1 00:00:12,979 --> 00:00:14,180 Opportunities. 2 00:00:14,180 --> 00:00:17,250 One of the most important things that can separate the rich from the poor. 3 00:00:17,350 --> 00:00:18,885 The haves and the have nots, 4 00:00:18,885 --> 00:00:22,022 the financially free, and the ones who are consistently struggling. 5 00:00:22,022 --> 00:00:24,624 The gateway to basically everything you want in your life. 6 00:00:24,624 --> 00:00:26,326 According to Webster's Dictionary, 7 00:00:26,326 --> 00:00:29,229 an opportunity is defined as a set of circumstances 8 00:00:29,229 --> 00:00:31,998 that makes it possible to do or achieve something. 9 00:00:31,998 --> 00:00:35,001 One of the fastest ways to achieve wealth and financial freedom in your life 10 00:00:35,168 --> 00:00:39,439 is to create the circumstances, then lock the doors to unlimited opportunities. 11 00:00:39,672 --> 00:00:41,608 You are in the driver's seat. 12 00:00:41,608 --> 00:00:43,576 Welcome to the MPI strategy. 13 00:00:43,576 --> 00:00:46,179 Unlocking the door to unlimited opportunities. 14 00:00:46,179 --> 00:00:47,647 I want to share with you my experience 15 00:00:47,647 --> 00:00:51,084 on how I was able to achieve financial freedom in less than ten years. 16 00:00:51,451 --> 00:00:55,822 I will share with you the exact steps I took and believe that anyone, regardless 17 00:00:55,822 --> 00:00:59,559 of their current financial situation, can unlock unlimited financial opportunities 18 00:00:59,659 --> 00:01:02,862 and achieve the financial freedom they want in the timeframe they want it. 19 00:01:03,329 --> 00:01:05,698 It will take commitment, discipline and some time. 20 00:01:05,698 --> 00:01:08,368 And I am confident, as I've experienced it myself, 21 00:01:08,368 --> 00:01:11,104 that you will look back and know your commitment and discipline 22 00:01:11,104 --> 00:01:13,606 was one of the most important decisions in your life. 23 00:01:13,606 --> 00:01:15,241 This presentation will be interactive, 24 00:01:15,241 --> 00:01:18,411 so I want to invite you to grab a piece of paper and pen and take notes. 25 00:01:18,545 --> 00:01:20,647 Write down any questions you may have and as I go 26 00:01:20,647 --> 00:01:23,650 over specific financial concepts and frequently asked questions, 27 00:01:23,850 --> 00:01:27,487 I will provide key words the text to our number 20500 28 00:01:27,720 --> 00:01:29,622 for additional informational videos, 29 00:01:29,622 --> 00:01:33,059 or to schedule a complimentary 101 review of your financial goals. 30 00:01:33,593 --> 00:01:35,728 Before we start, let me introduce myself. 31 00:01:35,728 --> 00:01:39,232 My name is Curtis Ray. Married with five children from the beautiful state of Arizona 32 00:01:39,599 --> 00:01:42,602 with a deep passion to help others achieve financial freedom. 33 00:01:42,702 --> 00:01:45,705 I have a personal mission to educate the public about the phenomenon 34 00:01:45,705 --> 00:01:48,341 of secure compound interest, how to maximize 35 00:01:48,341 --> 00:01:52,045 every opportunity available to you, and achieve and secure maximum, 36 00:01:52,178 --> 00:01:55,548 passive income for the financial freedom you want and deserve 37 00:01:55,915 --> 00:01:58,885 while on this journey to become one of the world's experts on compound 38 00:01:58,885 --> 00:02:02,021 interest, I designed and created the MPI strategy, 39 00:02:02,155 --> 00:02:05,592 the blueprint to maximize the features and benefits of life insurance, 40 00:02:05,758 --> 00:02:09,462 real estate assets, and unlimited business and investing opportunities. 