simply take an an IUL on a surrogate with you being the owner.

Good question😂

Some of these agents put so much business through a carrier that they will eventually have pull with the underwriter to push a case through. It’s common.

Go to my playlist "Does IUL Work?" and you'll see dozens of examples. Or you can also go to IUL Market Watch to see examples posted every month. If what you thought not to be true, actually ended up being true, when would you want to know? Sooner or later?

The actual design training is taught every week in our IUL case design training and in our video library. We have thousands of IUL agents who join IUL Insiders to learn.

Having been in the industry for 50 years, you're welcome to fact check it, but we do this everyday.

"The cost of insurance is the same" is where i have an issue. If you take a 50k IUL for a 20 yr old and a 50k IUL For an 80 yr old. The premiums are not going to be the same. Premiums are based on cost of insurance.