A CVLOC (Cash Value Line of Credit) is a loan you take from a bank using the cash value in your life insurance policy as collateral.
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June 10, 2025 at 6:01 PM
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Helping people keep their money safe with consistent reliable returns, is something I’m insanely passionate about. #iul #beyourownbank #insurancestrategist #cashvaluelifeinsurance
January 21, 2025 at 8:52 PM
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If you have an outstanding loan when you pass away, the balance is subtracted from your death benefit. Your beneficiaries still receive the rest but the cash value itself doesn't get paid out separately.
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June 2, 2025 at 5:59 PM
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There are multiple factors that can influence compound interest, like market crashes. Uninterrupted compound interest keeps growing consistently over time, without pauses or setbacks.
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May 18, 2025 at 6:15 PM
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Walt Disney, himself, used his life insurance policy to start Disneyland. #iul #cashvaluelifeinsurance #historylesson #notyouraverageagent
January 20, 2025 at 1:43 AM
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True diversification means spreading wealth across multiple asset classes like stocks, real estate, crypto, insurance, and precious metals. Not just diversifying within an asset class.
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May 13, 2025 at 6:06 PM
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Utilizing cash value life insurance for tax free loans and being your own bank is a strategy that has been around for 200+ years. #cashvaluelifeinsurance #iul #beyourownbank #notyouraverageagent
January 20, 2025 at 12:06 AM
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If you're heavily involved in day-to-day operations, your sudden death could leave your business in crisis. A properly structured life insurance plan can protect your team, fund succession, and preserve everything you’ve built.
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June 7, 2025 at 5:58 PM
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Yes, you can obtain life insurance without undergoing a medical exam. No-exam policies, such as simplified issue, offer quicker approval times and are ideal for those seeking convenience or who may have health concerns.
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May 10, 2025 at 2:10 AM
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Many believe whole life insurance has no cash value for the first few years but that depends on how it’s designed. With a properly structured policy, you can build cash value starting in year one.
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May 28, 2025 at 5:58 PM
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The base premium is what guarantees your death benefit, cash value growth, and policy longevity. It’s the core of every whole life policy and everything else, like riders and PUAs, is built on top of it.
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May 29, 2025 at 6:07 PM
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Whole life insurance is an uncorrelated asset that offers guaranteed returns no matter what happens in the market.
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June 16, 2025 at 6:03 PM
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You can finance from your own system using a high cash value whole life policy. No bank, no credit checks, no delays. Build control and keep your money growing.
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June 24, 2025 at 5:31 PM
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Policy loans let you access your cash value tax-free with no credit check, no application, no questions about what you're going to use the money for and there's not repayment schedule.
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May 17, 2025 at 5:58 PM
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IUL caps limit how much of the market upside your policy can earn. If the cap is 10% and the index grows 15%, you still only get 10%. It’s a ceiling on your growth, even when the market does better.
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May 30, 2025 at 6:13 PM
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That’s false, your cash value is not lost. It’s absorbed into the death benefit and paid out to your beneficiaries, just like home equity is realized when a house is sold.
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May 28, 2025 at 4:07 PM
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5 Ways Life Insurance Can Help With Estate Planning
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August 2, 2023 at 11:31 AM
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Indexed Whole Life is not a separate policy, it’s a rider added to a whole life insurance policy that allows part of your cash value to earn interest based on a market index.
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May 12, 2025 at 1:31 AM
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Instead of relying on banks, business owners can use the cash value from whole life insurance as their own private lending source. No credit checks, no approval needed, and flexible repayment.
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May 21, 2025 at 6:11 PM
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I wanted an asset completely uncorrelated to the markets that gives me control. I wanted guaranteed growth, liquidity, protection and tax advantages.
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May 11, 2025 at 1:40 AM
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Yes you can buy a whole life policy for your child, locking in low rates, guaranteed coverage, and early cash value growth.
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May 27, 2025 at 5:57 PM
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Just because an IUL has a 0% floor doesn’t mean you won’t lose money... you won't lose money to market loss but you will still lose money in a down year. Big misconception.
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May 14, 2025 at 6:01 PM
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Why send interest to a bank when you could keep it in your own system? With a properly designed whole life policy, business owners can finance equipment and earn uninterrupted growth on their terms.
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June 12, 2025 at 6:02 PM
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With a whole life insurance policy, you can leave a guaranteed, income tax-free gift to your church. No probate, no delays. It’s a powerful way to impact the Kingdom long after you're gone.
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June 14, 2025 at 5:55 PM
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Human Life Value is how insurers calculate your maximum coverage based on your income, age, and working years left.
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May 15, 2025 at 6:09 PM
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