Participating Life Insurance

Imagine A Life Insurance Policy Design to Give You Full Control of Your Assets.

Participating life insurance policies are a type of permanent life insurance that allows policyholders to not only receive death benefits but also receive dividends. These dividends are the policy’s share of the insurer’s profits and are typically paid out annually. One of the benefits of participating life insurance policies is that they can provide policyholders with additional income over time. Dividends can be used to pay premiums, purchase additional coverage or investments, or be taken in cash. Another benefit is that policyholders also have a say in how the policy is managed through voting rights. Participating life insurance policies can be a good option for those looking to secure long-term financial stability with the added potential for growth.


The Benefits

When investing in a life insurance policy, the ideal plan gives you the following benefits:

  • GUARANTEED Loan Option
  • Accessible Through Collateralization
  • Competitive Return
  • Unstructured Loan Payments
  • High Contributions
  • Deductible Contributions
  • Collateral Opportunities
  • Tax Deferred Growth
  • Tax Free Distribution
  • Safe Harbor
  • NO LOSS Provisions

The Infinite Banking Concept (IBC) is a financial strategy that lets individuals become their own bankers. It is a source of financial empowerment that can help anyone take control of their finances and build wealth over time. With IBC, a person sets up a whole life insurance policy from a mutually owned insurance company and takes out loans from the policy’s cash value. The borrowed funds are tax-free and can be used for various purposes such as investing in real estate, paying for college tuition, or starting a business. The beauty of IBC lies in its flexibility and tax advantages. Anyone can adopt this concept and tailor it to suit their financial goals and needs. Through IBC, one can create a personal banking system that offers borrowing capabilities, tax advantages, and legacy benefits to generations to come.


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Did you know there are actually 3 types of money?

Accumulated Money is money you currently have and are saving.

Lifestyle Money is money you spend to enjoy your quality of living.

Transferred Money is money you may be transferring unknowingly and unnecessarily. Some examples of transferred money are taxes, interest on credit cards, home mortgages and car payments.

Watch the Circle of Wealth video to learn more about the 3 types of money.

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