It’s time for a Digital Lifestyle

It’s time for a Digital Lifestyle

When the baby boomers were born, there were 45 workers for every retiree collecting social security. Now it is less than 3 to 1, an unsustainable ratio that calls the future of social security into question.

Though pensions were declining before the Great Recession, the corporate world has now all but abandoned them. Colliding with the economic devastation is the other transformational event.

Advances in medicine, nutrition and technology have stretched the average human lifespan beyond 75 years, adding an additional two decades or more. Baby boomers and following generations can now expect to live well into their 80’s, 90’s or longer. Seemingly a blessing, this new expectation poses a terrifying threat – the likelihood of going broke in old age.

61% of people are more afraid of outliving their money than dying. An unstable economy. An unreliable market. The collapse of the old retirement model. The financial burdens of a longer life. It is the end of wealth and retirement as you know it, and with it, a new beginning.

Yesterday’s financial models may be gone, but prosperity in our nation is far from over. The realities challenging today’s generations have triggered an unprecedented wave of financial activity, with billions of dollars and millions of people on the move. This wealth wave has ushered in the greatest economic story of our time.

The leaders of the financial industry will position themselves to serve baby boomers, Generation X and millennials by redefining how wealth is built and how people can thrive after 65.

Tens of thousands of new financial professionals are needed at a time when their ranks are ageing and their numbers are diminishing. Someone must respond to this critical need with a new wave of financial professionals for the future. That someone, that wave, is us.

We are responding to this crisis with our biggest expansion in three decades. Only four states in the US offer a financial education in public schools. Our nation has paid the price. We offer an unparalleled financial education to those who have never been exposed to such essential concepts as The Rule of 72, The power of compound interest and the impact of losses and taxes.

We give families a safety-first approach by helping them protect their income and their future with financial vehicles designed for the realities of today. Our associates present families with insurance products that have evolved to offer a wide array of benefits, like tax-free income and long term care protection.

We provide a world class wealth management platform that offers everyday investors a financial game changer, access to active management strategies that were once only available to the very wealthy. And finally – and perhaps most importantly – we open the doors for anyone, regardless of their age or experience, to become part of the wealth wave by building their own financial services business.

Behind our team is a world class financial organization. Their entry-level leaders, many part time, with full licensing average $80,000 per year in earnings, with the highest exceeding $640,000. Associates at our top executive positions are averaging almost $900,000 annually, with the highest earning over 7 million dollars this year alone.

Our business is an entrepreneurial opportunity with no boss, no salary caps, no required work hours, no layoffs and no limits on how much you can earn or how fast you can grow. You can earn more income from your own efforts and from those of your team and you can earn income from products that produce first year and recurring revenue.

It is a business that can give you the three things you may have thought you’d lost forever. The chance to make a difference, the opportunity to build personal wealth and the hope that your later years will be lived on your terms.

Regardless of your age or experience, this could be the right business at the right time for you. Few opportunities give you the support of some of the financial industries’ strongest and most recognizable names. Put your company’s history, experience and reputation behind you and become part of a championship team.

In this new frontier of wealth and retirement – baby boomers, Generation X and millennials all around you need a financial professional with a way forward.

Why not let it be YOU!

Hey Industry Professionals, come join us in helping others!

Hello there. Let me tell you who we are and what we do.  My name is Sindy and I am a financial professional and a financial talent scout for our virtual financial services organization. 

Many families are open to receiving guidance to help them achieve their dreams of realizing the lifestyle they always imagined, however, only 39% of families have enough savings to cover a $1,000 emergency.  LIMRA (Life Insurance and Market Research Association) found that 60% of US retirees are worried about their Social Security benefits being cut and almost 50% are concerned about whether they will be able to cover health care expenses that exceed what Medicare will cover.  We are committed to helping families get on track to build and live the lifestyle they have always dreamed possible.

Our vision:

  • Create a generation of people who are disciplined and wise with their money.
  • Help our agents build strong virtual businesses that provide the freedom to choose where and when they work, play, travel & live.

What we do for families!

There is now a dramatic market need for financial literacy.  Most financial companies are focused only on the wealthy with minimum investments starting at $200,000 to $250,000.  Consequently, most families are dramatically under-served.  There is an overwhelming need but insufficient distribution.  At a time when a financial education is needed like never before, the industry has been slow to respond, creating a huge opportunity for you to capitalize.

