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The Perpetual Wealth Strategy - Paradigm Life

The primary way we help you achieve financial freedom is through a Wealth Maximization Account, a uniquely structured, dividend-paying whole life insurance policy that uses a Paid-Up Additions rider to rapidly grow your wealth.

Actived: Thursday Jan 21, 2021

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The Perpetual Wealth Strategy - Paradigm Life

Details: The primary way we help you achieve financial freedom is through a Wealth Maximization Account, a uniquely structured, dividend-paying whole life insurance policy that uses a Paid-Up Additions rider to rapidly grow your wealth.

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Whole Life Insurance

Details: Your WMA will be underwritten by a highly rated mutual insurance company (Penn Mutual, New York Life, OneAmerica, MassMutual, and Guardian are just a few of the many companies we work with to customize your plan). Your WMA will include a paid-up additions rider to maximize growth.

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Term Life Insurance

Details: Term life insurance offers temporary protection and can help your family financially weather the unexpected. We work with the nations top mutual insurance companies like Penn Mutual, New York Life, MassMutual, OneAmerica, Guardian, and more to offer you a variety of products, including term life insurance customized for your individual financial needs.

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Disability Insurance - Paradigm Life

Details: Is your disability insurance sufficient to provide you with adequate income in the event you need it? We work with multiple mutual insurance agencies to structure a policy that provides you with the assurance that you’re taken care of. Our consultations are always free; we're here to answer your questions.

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What is Limited Pay Life Insurance? | Paradigm Life Insurance

Details: All life insurance offers a death benefit, but a death benefit in addition to living benefits makes whole life insurance superior. Life insurance as most people know it is an expense that only involves protecting your family or designated beneficiary from financial loss in case of death.

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Meet The Team | Paradigm Life

Details: These include areas like, taxes, insurance, debt, asset protection, estate planning, saving, investing and giving. He has worked in Retail Banking, Life Insurance Sales, and for the past decade been coaching business owners full time. He has a Bachelor Degree in Entrepreneurship from The University of Utah and an MBA from Westminster College of

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What Are Paid Up Additions (PUA) In Life Insurance

Details: The paid-up additions (PUA) rider is a unique additional insurance feature that is available to you when you buy whole life insurance. To understand how a PUA rider works, let’s first talk about what riders are and how they compliment an insurance policy.

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401(k) vs. Life Insurance | Which is Better for Your Needs?

Details: Life insurance policies earn guaranteed interest, plus non-guaranteed dividends (the insurance companies Paradigm Life works with have been paying dividends for over 100 years). The interest and dividends grow tax-free inside your policy and can be used in a variety of ways for additional tax advantages, including as tax-free retirement income.

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Life Insurance: The "AND" Asset - Paradigmlife.net Blog

Details: For many individuals unfamiliar with how life insurance works, understanding it as an asset can come as a surprise. Key attributes of Life Insurance include, liquidity, tax-free growth, market protection, and guaranteed growth – those living benefits are in addition to a policy also providing a death benefit.

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How Safe is FDIC Insurance? - Paradigmlife.net Blog

Details: The Board of Directors of the Federal Deposit Insurance Corporation today voted to levy a special assessment on insured institutions as part of the agency’s efforts to rebuild the Deposit Insurance Fund (DIF) and help maintain public confidence in the banking system. . . . . .The special assessment will be collected September 30, 2009.

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Military Life Insurance - Converting It Into a Whole Life

Details: Military life insurance is a great benefit for our country’s service members, but it isn’t your only option, and may become prohibitively expensive in your later years. For insurance coverage that is guaranteed for life (with rates that won’t go up) whole life insurance may be a better option.

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What is a Rider? In Terms of Insurance - Paradigm Life

Details: Tagged: Life Insurance, Life Insurance Riders, Paradigm Life, Permanent Life Insurance, Whole Life Insurance A Rider is a provision of an insurance policy that is purchased separately from the basic policy which provides additional benefits, sometimes at an additional cost.

