America's elite have been using cash value life insurance to stockpile wealth for centuries. Used correctly, it is better described as a personal bank on steroids, and a financial bunker for tough times.

To be clear, this book is not about the typical garbage peddled by most insurance agents. Rather, an alternative to the risky investment strategies taught by Wall Street.

It details a highly efficient form of cash value life insurance designed to supercharge your savings and stockpile wealth. A product so powerful it's responsible for the success of Walt Disney, JC Penney, Ray Kroc, and thousands of others.

Here's what you'll discover:

-How the wealthy use this vehicle to create more wealth, take less risk, and create predictable income they can't outlive

-Why banks and corporations place billions of dollars in this powerful vehicle

-How I earned over 300 percent returns leveraging my life insurance policies

-How you can create a safe, predictable foundation to enhance every financial decision you make

-How to win with taxes and keep more of the money you make

While the information compiled into this book is valuable, you'll also find three case studies that show you exactly how it works. You'll be able to visually see how it grows, how it's accessed, as well as the future income that can be taken.

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Influencers of this book are Nelson Nash, his book Becoming Your Own Banker: Unlock the Infinite Banking Concept; Pamela Yellen, her book Bank on Yourself; Dwayne Burnell, his book Financial Independence in the 21st Century - Life Insurance * Utilize the Infinite Banking Concept * Compliment Your 401K - Retirement Planning With Permanent Whole Life versus Term or Universal - Create Financial Peace; and my Father Dan Thompson, and his book The Banking Effect: Acquiring wealth through your own Private Banking System.

I was introduced to these financial strategies at a young age, and this is book represents the effort and energy on both the part of everyone of my mentors, these authors here, as well as my own diligence in learning about and implementing these very same strategies into my personal finances.

This book is designed to simplify some of the concepts surrounding cash value life insurance, such as Infinite Banking and Bank on Yourself, and make them easier to understand, stripping them down to the core benefits of cash value life insurance.

Will your universal life insurance policy LAPSE while you are still alive?

Attention Policyholders: If you own a universal life insurance policy (UL, IUL, VUL) or Group UL/VUL insurance policy from ANY life insurance provider, you must purchase this book to learn why your permanent policy could lapse (cease to exist) despite making all your payments.

Attention Investors: If you are an investor (bonds or equities) in the life insurance sector, you must purchase this book to understand the massive risk to which you are exposed.

After researching over 5,000 MetLife individual UL and VUL policies totaling over $1,000,000,000 ($1B) in death benefits, author and financial advisor, Elan Moas exposes how these policies are designed to fail rather than succeed. In Q1 2023, he presented his findings to the state of Massachusetts, the SEC, and submitted two new whistleblower complaints based on his research. His findings show why 90% of these policies will likely lapse before paying a death benefit. The research reveals how:

- Lapsing UL and VUL policies are an entire life insurance industry problem, not just MetLife

- Target funding is where advisors and insurers maximize their commission but leave the insured with a policy destined to lapse.

- The May 2023 IUL Actuarial Guideline 49B (AG49B) update means that IUL sales made prior to that date were likely made with wrong investment illustration assumptions. The IUL chapter will leave all IUL policyholders horrified.

- Group UL/VUL policies offered to entire states and Fortune 500 companies are full of fatal structural policy flaws.

- Older adults' cash values are wiped out prior to their policy lapsing. That is elder abuse.

- To request your very own in-force illustration, which is the future policy projection.

The unfortunate result of decades of life insurance industry greed and regulatory oversight incompetence will lead to the Subprime Universal Life Insurance Company Crash of 2023. Which company will be the next Lehman Brothers? www.MoasConsulting.com

This is the Second Edition of this book - released in the beginning of 2024 - and is the updated version of Darren Sugiyama's original book that was released in 2021. A lot has changed in the world of Premium Financed Life Insurance in the last few years including increased interest rates, a recession, the crash of crypto currency, product changes, and industry regulated restrictions put on life insurance policy illustrations. As the most transparent premium financing intermediary in the life insurance industry, Darren Sugiyama thoroughly explains different methods of premium financing he uses with different types of clients based on their unique circumstances, including several new loan platforms he developed in 2023-2024. Sugiyama also takes a deep dive into discussing how IUL policy charges and credits work, the sustainability of the 0% floor, the difference between Fixed Policy Loans and Participating Policy Loans, and IUL multiplier features. The granular details of premium financing are articulated in a way that is highly detailed, yet succinctly expressed in a way that a life insurance novice can understand. Sugiyama transparently breaks down his methods of mathematically modeling Premium Financed Life Insurance with a spirit of authenticity, consumer protection, and full disclosure. In an industry that often times paints a very opaque picture regarding how financial instruments work, Sugiyama takes a disruptive approach by dispelling the myths and uncovering the truths about how many of these sophisticated estate planning instruments are built. This is an incredibly valuable book for both clients who are considering using Premium Financed Life Insurance as an estate planning tool, as well as financial advisors and life insurance agents who are considering offering these strategies as solutions for their high net worth clients.

