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BOOST YOUR REAL ESTATE GAINS BY BEING YOUR BANK
BOOST YOUR REAL ESTATE GAINS BY BEING YOUR BANK
We all know that real estate investments are not foolproof, so how can you offset the risk? We want to show you a proven method of growing wealth used by individuals, banks, and corporations. Their secret is having comprehensive investment strategies, made up of diverse financial products that support each other—and we can help you do the same.
CHANGE YOUR THINKING
THINKLIKE A BANK
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Let’s look at the public sector for examples—banks and corporations. These organizations usually have several streams of cash flow, ranging from their core strategies to joint ventures, investments (like stocks and bonds), and real estate holdings (industrial, commercial, and residential). So, what happens in an economic downturn? The protected and well-rounded people and organizations survive; they are diversified, and that becomes crucial.
In recent years, a smart diversification method has emerged among the wealthy. This strategy provides significant benefits to the bottom-line of banks and corporations and has proven itself profitable for individuals, even during difficult times. What’s at the core of that strategy?
MULTIPLE STREAMS OF CASH FLOW
BONDSREAL ESTATERESIDENTIAL
REAL ESTATEINDUSTRIAL
REAL ESTATECOMMERCIALSTOCKS
+ + + +
CORPORATIONSBANKS &
HOW BANKS & CORPORATIONS DIVERSIFY
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Permanent life insurance is one of the most misunderstood financial products, yet has sparked the attention of pop-culture financial media for significant reasons. Let’s explore why so many corporations and banks value this asset enough that they hold tens of billions of dollars of it. (They would likely invest even more if they could—the FDIC regulates a cap on the amount of insurance they are allowed to hold.)
Banks and corporations recognize that life insurance is not necessarily “death insurance” but truly life insurance. They know how to use life insurance for its lucrative living benefits. This is not usually how life insurance is presented and sold to individuals; which is why there’s such a disconnect about the topic.
FINANCIAL TOOLS
VS
TERMINSURANCE
PERMANENTINSURANCE
R 115G 169B 80
R 107G 162B 185
R 196G 161B 28
TERMINSURANCE PERMANENTINSURANCE
DEATH INSURANCE LIFE INSURANCE
DEATH BENEFIT ONLY LIVING BENEFITS
PROVIDES NO FINANCIAL TOOLS PROVIDES GREAT TOOLS
FLEXIBLE FINANCIAL TOOLS
LANCITOO
4 © Paradigm Life. All rights reserved.
KEY TAKE AWAY
Putting all of your investment into real estate is a
risky business. Consider permanent life insurance
and apply these traits to your strategy—Liquidity,
Safety, Tax Benefits, and Rate of Return.
You can enhance the benefits you receive by learning how to use permanent life insurance wisely—taking advantage of the most valuable investment traits; Liquidity, Safety, Tax Benefits, and Rate of Return.
MOST VALUABLE PERMANENT LIFE INSURANCE TRAITS
LIVING BENEFITS OF PERMANENT LIFE INSURANCE
Baby BoomersCONTROL
75%of the wealth
in America
R 115G 169B 80
R 107G 162B 185
R 196G 161B 28
TERMINSURANCE PERMANENTINSURANCE
TAX BENEFITS
SAFETYLIQUIDITY
RATE OF RETURN
LIQUIDITY
RATE OF RETURNTAX BENEFITS
SAFETY
5 © Paradigm Life. All rights reserved.
LIQUIDITY
It turns out that there’s another big reason why banks and corporations purchase tens of billions of dollars in permanent life insurance—keeping your money liquid and accessible as cash is an advantage. With careful modification, banks, corporations, and individuals can access all of the premiums they’ve paid into the policy as cash value. In these cases, if you are the policy owner, the cash value is 100% liquid to you.
But buyer beware—Without this special modification a permanent life insurance policy can take up to 16 years before all of the paid premiums are available as cash value. This detail is what gives permanent life insurance a bad reputation for not being a viable and affordable savings vehicle. Only a few qualified people in the country know how to properly apply the modification to enhance the cash value.
KEY TAKE AWAY
An investment vehicle that has ideal liquidity, safety,
and rate of return is the best bet. Make sure your
financial partner knows how to modify the policy so
you can use the cash value.
! ! B E W A R E ! !
16YEARS
If you get the wrong policy it can take up to 16 years
before premiums are available as cash value.
! ! B E W A R E ! !
16YEARS
A life insurance policy can take up to 16 years before premiums are
available as cash value.
Baby BoomersCONTROL
75%of the wealth
in America
R 115G 169B 80
R 107G 162B 185
R 196G 161B 28
TERMINSURANCE PERMANENTINSURANCE
TAX BENEFITS
SAFETYLIQUIDITY
RATE OF RETURN
LIQUIDITY
RATE OF RETURNTAX BENEFITS
SAFETY
6 © Paradigm Life. All rights reserved.
SAFETY
Your money can’t work for you if it isn’t protected. Sometimes market forces work against you, and we’ve learned how hard it is to get out of the way of a falling market; in fact, it can be darn-near impossible.
Permanent life insurance offers serious safety. Because the insurance industry is much more stringent with regulation and self-regulation than even the banking industry, it beats even the safety of, say, a law firm’s trust account. And the cash value that you build up is not directly invested in the stock market—which allows you to win the rewards of a strong market without the risk during a down market.
FALLING MARKETFALLING MARKET
INSURANCELIFE
PERMANENTPERMANENT LIFE INSURANCE
OFFERS SAFETY IN FALLING MARKETS
Baby BoomersCONTROL
75%of the wealth
in America
R 115G 169B 80
R 107G 162B 185
R 196G 161B 28
TERMINSURANCE PERMANENTINSURANCE
TAX BENEFITS
SAFETYLIQUIDITY
RATE OF RETURN
LIQUIDITY
RATE OF RETURNTAX BENEFITS
SAFETY
7 © Paradigm Life. All rights reserved.