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5 Characteristics of a Good Life Insurance Agent

Details: Purchasing life insurance is a major step in life, but a necessary one. Of the many options in regards to life insurance, Whole Life Insurance is second to no other life insurance option. The cash value and living benefits are phenomenal for any and all life and financial needs.

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The Cash Value of Whole Life Insurance

Details: Traditional whole life insurance policies won’t provide enough of a return to enjoy these benefits. One of the best ways to grow the cash value of your insurance policy is with a Paid-Up Additions rider. Interest. Whole life insurance is a unilateral contract between the insurance company and the policy owner.

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Issue 3: The Most Valuable Benefit of Life Insurance for

Details: The Value of Life Insurance for Children. Opening up a Wealth Maximization Account (a whole life policy designed for high cash value) on your children or grandchildren is an incredible way to set them up for a secure financial future. But the life insurance policy itself isn't what changes your child's life, it's the education behind it.

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How Life Insurance is a Protected Asset

Details: Permanent Life Insurance Creates Safety. Traditional whole life insurance creates financial safety for an owner in a number of ways. Not only are you guaranteed a death benefit, but with properly structured permanent life insurance you are building a cash value that can be accessed with many tax benefits, if not be entirely tax-free.

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Is a Straight Life Policy Right for Me? - Paradigmlife.net

Details: The insurance company will charge you interest on the amount you borrow (typically less than a bank or other creditor). Any unpaid loans will be deducted, plus interest, from your death benefit. The policy loan feature of your straight life insurance policy makes it an “AND” asset.

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5 Businesses Saved by Cash Value Life Insurance

Details: Cash Value Life Insurance vs. Banks. Business owners and managers alike understand the importance of having liquid capital to support growth. Though money for a business is necessary, often times finding it or borrowing it can be difficult and stressful.

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Cash Flow Banking With Whole Life Insurance Explained

Details: The mutual insurance companies we work with at Paradigm Life have paid out dividends to policyholders for over 100 years. Regardless of how well your mutual insurance company performs in any given year, you will still receive guaranteed interest and your policy won’t lose value. With whole life insurance, your family receives a death benefit

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Estate Planning 101: A Guide to Estate Planning With Life

Details: Many insurance carriers offer stand-alone disability insurance, which covers the cost of being unemployed due to a disability by replacing a portion of lost income, and long-term care insurance, which can cover nursing home or hospice costs and medical bills not covered by health insurance. Whole life insurance can be built to include both.

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5 Reasons Business Owners Need Life Insurance for Business

Details: Life insurance for business owners is an excellent asset that can be utilized, as it provides flexibility, growth and security. Many Fortune 100 and 500 companies have utilized the power of whole life insurance for decades.

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Private Family Banking System With Whole Life Insurance

Details: Private family banking is a system where you save money in mutually traded whole life insurance companies instead of in a bank. The insurance company is your bank. They pay you a guaranteed rate of interest—much higher than you would earn in even a high-interest savings account or CD—and will also pay out non-guaranteed dividends based on

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A Glance at the History of Life Insurance

Details: 1887 – Ameritas Insurance Company is established. 1901 – The Afro American life insurance company is established allowing African Americans to be able to afford basic life insurance benefits. 1904 – MTL Insurance Company is established. 1925 – Ordinary Life Insurance surpassed all other types of life insurance available in America.

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Why Whole Life Insurance Should Be Your Goal

Details: Whole Life Insurance IS an “AND” Asset There is a reason why large banks and corporations hold millions of dollars in a permanent life insurance policy. A whole life insurance policy not only gives the policyowner the opportunity to offset possible financial blunders, it also affords the chance to take advantage of other investment

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Is Your Life Insurance Employee Benefit Enough

Details: Whole life insurance is sometimes offered in a group plan, and the upside is that you can usually keep your whole life policy if you leave your job, which isn’t as common with term insurance. However, you’ll likely have to take a medical exam to qualify, and if the plan isn’t structured correctly, you won’t see rapid growth in your policy.