41 00:02:09,929 --> 00:02:14,567 I am also the CEO of MPI Financial Services, two time best selling author and social 42 00:02:14,567 --> 00:02:18,905 media verified on multiple platforms with over 1.6 million total followers. 43 00:02:19,472 --> 00:02:21,708 I would also like to introduce my partner, Kris Krohn. 44 00:02:21,708 --> 00:02:24,244 Married with four children from the beautiful state of Utah. 45 00:02:24,244 --> 00:02:27,914 Multi book bestselling author, a nationally known real estate investor 46 00:02:27,981 --> 00:02:33,453 with over 6500 homes in his company portfolio valued at over $2 billion 47 00:02:34,053 --> 00:02:37,223 Combined, we offer over 40 years of financial experience 48 00:02:37,223 --> 00:02:39,959 directly to the public, 100% free of charge. 49 00:02:39,959 --> 00:02:43,930 So no one has an excuse or roadblock on their path to wealth at MPI 50 00:02:43,930 --> 00:02:44,864 Financial Services, 51 00:02:44,864 --> 00:02:47,934 we believe every American should have access to every opportunity 52 00:02:47,934 --> 00:02:50,937 available through strategies that can provide benefits, including 53 00:02:51,371 --> 00:02:54,807 Permanent life insurance for immediate and lifelong family protection. 54 00:02:54,974 --> 00:02:58,912 Low expenses guaranteed secured against market risk on your savings. 55 00:02:59,145 --> 00:03:03,116 High growth potential through a simplified multi strategy combined approach. 56 00:03:03,483 --> 00:03:06,719 Accessibility to tax free cash flow at any age. 57 00:03:06,719 --> 00:03:10,490 To participate in additional investment opportunities and most importantly, 58 00:03:10,557 --> 00:03:14,327 maximize your passive income potential to achieve the financial freedom 59 00:03:14,327 --> 00:03:17,330 you want at the age that you want it penalty free. 60 00:03:17,564 --> 00:03:19,999 Over the last decade, Kris and I have been able to help 61 00:03:19,999 --> 00:03:21,100 thousands of Americans 62 00:03:21,100 --> 00:03:24,204 create their custom path to achieving their personal financial freedom. 63 00:03:24,470 --> 00:03:26,773 And it's an honor to be part of your journey today. 64 00:03:26,773 --> 00:03:29,342 To begin, what is financial freedom? 65 00:03:29,342 --> 00:03:30,877 These two words are said so often. 66 00:03:30,877 --> 00:03:32,979 But what does it actually mean to you? 67 00:03:32,979 --> 00:03:34,847 To me, financial freedom was the moment. 68 00:03:34,847 --> 00:03:39,152 In 2022 when I had enough passive income from my compound interest counts, 69 00:03:39,385 --> 00:03:43,957 real estate assets and other investments to achieve the great and elusive blessing. 70 00:03:44,324 --> 00:03:46,759 Freedom of time to live the life I want. 71 00:03:46,759 --> 00:03:47,894 Work when I want to 72 00:03:47,894 --> 00:03:51,097 spend time with my family and friends, whether it be running with my boys, 73 00:03:51,097 --> 00:03:53,132 winning volleyball tournaments with my daughter, 74 00:03:53,132 --> 00:03:56,569 cheering on my top drunk gymnast, wrestling and jujitsu with my little 75 00:03:56,769 --> 00:04:00,673 devil, improving my relationship with my spouse and give back to the world 76 00:04:00,673 --> 00:04:02,275 as often as I can. 77 00:04:02,275 --> 00:04:05,812 Everyone has a different desired lifestyle, ranging from a modest $50,000 78 00:04:05,812 --> 00:04:08,815 a year to others who would like over $1 million a year. 79 00:04:08,915 --> 00:04:12,018 Your financial freedom number is unique and, once determined, 80 00:04:12,151 --> 00:04:14,988 will drive your plan of action to achieve it. 81 00:04:14,988 --> 00:04:18,424 Unfortunately, many Americans may never achieve their financial income goal, 82 00:04:18,524 --> 00:04:19,759 with a core reason being 83 00:04:19,759 --> 00:04:23,196 they might be saving in an outdated, underperforming strategy. 