BOOST YOUR REAL ESTATE GAINS BY BEING YOUR BANK

Transcription

1 BOOST YOUR REAL ESTATE GAINS BY BEING YOUR BANK

2 CHANGE YOUR THINKING 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. THINK LIKE A BANK 2 Paradigm Life. All rights reserved.

3 MULTIPLE STREAMS OF CASH FLOW 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? HOW BANKS & CORPORATIONS DIVERSIFY BANKS & CORPORATIONS RESIDENTIAL REAL ESTATE STOCKS INDUSTRIAL REAL ESTATE BONDS COMMERCIAL REAL ESTATE 3 Paradigm Life. All rights reserved.

4 Permanent life insurance is one of the most misunderstood financial products, yet has sparked the attention of popculture 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. VS TERM INSURANCE PERMANENT INSURANCE DEATH INSURANCE LIFE INSURANCE DEATH BENEFIT ONLY LIVING BENEFITS FINANCIAL TOOLS FLEXIBLE FINANCIAL TOOLS PROVIDES NO FINANCIAL TOOLS PROVIDES GREAT TOOLS 4 Paradigm Life. All rights reserved.

5 LIVING BENEFITS OF PERMANENT LIFE INSURANCE 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 LIQUIDITY SAFETY TAX BENEFITS RATE OF RETURN 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. 5 Paradigm Life. All rights reserved.

6 LIQUIDITY 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.!! BEWARE!! 16 YEARS If you get the wrong policy it can take up to 16 years before premiums are available as 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. 6 Paradigm Life. All rights reserved.

7 SAFETY 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. PERMANENT LIFE INSURANCE OFFERS SAFETY IN FALLING MARKETS PERMANENT LIFE INSURANCE FALLING MARKET FALLING MARKET 7 Paradigm Life. All rights reserved.

8 TAX BENEFITS 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! YOUR GOAL TAX 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 8 Paradigm Life. All rights reserved.

9 RATE OF RETURN 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. DIVIDENDS KEY TAKE AWAY Your permanent life insurance should be providing you with consistent and guaranteed growth. 9 Paradigm Life. All rights reserved.

10 THE BANKING CONCEPT 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. USING THE BANK OF YOU TO INCREASE INCOME PAYMENTS YOU BANK OF YOU PERMANENT LIFE INSURANCE LOANS 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. 10 Paradigm Life. All rights reserved.

11 THE BANKING CONCEPT 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! 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.

12 MAXIMIZING YOUR POTENTIAL 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. 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. NO-OBLIGATION 30-MINUTE CONSULTATION INFO@PARADIGMLIFE.NET 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 to review a full list of disclosures pertaining to our products and services. Copyright 2016 Paradigm Life. 12 Paradigm Life. All rights reserved.