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Cash Value Insurance Vs. IRA 401K - Paradigm Life

Details: Recently an article published on Yahoo! discussed the advantages and benefits of Cash Value Life Insurance. Not only did the author list many of the benefits found within Cash Value Life Insurance (Whole Life), but he went one step further and compared them to traditional savings plans (ROTH IRA, IRA, 401(k), just to name a few).

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Paid-Up Additions Riders (PUAR)

Details: The utilization of the Paid-Up Additions Rider with traditional whole life insurance creates more flexible terms and immediate cash value. It also accentuates whole life insurance’s century-long track record of guaranteed growth and living benefits. The PUA Rider is a vital component of a properly designed Infinite Banking policy.

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Benefits of an Irrevocable Life Insurance Trust

Details: When your insurance policies are owned by a trust, you can eliminate or greatly reduce your tax liability. 2. Helps avoid gift taxes. In an irrevocable life insurance trust, contributions made by the grantor are considered gifts to the beneficiaries but typically don’t require a gift tax return to be filed.

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Does Inflation Affect Whole Life Insurance the Same as

Details: A whole life insurance policy also earns non-guaranteed returns, based on the performance of the insurance company. As a policy holder, you are entitled to reap the benefits of an insurance company’s good year. In fact, most insurance companies have paid out dividends to their policy holders consistently for nearly 200 years.

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401(k) or Whole Life Insurance | Paradigm Life

Details: 401(k) or Whole Life Insurance How to save for retirement without sacrificing cash flow. Aaron knows the importance of investing for a comfortable retirement, but doesn’t want to tie up all his cash in a qualified plan he’ll be penalized for accessing before age 59 ½.

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Frequently Asked Questions - Paradigm Life

Details: Whole life insurance is a type of dividend-paying life insurance that earns a guaranteed cash value at a predetermined fixed rate. Tax-free, low-interest loans can be taken against the cash value of a whole life insurance policy. This is known as a living benefit.

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5 Reasons Why It’s a Good Idea for Business Owners to Own

Details: Whole Life Insurance provides an Ideal place for Business Capital; Each time that a premium is paid into a whole life insurance policy an increasing percentage of that premium builds cash value. As the contractual owner of the life insurance policy, the business owner has first rights to the cash value.

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Perpetual Wealth 101 - Paradigm Life

Details: Perpetual Wealth 101 consists of a series of free videos that teach you The Perpetual Wealth Strategy ™ and guide you to a secure financial future. Whether you already have a Wealth Maximization Account™ or are simply looking for more information about what we do at Paradigm Life, this free eLearning course was created for you.

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About - Paradigm Life

Details: The Paradigm team has many things in common but most importantly, a passion for finance and building your wealth Learn more about our team here.

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Why Use a Paid-Up Additions Rider (PUA)

Details: The most important element to utilizing the Infinite Banking Concept with Whole Life Insurance is the Paid-Up Additions Rider, or PUAR. Specifically, the Paid- Up Additions Rider is additional insurance coverage that is purchased separately from your policy. By utilizing this rider option, a policyowner is increasing both the living and death benefits, along with an increase in cash value.

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How the Family Bank Benefits When You Insure Loved Ones

Details: Discussing the f amily bank and whole life insurance isn’t a particularly romantic topic. Most people with life insurance policies name their spouse as the beneficiary and leave it at that. But taking out additional whole life insurance policies on your loved ones might just be the best Valentine’s gift you buy this year.

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What Are Life Insurance Policy Riders? | Paradigm Life

Details: The life insurance supplement rider is ideal for anyone who wants the benefits of a whole life insurance policy, like cash value with guaranteed interest and potential dividends, liquidity, policy loans, and tax advantages, but who can’t afford whole life insurance premiums.

