Life insurance meets investing

The product forgotten by everyone but the wealthy

The two main types of life insurance

(and why we specialize in one of them)

Permanent life insurance

✔ Pays money to loved ones upon death

✔ Valid until you die

✔ Can be used as security for loans

✔ Includes tax-free investment account with guaranteed dividends

Term life insurance

✔ Pays money to loved ones upon death

✖ Valid for 10-30 years

✖ Can not be used as security for loans

✖ Is not an investment

How investing through life insurance works

1. You fund your cash value

When you invest in a permanent life insurance policy, a part of your money will go towards what’s called a cash value, which can be compared to owning shares in the life insurance company selling you the policy.

The cash value can be built quicker or slower depending on your preference, using regular payments for a limited time or using lump sum payments.

2. Your cash value grows

Your cash value will generate a minimum guaranteed dividend, as well as an extra dividend that is dependent on how profitable the insurance company is that year. You can choose if you want to use this money for yourself or re-invest it for a compounding effect.

3. Your cash value remains protected

Your cash value is protected from market volatility, taxes, and litigation.

Death benefits are received tax free, loans taken with the policy as a security are received tax-free, capital gains that are re-invested are tax free, and dividends that are taken out are tax free up to the point of the total amount of premium invested.

The solution to risky markets

A solid foundation for riskier bets

Markets like stocks and real estate are a good way to complement your portfolio and can help you get higher total returns. However, they do experience regular cycles and can result in big losses or even debts that you have to get out of by cancelling your life insurance.

To counteract market risks, make sure that you use the security of your life insurance as a buffer that can cover up potential losses amongst the rest of your investments. As the markets of your risky investment crashes, you can then use loans on your permanent life insurance to buy high quality assets at a heavy discount.