FAQ

-A product that combines savings and life insurance, designed specifically for individuals seeking long-term financial planning and wealth transfer 

-The cost has many variables that can change based on the goals of the product's performance. The least expensive plans are less than $3 a month! Plans do not have an investment limit, but certain objectives and features require higher minimums.

-There are no credit checks, in fact, the whole idea of the policies are to give you the power back and allow you to build your own financial tools and eliminate the need for credit approvals 

 -The time frame varies depending on the complexity of the policy. The most basic standard plans can be approved in less than 10 minutes!

-No, most plans do not. Only some of the more complex customized policies have the need for medical exams. In fact, the basic policies do not even require access to a medical history report. It's a very quick and painless process with tremendous upside  

-Typically, the original owner/steward of the policy is a parent or grandparent of a minor. That minor will be the insured/future owner/steward of the policy. The final steward/beneficiary of the policy is typically the offspring of the insured. That's 1,2,3 generations reaping the benefits of the plan! (However, each upcoming steward/beneficiary can be named as anyone the owner desires and is not required to be 3rd generation offspring)

-One of the most notable benefits is that it will guarantee future insurability and lock in an extremely low rate per unit of life insurance. The benefit amount can be increased several times throughout the life of the insured without requiring any medical updates, no matter what type or how many ailments have been incurred since the original policy was put in effect

-benefits include life insurance and savings components that can be interacted with and leveraged in a tax-free or tax deferred manner. For Example: The premiums paid toward an account don't just disappear until the insured passes away. They accrue a "cash value" that compounds interest over time and can be borrowed from or against at any time without credit or lender approval. It can be used to pay for just about anything and grows at a rate higher than a typical savings account or college fund