Ben Feldman perfected a series of techniques for selling life insurance that earned him a place in the Guinness Book of World Records as the most outstanding salesman in history. Drawing on these foolproof techniques, this book offers a step-by-step action plan leading to sales success. You will be able to follow and absorb the working philosophy, the approaches, the closes, presentations and power phrases that made Ben Feldman the greatest insurance salesman in the world.

Creative Selling: Secrets from the most successful insurance salesman in history Ben Feldman is well known to life insurance agents around the world, as the most successful insurance salesman of all the time. In this book Feldman uses a question and answer format to reveal his methods of making sales and solving problems. He offer power phrases, tips and comments that will energize all salespeople. You will find that this treasury of selling methods will have a dramatic impact in your career.

What if you have been lied to about money and investing? How soon would you want to find out?

What if you could become far wealthier, much sooner, by doing the opposite of what you have been taught by financial pundits and mainstream media? You can when you conquer the financial myths exposed in this book.

Read Killing Sacred Cows to discover these revolutionary principles and more:

• Net worth is a poor indicator of wealth and your ability to retire well. What matters is cash flow, and this book will teach you how to develop it.

• Wealth is a byproduct of a life well lived. Budgeting and sacrifice are at odds with building wealth and enjoying life along the way.

• Debt may not be what you think it is. Learn the proper definition of debt to increase your prosperity.

• Become a better investor by discovering and developing your Investor DNA. Learn how to reduce risk, stop wasting money and time, and get better returns with less risk.

• Escape the trap of scarcity and the dogmatic accumulation model. It doesn't take money to make money, or require risk to get returns. You especially don't have to wait thirty years for compound interest to kick in to be financially independent.

• Money mindsets can be shaped in a moment, but have lifelong, tragic effects. Hard work with the wrong philosophy (myths) can lead to limitation, frustration--even bankruptcy.

Of course, Killing Sacred Cows isn't for everyone--just those who want to make more money, keep more money, and make fewer mistakes with their money.

If you're tired of following the herd and getting slaughtered by inflation, taxes, and the market, this book is for you.

This 15th edition of Life Insurance is published in recognition of the 100th anniversary of this book's first edition. That edition was published in 1915 and authored by Dr. Solomon S. Huebner, founder of the Wharton School's insurance program and of the Chartered Life Underwriter certification program. It was pioneering for setting out both insurance principles and practices in a single, expansive treatise aimed explicitly at students of the business, whether they were students in the traditional collegiate sense or those undertaking professional development studies. This edition continues that legacy.

While the 14th edition represented a sweeping revision and was published not long ago, several factors compelled us to bring forward this edition. These included a desire to update several vitally important sections, such as the tax treatment of life insurance and the implementation of the Health Care and Affordability Act of 2010. We also discovered several portions of the 14th edition that needed clarification and others that benefitted from a deeper treatment. We also corrected several errors identified by helpful readers.

The book's simple title, Life Insurance, should be understood in its broadest context to encompass insurance that (1) pays money on the death of an insured (i.e., mortality risks), (2) promises to pay while an insured is alive (i.e., longevity risks), and (3) promises payment or services to insureds in the event of incapacity, disability, or loss of health (i.e., morbidity risks). The book contains a heavy emphasize the economic and finance fundamentals that underpin life insurance theory and practice. The book is made more relevant to students and practitioners through its inclusion of the latest innovations in insurance products, their pricing, and their applications to individual, family, and business problem solving. Toward this end, the treatment of enterprise risk management has been deepened, in accordance with the increased understanding and emphasis occurring over the past two decades. The material is presented from the viewpoints of the buyer, the advisor, the insurer, and the regulator. Forthright appraisals are offered to the various life insurer products, with suggestions for how they and the companies and producers that sell them can be evaluated. Further, while the historical emphasis on U.S. practice is retained, international practices and terminology are presented throughout. Finally, entire chapters are devoted to explanations of how life insurance products (1) fit within a personal financial planning context, (2) are taxed, (3) are relevant in estate planning, (4) assist in retirement planning, and (5) find beneficial application in many business situations. Each of these chapters reflects the latest applications, law, and tax treatment, while essential theoretical and practical background information provides a stable and lasting learning platform.