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Is Cash Value Growth in a Life Insurance Policy Tax-Free

Details: So considering how stingy the IRS is, how is it that a whole life insurance policy will allow you to use the growth within the policy tax-free? To understand how ‘tax free’ works in your policy, we need to understand the Modified Endowment Contract (“MEC”) limitation. This limitation is set by the IRS and is determined based on the

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Policy Loan 101: How to Earn Interest On Yourself

Details: Most insurance companies charge 6-8% APR, but your rate may vary. Speak with your insurance carrier or Wealth Strategist for specifics. Contributing to Your Whole Life Insurance Policy. To maximize the benefits of your whole life insurance policy, focus on funding it in this order: 1. Pay your premium. 2.

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Three Reasons to Choose Life Insurance Instead of a 401K

Details: A life insurance policy provides protection from market volatility, meaning that your cash value won’t be affected, regardless of how much the market drops. A 401K, however, is heavily dependent on the market and is also often more costly in terms of fees as the wisest approach to protect your money is to employ a professional to handle it

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Death, Taxes, and Your Policy - Paradigmlife.net Blog

Details: However, in a properly structured life insurance policy, the death benefit will continue to increase, and could push the total value of your estate over that limit, causing a taxable event. Transferring ownership of the policy—at least three years prior to your death—will prevent your death benefit from being counted as part of your estate.

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What is Whole Life Insurance?

Details: Whole life insurance is for the person who wants guaranteed permanent coverage with a guaranteed premium for life. Component Two: The Asset Element of Whole Life A Whole Life policy is a way to accumulate wealth as the regular premiums paid go toward insurance costs, but also contribute to funds increasing in a ‘savings account’.

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Using Key Person Insurance (BOLI-COLI)

Details: Key Person Insurance for Independent Business Owners. If you are a business owner looking to purchase Key Person Insurance because you are the key person, you would instead need to purchase a personal life insurance policy. The only time the purchase of Key Person Insurance for yourself is merited is if there is a third party beneficiary.

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What Is The Guaranteed Insurability Rider?

Details: An insurance “rider” is any addition to your basic insurance policy that allows you to add-on benefits not included in your original policy. There are several popular riders that you might want to consider. Perhaps, the most useful of these riders is the Guaranteed Insurability Rider.

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Why Whole Life Policies "Insure" Your Foundation

Details: Whole Life Insurance is used by those who understand that their money can only be protected by something that was established long before the IRS was invented, and long before the government began writing laws that took money from its citizens by way of heavy taxes and a Fiat Currency. Whole Life Policy Offers:

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Terms and Conditions | Paradigm Life

Details: Paradigm Life Insurance, LLC is a Utah Limited Liability Company brokering various life insurance products and services offered by a multitude of companies. Unless otherwise indicated, the products and services are available for the U.S. only and not all products or services are available in all locations.

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How to Manage Your Whole Life Insurance Policy

Details: Manage these life insurance policies to strategically grow your wealth. Do wealth management from a whole other level, from a whole other plain, and looking into it with completely different eyes with a paradigm shift. What we do as wealth strategist is we help people do that. We’re going to teach you and educate you.

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Generational Wealth: How to Leave a Lifetime Legacy

Details: Whole life insurance policies from mutually-funded insurance companies offer multiple benefits to help you grow generational wealth and leave a legacy. They come with built-in tax advantages and grow cash value to be used for large purchases like business expenses, real estate, and college tuition payments.

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Issue 1: The Life Insurance Loan | Paradigm Life

Details: The Life Insurance Loan. One of the significant benefits of the Perpetual Wealth Strategy is the life insurance loan. We get questions about this component on a daily basis - both before and after clients begin their life policy - and it’s easy to see why. Our clients range from wealthy business owners and investors, to those just starting out.

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Issue 6: How the Wealth Maximization Account Complements

Details: With whole life insurance, you can make withdrawals from your IRA when the market is up, and rely on funds in your Wealth Maximization Account when the market is down, giving time for your mutual fund investments to rebound. This strategy is known as the volatility buffer. When to Fund Whole Life Insurance Instead of Your IRA

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