Is Life Insurance an Asset?

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“Got to think long term. This is not a get rich quick scheme. This is is a place that i can put my capital consistently over a long period of and the more i put in there the better it does. But these policies become more efficient with time you don t have to do anything just by the mere existence.

These policies get better and better they become more efficient as a matter of fact the most efficient whole life policy structured this away is the oldest policy that you own we do need to think long term and we should think long term. But that s not at the sacrifice that i can t have access to my capital today. I can have access to my capital in 30 days six months one year. Whatever the case may be but i m still thinking long term.

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I m going to use my capital. I was going to use it anyway now i m going to solve my own need for finance. The more i use it the better it gets because i m valuing my capital. I m putting a valuation on my capital and i m paying myself the cost of my own capital that s in addition to the actions of a life insurance policy.

Structured. This way they are very powerful from day one they get more and more powerful every day every year. They re in existence so by me using my capital. They re only going to become more efficient and more powerful.

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Okay now think about this i ve got a daughter she s five in 50 years. She s going to be mid middle middle age. I m gonna be dead and gone. I m not going to be here the best policy that i have today the most efficient policy that i have today is her policy because in the fiftieth year or 50 years from now.

That policy is going to be much more efficient than any of the policies that i have on my life or my wife s life because you have the exponential curve in these life insurance policies. The internal rate of return may be four to six percent over a lifetime. But in the first couple of years there s a net loss if i put 100000 in i m gonna lose access to about you know 20 of that or 20000. Whatever it may be how can i say that if i ve had a net loss in the first year or two how can i say that if the premium that i paid in doesn t equal the cash value until the fifth year because in the fiftieth year of the policy.

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The internal rate of return is tremendous. But also most people don t consider that there s an internal rate of return on the cash value there s an internal rate of return on the death benefit. And there s an internal rate of return on the cash flow. Because if i pay a premium end of the policy and i take a loan from the insurance company with that policy as collateral.

That is a cash flow money flowed in and money flowed out. There is a rate of return on a cash flow with a life insurance policy and the financial professional hasn t been taught this he can t teach his clients. If he doesn t know most you know have you ever heard. There were there was an internal rate of return on a cash flow and a life insurance policy.

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No there s an internal rate of return on the death benefit. There s an internal rate of return on the cash value. And there s an internal rate of return on the cash flow. That s powerful and compare that to other assets that have guarantees because i have ironclad guarantees and life insurance policy.

So if you look at life insurance as an asset class. It s ” ..

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