I help people see visions, dream dreams, and achieve economic immortality.

When I was first learning the life insurance business, one of the instructors of my pre-licensing course mentioned something to the effect of "life insurance creates an immediate estate". I didn't think much of it at the time, but now, after having been in the business for several years, I have a clear understanding of what he meant and it is my hope that I can convey the power of his statement to you.

We tend to think of life insurance as a necessary evil, akin to automobile or fire insurance. To some extent this is a fair comparison. Most of the time we buy life insurance because we know that if something happens to us, our family is going to suffer. In addition to the emotional and psychological turmoil, they will also suffer a real financial loss. After all, if we pass away, we won't be around to bring a paycheck home anymore! And without that big check that the insurance company delivers, our families would struggle financially and would often be forced to make difficult decisions--decisions like moving in with relatives, moving to a smaller house or a less-than-desirable neighborhood, postponing college educations, etc.

So we think of life insurance as a tool to protect our income should the possibility of our death become a reality. This makes sense. But unlike car insurance, where we are truly insuring against a possibility, life insurance insures against a certainty. (Benjamin Franklin is often quotes as saying that "in this world nothing can be said to be certain, except death and taxes.") It is in this certainty that the real power of life insurance can be felt.

The right kind of insurance, properly purchased, creates an economically immortal estate. There is no more efficient method of passing wealth from generation to generation than through the use of life insurance.
Properly structured, life insurance benefits pass completely tax free to the beneficiaries. That's free of income tax, estate tax, property tax or any other kind of tax. That's right, 100% tax free transfer of wealth, regardless of the size of one's estate and regardless of our government's current stance on estate tax rates. So what does this mean? Well, for one thing, it means that a family can use their other economic resources to their full extent (maximum efficiency) because they don't have to worry about preserving their assets to pass on to their children. It means that husbands and wives can maximize their pension benefits, because on their passing, a large death benefit will be created, enabling the surviving spouse to survive, even flourish in his or her remaining years. The existence of a death benefit frees a person from having to conserve his assets, allowing him to fulfill his dreams today without worrying about his family's tomorrows.

Here is something to think about: in my time as a life insurance salesperson, I've never once heard anyone complain that the death benefit that they received was too large.  Why do you suppose that is?

Next: I am savings.