Can you relate with these statements?
I’d like to “become my own banker”, but I first need to figure out if this is legit.
I need someone to lay out the pros & cons and how it works in plain English.
I want an agent who will model out my options, and help design the optimal policy given how I’m stacking cash flow with “The Income Snowball.”
• I’d like to “become my own banker”, but I first need to figure out if this is legit.
• I need someone to lay out the pros & cons and how it works in plain English.
• I want an agent who will model out my options, and help design the optimal policy given how I’m stacking cash flow with “The Income Snowball.”
No Hard-Pitch
No Bait & Switch
No Frothy Fluff
No Holding Back Info
No Lackluster Products
No Pressure, Ever!
Our clients are really smart people like you!
Our goal is to educate you about all your options,
and then let you sell yourself.
Complete the form so we can share accurate & timely info with you. (Rest assured we are not interested in spamming anyone. You can easily opt-out of any genre of communication whenever!)
Pick a 30-minute slot on our team’s calendar.
Jump into a zoom call with our team, where we answer any questions you have and discuss different options to model out for you.
Probably not, but if you are over 66 or have very serious unresolved health issues, we may have to use your spouse, kids, or key employees.
That said, we’ve found that people tend disqualify themselves prematurely, where we have often been able to work magic by shopping to multiple carriers and properly framing the facts.
It’s well-documented public knowledge that major banks, fortune 500 companies, iconic American entrepreneurs, and well-known college football coaches think using life insurance is an ideal parking place for their safe & liquid reserves.
We specialize in taking this big institutional thinking and bringing it down to real estate investors, business owners, and fiscally responsible savers so they can receive the exact same benefits as they build up their Income Snowball.
We do NOT charge an up-front fee for our initial meeting to help you with your understanding of using Life Insurance in conjunction with the Tardus Income Snowball. Throughout this initial call, we are both mutually exploring if it would be a good fit for us to proceed further together.
We only get paid by your insurance company once you buy a policy on yourself, a family member, or key employee. As independent agents, we are unattached as to which company or policy type you ultimately choose and are happy to educate on and model out options to see what’s optimal for your particular situation.
Well, it depends on how complicated your health situation is, and which insurance company you like best.
If you are in relatively clean health (perhaps just some minor issues that are controlled), underwriting can take as little as a week and in many cases even without a health exam (since insurance companies have embraced AI underwriting).
If the insurance company has to do some digging into your health situation (looking into old doctor records and requesting a paramedical exam), this could push the timeframe out up to as much as 3 months.
After an initial confidential health interview, if we determine that complications are likely, then we can “anonymously shop” your fact-pattern to various carriers to see who plans to play nice with you.
Several things actually…
Most of our competitors have some kind of longer-term “sweetheart contract” with certain insurance companies. This incentivizes them to concentrate their business with said carrier to increase their commission payout in some way, shape, or form (often to your detriment).
We went fully independent in 2012 after having worked directly under 2 major insurance companies prior. We decided it was best for the clients we serve to only maintain base broker contracts with any and all carriers. Having no minimum quotas gives us the flexibility to stay nimble, move with the market, and always offer the best of breed companies & products to our clients. That way we can match you with the most appropriate offering.
What else?
Some of our competitors run bigger organizations, but we’ve had clients come over reporting how they felt like they were part of a large mill. On the other end of the spectrum is the myriad of lone-wolf agents offering loads of personal attention while selling insurance out of the back of their car, and then not properly servicing clients once the honeymoon is over.
We like to think of our team of agents as right down the middle with a lean & mean organization with every sort of licensure covered to be able to offer expanded advice when appropriate (broader education in terms financial, retirement, investment, taxation, estate, etc.).
For that reason, we don’t take on every client so we can retain the capacity to best serve those we do choose to take on.
We’d be happy to have an initial conversation to see if on paper there’s a mutually beneficial fit to move forward together.
We design all policies with a min-max premium range, where the minimum premium due is only around 20%-30% of the maximum allowable amount.
Since most people start with at least one maximum-funded premium this gives you some flexibility to skip multiple future premiums if absolutely necessary, but ideally your policy is just a receptacle from Income Snowball cash flow between investments.
If immediate flexibility is needed, then certain insurance companies are more forgiving than others, and we can focus on those companies allowing you to build up to bigger premiums down the road.
Well, there is no catch. But of course I’m going to say that, right?
Let me elaborate…
If you work with an agent or group that designs your policy properly, then you’re really just repositioning your liquidity. That’s it. You’re taking liquid assets from an inefficient holding tank (a bank or mattress paying little to no interest) and shifting that liquidity over time to one of the oldest, strongest, and/or biggest mutual life insurance companies in existence.
Why? So you can get better growth, shelter from taxation, and pick up some additional protection benefits as result. Plus, you liquidity keeps compounding even while you’re using it. That way you can build up an irrevocable line of credit that just keeps snowballing no matter what.
Is there a cost? Short term: yes – there are upfront costs and the first couple of years are the worst years. Long term: not as much – since a properly designed policy would end up with considerably more net spendable dollars than if you had not done the policy at all. Not to mention the future immunity from taxes more than makes up for the early costs.
It’s really as simple as that, and that is what we at BankingTruths.com intend to model for you in an educational non-salesy manner. Then you can decide if and how much you want to direct towards this type of private banking strategy to work in conjunction with stacking cash flow using the Tardus Income Snowball method.
There’s no catch. We offer to do this modeling for free because we’ve done this enough times to know that most of you will follow through with some sort of policy initially only to get more policies in the future on family members.
We’re ready when you are. Just remember you’re not getting any younger. So when’s the best time to plant an oak tree? 20 years ago. When’s the next best time?
Now!
Book your call today so we can model out the math to prove it!!!