Training

The 3 Ways Money GROWS

There are only three ways your money can grow:

Fixed Growth (Safe, but slow)
Variable Growth (High risk, high reward)
Indexed Growth (Best of both worlds: growth + safety)

Best of both worlds!...

Indexed Universal Life (IULs), Fixed Index Annuities (FIAs)

You get growth like the stock market, but with protection from losses — meaning your money is always growing safely.

Insurance isn't just about death benefits — it’s also about living benefits, tax-free growth, protection from market losses, and peace of mind

The 5 Homes of MONEY

The "5 Homes of Money" is a simple way to show people where their money can go — and why insurance (especially life insurance with living benefits) is a powerful tool.

Most people only think about the first four homes (bank, stock market, qualified plans (401k), and real estate).

They often overlook insurance as a powerful 5th home where your money can grow safely, be accessed when needed, protect your family, and build a legacy.

Insurance isn't just about death benefits — it’s also about living benefits, tax-free growth, protection from market losses, and peace of mind

The Rule of 72

The Rule of 72 is a quick, easy formula to estimate how long it will take for your money to double, based on the interest rate you're earning.

Slow growth at the bank hurts you. Not good for building wealth.

Risky growth in the market can wipe you out. Not good for building wealth.

So the faster your money can double safely, the sooner you can reach financial security.

Insurance-based solutions (like IULs) help you grow and protect your money without the risk of Wall Street, with the added power of living benefits and tax-free access.

The Rule of 100

The Rule of 100 is a simple guideline for retirement planning that helps determine how much of your money should be in safe, protected investments versus how much can be in riskier investments like stocks.

The rest should be safe (protected) — often in things like insurance products (IULs, annuities, etc.)

As you get older, you have less time to recover from losses.

It’s about moving from “accumulation” to “preservation.”

The Power of Tax-Advantaged Accounts

It's powerful to grow and protect your money in tax-advantaged vehicles — like certain insurance products (IULs, annuities, etc.) — instead of regular taxable accounts.

There are 3 types of money based on how it’s taxed:

1. Tax-Now (Taxable) Accounts: You pay taxes every year on any interest, dividends, or capital gains.

RISK: Taxes can eat away your profits year after year.

Examples: Checking accounts, savings accounts, CDs, brokerage accounts.

2. Tax-Later (Tax-Deferred) Accounts: You don’t pay taxes now.

RISK: Taxes in the future might be higher than today.

Examples: 401(k)s, Traditional IRAs, pension plans.

3. Tax-Advantaged (Tax-Free) Accounts: You pay taxes now (or pay premiums) but grow money tax-free and withdraw it tax-free later.

BENEFIT: No taxes on growth. No taxes on withdrawals (if structured properly). Protects your wealth from rising future taxes. Access living benefits in case of illness without penalties or taxes.

Examples: Roth IRAs, properly structured cash value life insurance (like Indexed Universal Life – IUL).

Why You Need Living Benefits

It's not just death protection — it's life protection.

Traditional life insurance protects your family when you die.

Life insurance with Living Benefits protects YOU while you're alive.

It gives you early access to your insurance money if something serious happens — not just after death.

For major life challenges like:

Critical Illness (heart attack, cancer, stroke, etc.)
Chronic Illness (can’t perform basic activities of daily living)
Terminal Illness (diagnosed with limited time to live)

You can use this money for:

Paying medical bills
Replacing lost income
Covering mortgage or debt
Getting the best possible treatment
Supporting your family during tough times

It’s often included at no extra cost in many modern insurance policies like IULs (Indexed Universal Life).

ONLY Have Life Insurance Through Your Employer?

Many people rely only on the life insurance that their employer provides. This is VERY RISKY!

1. You don't truly own job-based life insurance.

• Your employer owns the policy, not you.
• If you quit, get laid off, or the company shuts down, you lose your life insurance immediately.
• No job = No coverage.

 2. Your employer owned insurance usually isn’t enough.

Most employer policies only offer 1x to 2x your salary in coverage.
Example: If you make $50,000, your coverage might only be $50,000 – $100,000.
Problem:

That's not nearly enough to cover your mortgage, debts, kids’ education, and your family's future needs.

3. You could lose coverage when you need it most.

Imagine you develop a health issue while working.
Then you lose your job (due to layoffs, company closes, etc.).
Now you’re uninsurable or have to pay way more to get new coverage privately — if you even qualify.

4. Group policies may increase in cost or end after retirement.

Many job plans end when you retire or get very expensive as you get older.

Your healthy when you're young and it is your best time to lock in low-cost, permanent protection!

ONLY Have A Retirement Plan Through Your Employer?

Most people rely too much on their employer’s retirement plans (like a 401(k)), but that’s a risky.

Your job might help you save for retirement — but you need your own plan if you want real security, real freedom, and real control."

1. You don't control your employer’s retirement plan.

• Your employer chooses the plan options and rules — not you.
• They control how the plan is managed, what investments are available, and whether they even offer a plan at all.
• Employers can change their matching contributions, freeze plans, or discontinue benefits.

If you leave your job, you might have to move or cash out your retirement savings — possibly facing taxes and penalties.

2. Most employer plans are at the mercy of the stock market.

• 401(k)s and similar plans are tied to market risk — meaning you can lose money in a crash.
• No guarantees — your retirement could shrink overnight.

• 3. Your job's plan may not offer enough tax advantages.

  Traditional 401(k)s are tax-deferred — meaning you still have to pay taxes when you withdraw.
  Future tax rates could be much higher, eating away at your retirement income.

  Building tax-free money now (with other options like IULs) protects you from rising taxes later.