In Mark's third book, learn why Indexed Universal Life Insurance (IUL) has become a new asset class--protecting investors from both taxes and market declines. Why many American families are using IUL as a hedge against inflation, rising taxes and even how they grow their wealth during a recession. Learn how the right IUL can be used to build your personal tax-free family bank--to borrow for investing in real estate, stocks and bonds, to expand your business, and generate returns far greater than the majority of investors. Finally, learn how an IUL can help you grow your retirement accounts and help protect you from running out of money during your retirement years, and why the wealthy always use Other People's Money (OPM) in all their investing...and how you can too

Everything your loved ones need to know when you're gone This end of life planner helps you to organize life's many details and record your final wishes. Don't postpone important matters and spare your family and friends unnecessary expense and the burden to make choices under pressure of emotion and time. Using this planner today means greater peace of mind for those loved ones later. It makes sure that those closest to you recognize your wishes and have all they need to handle your affairs. Completing this final wishes organizer will help ensure that the people you care about will not have to worry if they made the right decisions.This planning booklet helps you compile a variety of important information and instructions for dependents that is often necessary when planning for a loss.
You can record the following information:

• Personal Record
  All your personal information
• Financial Information
  Bank accounts & Credit cards, Mortgage, Pension/Retirement plans, Insurance (e.g. health, car, homeowners, other), Location of important documents, Other important financial information.
• Funeral Wishes
  Your Funeral preferences, Obituary, Personal instructions, Final deposition, Special wishes and instructions.
• Online Accounts
  Email, social media accounts, subscriptions or other important login information.
• Notification
  People that you want to get notified of your passing
• Genealogy/Family
  Space to record grandparents, siblings, spouse(s), children, step-children, grandchildren, etc
• Your Pets
  All important information about your pets
• Belongings
  Your belongings and what to do with them.
• Special Thoughts...
  Some thoughts you would like to share with your family and friends.
• Miscellaneous Information
  All other information not covered in the previous pages

* Please keep this guide in a safe place that is easily accessible and let those close to you know about this document. You may also decide to give a copy to a loved one who lives outside your home.
Order your copy today

Term life insurance. Whole life. Variable and Universal life insurance. The list of choices for insurance products continues to grow - along with the different uses and tax implications associated with each. Despite the dizzying pace of change in the industry, every financial professional must understand the different types of insurance available - and the considerations for purchasing them.-------------------------------------------------------------------------------Now - the Society of Financial Professionals teams up with tax and estate planning expert Lou Shuntich to bring you a practical new reference guide that is both compact and comprehensive. Concise and to-the-point, this handbook provides the latest industry information on: - The legal aspects of acquiring and owning a policy- The types of products and contracts available- Simple criteria for evaluating and comparing policies and insurance companies- The tax implications of each product type- Structuring policies, ownership arrangements and beneficiaries for maximum tax and legal benefits - and tips for avoiding traps and pitfalls in the processWhile not an exhaustive account of the industry - it's an excellent primer that covers the key concepts necessary when advising clients or analyzing portfolios and estates. And in keeping with the Society of Financial Professionals' steadfast commitment to providing continuing education to the industry, The Life Insurance Handbook is the perfect learning tool for keeping busy financial professionals and their clients up-to-date.

Does the concept of life insurance give you a headache?
Have you put off getting life insurance because you don't
know how to get started? Are you unable to properly appreciate
the life insurance plans you've bought or that someone else
purchased for you? If you answered yes to any or all of these
questions, this book can help you solve your life insurance
troubles and may save you a large amount of money.

Art Williams began his career doing what he loved - coaching high school football. A family tragedy changed his direction when his father died and he learned the hard way that whole life insurance was a scam. After he did his research, he determined that term Life was a far better deal - but most insurance companies sis not sell that type of policy. He decided he would.
Years later he would become the largest insurance company in the United States and term life became the best policy type folks could buy. In the process, Art became a billionaire, but more importantly hundreds of his fellow termites would become multimillionaires and policy owners would be awarded far larger pay-outs when a family loved one would pass.
His story and success is here.

John Wetmore is the founder of a $200-million life insurance agency and Managing Partner at Integrity Marketing Group. Raised in the projects, financial success was not a foregone conclusion for John, who battled bankruptcy, divorce, home foreclosure, and substance use. And then he got his sh*t together.

Armed with his Do More Now philosophy, John embarked on a dizzying ascent through the ranks of the ultra-competitive Life Insurance Industry. This rags-to-riches account pulls no punches and is the ideal companion for anyone with the audacity to demand more out of life.

Our comprehensive industry guide for financial services professionals examines life, accident and health insurance from multiple viewpoints in or order to prepare individuals for their state's insurance licensing examinations. Providing a thorough overview of individual and group life and health insurance, life and health insurance products and a complete summarization of insurance company operations and regulations, this manual covers it all in an easy to read format. Additionally, chapters are devoted to the uses of life and health insurance in personal and business planning and government and employee benefit plans. This is also an outstanding reference manual for financial planners, salesmen, actuaries, investment managers, attorneys, CPAs and other financial services professionals.