The sad current situation of many families is that they are under protected and living with too much debt.  Not saving, or if they are, not clearly understanding why or how much savings they will need to meet their goals and dreams later in life.  Often they don’t have a strategy to overcome these dilemmas or are not making enough money to do anything about it anyway so they simply give up and just run the so-called “rat race”.  What actually happens to people who don’t get the help they need?

The price is being paid by too many families – they have a lack of financial independence, which contributes to the following:

  • Stress and frustration in the home
  • Negative impact on marriages and children
  • Lost opportunities
  • Lost confidence
  • Lowered expectations

Do you know anyone that is experiencing this now?  Or are you possibly experiencing any of these in your own life?  If we really want to experience a true quality of life, we have to take control of our financial situation.

Our Mission!

  • We share the insight and understanding that the wealthy have with every family we can reach
  • We help families set goals and have a clear strategy to pursue them
  • We are driven by our desire to help families get into a better, stronger financial situation.

We start this process by doing a personalized confidential Financial Needs Analysis that takes a snapshot of a family’s current financial situation.  We then make recommendations based on their goals and objectives allowing us to select products that best fit that family’s individual needs.   We access some of the most respected companies in the industry today. Giving them access to leading-edge products designed to help families pursue financial independence.

There are so many products and services that are available to help families reach their financial goals and dreams. Too many to simply list here.

How We Do It!

We offer products such as Indexed Universal Life Insurance.  And many other products.

  • The main purpose of Life Insurance is to provide a death benefit to the beneficiary.
  • No income tax on potential cash value growth so it grows tax deferred.
  • No income tax on withdrawals through policy loans so you can access most of your cash value income tax-free.
  • No federal income tax on death benefit to your beneficiaries.

Living Benefits offer your family benefits you can use while you are still living.  It can help protect your family’s plans for today and tomorrow.

  • Chronic Illness Protection
  • Terminal Illness Protection
  • Critical Illness Protection
  • Death Benefit Protection

As a Financial Services Organization with Financial Professionals who come with years of proven success, experience, knowledge and hundreds of business partners and resources we are here to assist families in this endeavor.

Come Join Us In Our Mission!

Every ingredient is readily available to our professionals in order to ensure their success. No industry pays more than the money business.

If you like the idea of starting a business in the financial industry but worry about the high cost and high risk that could come with it, you will love the possibilities offered through our organization.

  • Solid Technology = Leverage a modern back-office with technology that helps you become an efficient and effective business owner.
  • Proven System = Put our simple system to use so you can focus on growing your business instead of creating your own model.
  • Growth Potential = Enjoy compensation and advancement opportunities that are unlike anything else in the financial services industry.
  • Life-Changing Events = Experience events and trips that will push you to work harder, past big milestones toward your dreams.
  • Smart Marketing = Reach contacts, prospects, followers and your team with a digital marketing suite that brings your business to life.
  • Back-Office Support = Rely on our home office experts who manage commissions, licensing and more, so you don’t have to.
  • Helpful Training = Grow constantly with mentorship and guidance from virtual financial entrepreneurs who are dedicated to your success.
  • Recognition = Receive meaningful acknowledgement of your accomplishments with memorable rewards that mark your successes.

We have a virtual nationwide completely E-business model.  The financial services industry is changing, especially in these new post Covid19 times.  You can run a business fully virtual, from anywhere.  24/7/365 support, client videos, emails and training videos.  Electronic applications and E-signature systems are available.

To work in this wonderful virtual arena, we have three powerful roles in which you can align yourself with.

  1. Inviter Role = Invite guests and prospects to our recorded webinars. Drive traffic to your replicated websites. Send proven email templates to prospects.
  2. Manager Role = Get new reps to commit to a fast start. Schedule appointment with Financial Professional to discuss your personal strategy.
  3. Financial Professional Role = Meet with clients online to set up a suitable monthly plan. Follow through the entire underwriting process, stay in communication with client, keep referring inviters and managers informed.

Senior Marketing Director (Life License Only) – Average Earnings $42,821 to Highest $759,874

Executive Marketing Director – Average Earnings $222,231 to Highest at $2,091,572

CEO Marketing Director – Average Earnings $415,116 to Highest at $2,961,610

The Virtual Advantage!

A review of our virtual advantage

  • You can work from home or anywhere
  • For only the cost of phone, laptop and replicated websites
  • A full 50 state virtual reach, as well as Canada, Puerto Rico & other areas to come
  • Full virtual teams for workload support

With our plan you can be more productive, have more control of your time and have a better quality of life.