84 00:04:23,363 --> 00:04:27,166 As Kris and I have worked with thousands of Americans, we've observed firsthand 85 00:04:27,267 --> 00:04:29,302 what most people's financial goals are 86 00:04:29,302 --> 00:04:31,838 and then help them with a customized solution. 87 00:04:31,838 --> 00:04:35,675 In my experience, many traditional plans such as the 401k often struggle 88 00:04:35,675 --> 00:04:39,679 to help achieve the most common six goals, which are Low fees 89 00:04:40,079 --> 00:04:42,882 are looking for the lowest fees possible, so you know your hard 90 00:04:42,882 --> 00:04:45,885 earned money isn't wasted on building someone else's wealth. 91 00:04:46,519 --> 00:04:47,820 financial security 92 00:04:47,820 --> 00:04:51,124 you would like to feel secure against the impact of market downturns 93 00:04:51,124 --> 00:04:54,861 that can potentially wipe out years of growth and impede your financial goals. 94 00:04:55,495 --> 00:04:56,729 Early retirement. 95 00:04:56,729 --> 00:05:00,166 Many aim to retire early and access money for retirement penalty free. 96 00:05:00,199 --> 00:05:03,436 Years before the IRS permitted age of 59 and half years old, 97 00:05:03,536 --> 00:05:05,305 with many qualified plans. 98 00:05:05,305 --> 00:05:06,839 Tax free retirement. 99 00:05:06,839 --> 00:05:09,709 Given our government is over $30 trillion in debt, 100 00:05:09,709 --> 00:05:12,679 you would like to remove the uncertainty of future tax rates 101 00:05:12,679 --> 00:05:15,682 and secure a source of tax free retirement income. 102 00:05:15,815 --> 00:05:17,116 Passive income, 103 00:05:17,116 --> 00:05:18,251 You'd like enough secure 104 00:05:18,251 --> 00:05:21,754 passive income to live the lifestyle you want at the age you want. 105 00:05:22,255 --> 00:05:26,292 And lastly, generational wealth making sure our loved ones are protected now. 106 00:05:26,392 --> 00:05:27,226 And the knowledge 107 00:05:27,226 --> 00:05:30,563 and legacy of wealth can be passed down from generation to generation. 108 00:05:31,331 --> 00:05:33,232 How many of these resonated with you? 109 00:05:33,232 --> 00:05:35,101 Which are most important? 110 00:05:35,101 --> 00:05:39,672 Ask yourself, does your current financial strategy help you accomplish your goals? 111 00:05:40,773 --> 00:05:41,107 Does your 112 00:05:41,107 --> 00:05:45,011 401k and Roth IRA give you low fees security early retirement 113 00:05:45,011 --> 00:05:48,981 potential tax free income, sufficient passive income for the lifestyle 114 00:05:48,981 --> 00:05:51,984 you want and generational wealth when you pass. 115 00:05:52,051 --> 00:05:54,721 Unfortunately many 401Ks and Roth IRA 116 00:05:54,721 --> 00:05:58,091 strategies fail to provide solutions to these common financial goals. 117 00:05:58,558 --> 00:06:01,094 The facts show that many financial plans are often lack 118 00:06:01,094 --> 00:06:04,497 the features and benefits many Americans thought were part of their strategy. 119 00:06:04,864 --> 00:06:07,867 And as shown, I'm not the only one saying this. 120 00:06:08,201 --> 00:06:11,204 Even more shocking to me is when speaking with thousands of Americans, 121 00:06:11,204 --> 00:06:14,340 few even know what their retirement income is projected to be. 122 00:06:14,807 --> 00:06:16,676 Many focus on how much money they will have, 123 00:06:16,676 --> 00:06:20,146 rather than how much money they can spend securely in their retirement years. 