This book will enable Life Insurance Agents to develop their skills on selling Life Insurance Policies within 45 minutes. This is a step by step approach on EMERALD Sales Process - a unique way to persuade and convince customers about their Life Insurance needs and how to buy them to secure their LIFE - because there is an IF in between LIFE

A user-friendly guide to making expert decisions on life insurance policies

Need help facing the constant barrage of information from competing life insurance companies? With thirty-five years of experience in the life insurance business, Tony Steuer delivers a practical, one-of-a-kind resource for anyone involved in choosing or monitoring a life insurance policy. This guide helps make a complex financial product understandable for consumers and is an essential reference, textbook, and training manual for financial advisors. Using a simple question-and-answer format, Steuer covers the essential basics and the finer points of life insurance, including how to:

• Differentiate between types of policies
• Find and evaluate a policy and company
• Hire a trusted agent
• Understand the practice of underwriting
• Monitor a policy's performance

With all the advice to help you avoid unnecessary pitfalls and unpleasant surprises, Steuer's guide will help you make informed, confident decisions and gain the maximum benefit from your life insurance policy.

Final Wishes Organizer for Peace of Mind ...and heart, for the Christian Family

This Final Wishes Planner includes everything your loved ones need to know and do upon your passing, and includes space for writing personal messages, should you desire to do so in this book.

Our goal is to relieve the burden on both yourself and your loved ones during difficult days, ensuring all essential relevant information is in one, easy to access place.

We have included numerous prompts to help when filling in your details in order to promote a stress-free, smooth process. We have also included additional space per section to ensure it is easy to adapt and customize as to your own specific needs.

Topics include:

• Personal identification details
• What to do and who to call at the time of passing
• Important medical information (DNR, organ donor instructions, what to do if incapacitated, healthcare power of attorney contact, Etc.)
• Assets over view, and what my loved ones can expect to receive (Note: This planner should not be considered a formal, legal will)
• Christian Ideals to Live By - Church Values, Tithing, Charities, and Related Topics
• Business / Employer and Banking Information
• Instructions for Dependents and Guardianship (children, pets, and other responsibilities)
• Location of important documentation and instructions
• Key contacts information
• Loose ends to tie up with account and log in information
• Final wishes and instructions for funeral, burial, and celebration of life
• Final farewell messages to loved ones

...and more

We hope this planner offers the peace of mind - and heart - it was designed to, in knowing that your wishes and instructions are documented and easy to share.

Warmest regards from all of us at Peace of Mind and Heart Planners

Creative Selling: Secrets from the most successful insurance salesman in history Ben Feldman is well known to life insurance agents around the world, as the most successful insurance salesman of all the time. In this book Feldman uses a question and answer format to reveal his methods of making sales and solving problems. He offer power phrases, tips and comments that will energize all salespeople. You will find that this treasury of selling methods will have a dramatic impact in your career.

In this second edition to How to Sell Indexed Universal Life Insurance you'll find an additional 50 pages of content, 7000 words, new systems, charts, graphs and easy explanations to help you understand how to potentially increase your IUL sales. My goal with this edition is to take the feedback from the first and jam pack it with useful information. If you're interested in learning more about Indexed Universal Life Insurance please give it a read and tell me what you think.

Final Wishes Organizer for Peace of Mind ...and Heart for the Christian Family

This Final Wishes Planner includes everything your loved ones need to know and do upon your passing, and includes space for writing personal messages, should you desire to do so in this book.

Our goal is to relieve the burden on both yourself and your loved ones during difficult days, ensuring all essential relevant information is in one, easy to access place.

We have included numerous prompts to help when filling in your details in order to promote a stress-free, smooth process. We have also included additional space per section to ensure it is easy to adapt and customize as to your own specific needs.

Topics include:

• Personal identification details
• What to do and who to call at the time of passing
• Important medical information (DNR, organ donor instructions, what to do if incapacitated, healthcare power of attorney contact, Etc.)
• Assets over view, and what my loved ones can expect to receive (Note: This planner should not be considered a formal, legal will)
• Christian Legacy - Church Values, Tithing, Charities, and Related Topics
• Business / Employer and Banking Information
• Instructions for Dependents and Guardianship (children, pets, and other responsibilities)
• Location of important documentation and instructions
• Key contacts information
• Loose ends to tie up with account and log in information
• Final wishes and instructions for funeral, burial, and celebration of life
• Final farewell messages to loved ones

...and more

We hope this planner offers the peace of mind - and heart - it was designed to, in knowing that your wishes and instructions are documented and easy to share.

Warmest regards from all of us at Peace of Mind and Heart Planners