We are a Family Focused Business. We involve and support the families of our agents. We believe in teamwork in the home – this creates an environment where we are happier and more effective.  And we encourage our business partners and their families to be optimistic and never stop dreaming about how good life can be.

We have three different work level options to choose from:

  1. Client = Grow your financial knowledge. Utilize our strategies to plan for your future.
  2. Part-Time = Become a licensed financial professional. Choose your own hours and build your business on your own terms.
  3. Full-Time = Build a business without limitations as big as your vision. Take advantage of a wide variety of incentives.

Come and join us, help yourself, help others and get paid very handsomely to do so!

Can you use your Life Insurance in your Retirement Plan?

Can someone use their life insurance in their retirement plan?

Let’s first explore what retirement looks like these days.  For clarification, the main difference between a strictly unemployed person and a retiree:  Someone in retirement currently has some type of income.  This retirement usually comes in one of two different ways:

  1. Either a pension or some type of investment like a 401k or IRA.
  2. Government funds such as Social Security.
  3. Saving a lump sum of money and withdrawing from it regularly, such as an inheritance or an annuity.

For the example below, let’s assume you don’t have a pension from your company nor a 401k or IRA. In this scenario, your retirement would be 100% dependent on your savings.

The amount you require to successfully retire is dependent on two main factors:

  1. The annual income that you desire during your retirement years.
  2. The length of time you desire to have that income aka as RETIREMENT YEARS.

To keep things simple, say you want to retire at 65 years old with the same retirement income per year as your pre-retirement income per year – $50,000. According to the World Bank, the average life expectancy in the US is 79 (as of 2015).¹ Let’s round it up and call it 80 for our example which means we should plan for income for a minimum of 15 years. (For our purposes here we’re going to disregard the impact of inflation and taxes to keep our math simple.) With that in mind, this would be the minimum amount we would need saved up by age 60:

$50,000 x 15 years = $750,000

There it is: to retire with a $50,000 annual income for 15 years, you’d need to save $750,000. The next challenge is to figure out how to get to that number (if you’re not already there) the most efficient way you can. The more time you have, the easier it can be to get to that number since you have more time for contributions and account growth.

If this number seems daunting to you, you’re not alone. The mean savings amount for American families with members between 56-61 is $163,577² – nearly half a million dollars off our theoretical retirement number. Using these actual savings numbers, even if you decided to live a thriftier lifestyle of $20,000 or $30,000 per year, that would mean you could retire for 8-9 years max!

One option that you could consider is a tool that you don’t normally consider when preparing for retirement.  Your life insurance policy.

One of the benefits of a permanent life insurance policy is the ability to accrue “cash value”.  In its simplest form, the cash value within a policy is the balance remaining after a portion of a premium payment is applied to insurance costs.  It is this feature that provides a few different uses for life insurance in retirement. The cash-value account grows over time and can be withdrawn as a source of income as long as the withdrawal amounts don’t exceed the amount paid in premiums.

Another option is to borrow from the cash value.  Think of it as a loan you are getting form your future self.  Technically, you’re not required to pay it back, although it will accrue interest and ultimately the loan amount will be deducted from the death benefit  (which is the amount paid to your family upon your death).

This brings up another discussion point:  Term Life Insurance.  This is life insurance that does NOT provide a cash value option, does not have a withdrawal or borrow opportunity but it DOES provide a death benefit coverage for your beneficiary(ies).  If your term policy is close to expiring or you only have a term policy through your employer, you need to obtain a new illustration to see what the cost might be in your retirement years and even IF you can qualify at that point.  Weighing out the cost now for your current self, versus the cost your future self could pay has to be considered now.

All of this information may be hard to hear for the first time, but it is the first real step to preparing for your retirement.  Knowing your number gives you an idea where you want to go.  After that, It’s figuring out a path to that destination.  If retirement is one of the goals you’d like to pursue, let’s get together and figure out a course to get you there — no math degree required!

¹ “Life expectancy at birth, total (years).” The World Bank, 2018,
² Elkins, Kathleen. “Here’s how much the average family in their 50s has saved for retirement.” CNBC, 4.21.2017,

₃  Investopedia. Do You Need Insurance After Your Retire? Tim Parker. January 7, 2016.


Why would someone choose Short Term Life Insurance?