TAX BENEFITS
We’ve all heard, “Nothing is certain but death and taxes.” However, that isn’t exactly true when you’re talking about permanent life insurance. The rate of return you receive from the cash value and the subsequent dividend payment accumulates on a tax-deferred basis, and if done correctly can be tax free!
WE WANT TO HELP YOU UNDERSTAND THESE ADDITIONAL BENEFITS:
• Death benefit circumvents probate
• Cash value protected from creditors
• Ability to leverage both the cash value and the death benefit
• Pension maximization
• Smooth estate transfer
• The Family Banking Concept
• Supplemental or sole retirement vehicle
• Ideal charitable vehicle
Baby BoomersCONTROL
75%of the wealth
in America
R 115G 169B 80
R 107G 162B 185
R 196G 161B 28
TERMINSURANCE PERMANENTINSURANCE
TAX BENEFITS
SAFETYLIQUIDITY
RATE OF RETURN
LIQUIDITY
RATE OF RETURNTAX BENEFITS
SAFETY
TAX
R 115G 169B 80
R 107G 162B 185
R 196G 161B 28
IF DONE CORRECTLY
YOURGOAL
8 © Paradigm Life. All rights reserved.
RATE OF RETURN
Can you imagine a life insurance option with the ability to earn a rate of return on the cash value you have accumulated? It’s one of the least known attributes of permanent life insurance—and as the policy owner, you’re in control.
How does it work? Let’s explore. Mutual insurance companies are not owned by shareholders, but by the policy owners. At the end of the year, the profits come directly back to you—the policyholder. It’s an unbelievably simple way to earn dividends while retaining liquidity with a consistent and guaranteed growth.
KEY TAKE AWAY
Your permanent life insurance should be providing
you with consistent and guaranteed growth.
PROFITS
PROFITSPROFITS
PROFITS
DIVIDENDS
Baby BoomersCONTROL
75%of the wealth
in America
R 115G 169B 80
R 107G 162B 185
R 196G 161B 28
TERMINSURANCE PERMANENTINSURANCE
TAX BENEFITS
SAFETYLIQUIDITY
RATE OF RETURN
LIQUIDITY
RATE OF RETURNTAX BENEFITS
SAFETY
9 © Paradigm Life. All rights reserved.
You can implement the vehicle-of-choice used by banks and adopt their principles in leveraging cash value; the investment model that is proven to work so well.
You know the pain of paying interest. You also know that paying in cash for everyday items like cars, vacations, furniture, and more takes your money out of circulation, and you aren’t earning interest. Some families we work with would have spent up to a million dollars raising their children if they hadn’t used our model.
FIVE UNCONVENTIONAL IDEAS OR PRINCIPLES THAT HELP YOU BE YOUR OWN BANK:
1. Don’t put all of your money in the stock market.
2. Put cash into your whole life policy and use it as a vehicle for your savings.
3. Borrow from your policy, i.e. yourself, for major life purchases.
4. Pay yourself back and recapture the interest.
5. Pass your money and your strategy to future generations by teaching your family these concepts.
THE BANKING CONCEPT
USING THE “BANK OF YOU” TO INCREASE INCOME
YOU
PAYMENTS
LOANS
BANK OF YOUPERMANENT LIFE INSURANCE
10 © Paradigm Life. All rights reserved.
We hope you’re starting to see the potential for one of the oldest of financial products to have viable application in our modern world—when you’re leveraging all of the characteristics. Remember, there is no such thing as a risky investment; only a risky investor. What separates you from risky investors is your knowledge. We want to help you learn to use cash value similarly to how banks and corporations do, as an asset that you own and control.
We want you to avoid using credit cards or bank loans to make purchases. More powerfully, we want to teach you how to recoup the lost opportunity cost associated with spending money rather than investing it. Over the course of a lifetime, this approach could potentially put millions back in your pocket!
THE BANKING CONCEPT
KEY TAKE AWAY
Banks have proven that one of the oldest financial
products, permanent life insurance, can be the ideal
financial product if you have the knowledge to
leverage the right characteristics. We can teach you
their strategy.
11 © Paradigm Life. All rights reserved.
MAXIMIZING YOUR POTENTIAL
Due to the many insurance products sold, Paradigm Life® makes no representation as to the actual tax status of the PUA rider, insurance, and benefits received or any premiums paid. Neither Paradigm Life® nor its representatives give legal or tax advice or interpretation. Please contact your legal or tax advisor for such advice. As a result of the important nature of financial decisions, you are urged to visit www.paradigmlife.net to review a full list of disclosures pertaining to our products and services. Copyright © 2016 Paradigm Life®.
WWW.PARADIGMLIFE.NET 1-855-801-6306 [email protected]
NO-OBLIGATION 30-MINUTE CONSULTATION
Think of it this way . . . even when you invest in real estate, you need capital. Either you borrow the capital from a bank that charges you interest, or you use cash and lose additional earning potential. We know how to solve both of these problems with one strategy—and we want to tell you about it.
Permanent life insurance with high cash value is the best way to do that. Just ask successful investors like Dolf De Roos, who has said that permanent life insurance with high cash value is the ideal vehicle for real estate investors, because it is the most similar financial product to real estate. We can help you use both in a symbiotic strategy to support each other fully.
Email or call us today for your no-obligation 30-minute consultation to show you what a permanent life insurance plan can do for your financial future.
12 © Paradigm Life. All rights reserved.