Why would someone choose Short Term Life Insurance?

Short term life insurance might be a good fit if you have short-term goals or want financial protection for a specific amount of time. Reasons for utilizing short term life insurance might be one of the following:

  1. If you have a 20-year home mortgage, then you may want to purchase a 20-year term policy. That way, you will know that your family can pay off the mortgage and remain in their home should anything happen to you.
  2. A term policy might also be a good option if you want insurance coverage just for the years you are paying for a child’s education.
  3. Maybe you are paying off a business loan and you don’t want a spouse or partner to be burdened with the balance.
  4. Additionally, If you are a small business owner, term insurance can be used to protect against the untimely death of a key employee.

In each of these examples, the term ends along with your specific financial obligation, so you are not paying for coverage that you no longer need. For that reason, term life insurance can be a flexible and affordable coverage solution for a range of situations.

Are there Differences Among Term Insurance Policies?

The biggest differences between term insurance policies are the length of time the coverage is for. Some term policies offer optional features called riders that allow you to customize your policy. For example, you can add your children to your policy or get accidental death protection if need be.

Moreover, a term insurance policy can be increasing or decreasing.  A decreasing term life insurance policy would best be used to cover the life of a homeowner for the death benefit to cover for a mortgage.  For example, the primary breadwinner of the family and their spouse is on the deed and the mortgage.  The primary breadwinner passes and leaves the mortgage debt to the stay-at-home spouse.  In this case, the 2nd spouse would need to either go get employment to make the income to pay debts, including the mortgage, or lose the house and possibly all the assets or (worse case scenario) marry immediately so he/she can have another primary breadwinner to fill the financial void.  The decreasing term insurance death benefit can be used to pay off the mortgage and possibly all the other debts as well, leaving the stay-at-home spouse to effectively grieve and move into the next season of life without much worry or unnecessary anxiety.

Increasing term life insurance could be used in the case of having several children that might accrue education debt in future years and the parents feel as though they want to cover the cost.  In the parents’ demise, the increasing term death benefit would be able to cover the entire cost (if not a large portion of the cost) of the children’s education cost without worry or unnecessary anxiety.

At this point, it is important to note one unique type of term life insurance policy which is what is known as a return of premium term policy. With this type of policy, all premiums that have been paid are returned to the policy owner at the end of the level-premium period (terms and conditions may apply).

What Happens at the end of the Term of a Term Life Insurance Policy?

At the end of the term, you have the option of letting your coverage end, keeping it by continuing to pay the premiums, or possibly converting it to some type of a permanent life insurance policy.  We discuss various types of permanent policy options in another blog. Remember, if you do choose to convert, be sure to work with a reputable company that offers quality life insurance options.

If you choose to keep the policy after the level-premium period ends, your premiums will increase each year as outlined in your contract and usually will stop at age 85, unless otherwise indicated when the policy ends.

How Much Term Life Insurance Do I Need?

As a general rule you should purchase a term life insurance policy for 10–12 times your annual income. That way, your salary will be replaced for your family if something happens to you.

And don’t forget to get term life insurance for both spouses, even if one of you stays at home with the kids. Think about what you would pay in childcare and home upkeep costs if the stay-at-home parent was gone! No matter what, you both need term life insurance.

Want to make sure your family is covered no matter what happens? Check on your coverage BEFORE it becomes an emergency.

Most financial professionals recommend that if you decide to buy a term policy be sure it is with a term that will see you through until your kids are heading off to college and living on their own. That might be anywhere from 20 years, if you already have children, to 30 years if you do not have children or aren’t finished adding to your family yet.

A lot of life or death can happen in 20 years.

Don’t Wait Until You Need Life Insurance to Get It

The truth is, we cannot see the future and aren’t promised tomorrow. Life is precious! And the ideal time to buy life insurance is when you are young and have a clean bill of health. Especially since life insurance companies are all about weighing the risks of the person purchasing the policy.

Our strong opinion is that you should get your term life insurance policy, as much as you can afford to cover as much of your family’s needs, as possible. (In hindsight timing is everything).  Then take as many funds as you possibly can, immediately set up your emergency fund and then set a short term plan to push hard to put as much as you possibly can in a very wise (and fully proven) investment to allow your money to grow in your sleep!  That way you can begin building your nest egg.  Unless you can imagine yourself working until the day you die, then why not work now while you can in order to prepare for those later years so that you can actually enjoy the fruits of your labor.