124 00:06:20,480 --> 00:06:23,616 Which is more important to you having a large savings in your account, 125 00:06:23,683 --> 00:06:26,686 or having a lot of money that you're able to spend from that account? 126 00:06:26,886 --> 00:06:29,922 Unfortunately, those two financial concepts are not synonymous 127 00:06:30,022 --> 00:06:32,692 and rarely explained by the financial community. 128 00:06:32,692 --> 00:06:35,528 To be very clear what I'm trying to explain, let's visit 129 00:06:35,528 --> 00:06:38,831 the Retirement Income calculator on the website of Vanguard, 130 00:06:38,965 --> 00:06:40,299 one of the largest investment 131 00:06:40,299 --> 00:06:43,903 companies in the world, managing around $7 trillion of assets. 132 00:06:44,404 --> 00:06:47,206 As an example, let's say you're 30 years old and you're 133 00:06:47,206 --> 00:06:50,810 a financial influencer or advisor convinces you to open up a Roth IRA. 134 00:06:51,277 --> 00:06:54,280 You were told that you could become a millionaire by age 62. 135 00:06:54,280 --> 00:06:56,582 Only saving $500 a month 136 00:06:56,582 --> 00:06:59,852 sounds pretty amazing and a great path to financial freedom, right? 137 00:07:00,319 --> 00:07:02,188 Well, let's check the math. 138 00:07:02,188 --> 00:07:06,659 Assuming an inflation adjusted return of 12% after saving for 32 years, 139 00:07:06,692 --> 00:07:09,695 being disciplined and following conventional financial advice, 140 00:07:09,729 --> 00:07:10,763 you're rich. 141 00:07:10,763 --> 00:07:13,766 You're projected to have right at $1 million in your account. 142 00:07:14,000 --> 00:07:17,403 You made it your millionaire According to what you've been told, 143 00:07:17,470 --> 00:07:21,140 you should now be 100% financially free to enjoy your golden years. 144 00:07:21,574 --> 00:07:25,278 However, depending on your retirement goals, that might not be the case. 145 00:07:25,278 --> 00:07:29,649 According to Vanguard, that $1 million invested in low cost index funds 146 00:07:29,816 --> 00:07:33,453 is only projected to produce according to Vanguard themselves, 147 00:07:33,653 --> 00:07:39,559 a secure monthly income of $3,383, or around $40,000 a year. 148 00:07:39,992 --> 00:07:42,995 Does that sound like financial freedom or golden years to you? 149 00:07:43,162 --> 00:07:46,265 Has anyone ever explained that to you? Even a millionaire 150 00:07:46,265 --> 00:07:47,433 using a Roth IRA 151 00:07:47,433 --> 00:07:51,003 or 401k can still end up downsizing and struggling in retirement? 152 00:07:51,437 --> 00:07:52,738 My guess is no. 153 00:07:52,738 --> 00:07:55,875 unfortunately, because of this lack of financial education 154 00:07:55,875 --> 00:07:59,178 provided by the financial advising community, many Americans 155 00:07:59,178 --> 00:08:02,181 might have a much lower retirement income than they were expecting. 156 00:08:02,815 --> 00:08:03,716 This is my mission 157 00:08:03,716 --> 00:08:07,220 and passion to teach you this today so you can avoid this inevitable fate. 158 00:08:07,653 --> 00:08:11,290 Just think how you will feel at 62 after doing so many things right, 159 00:08:11,357 --> 00:08:14,460 saving over $1 million only to realize your retirement can be 160 00:08:14,460 --> 00:08:18,464 as low as $3,400 per month in income, plus a little Social security. 161 00:08:18,798 --> 00:08:22,168 Is that the financial freedom you expected after doing everything right? 162 00:08:22,768 --> 00:08:27,507 And for this reason, I felt inspired to write my first bestselling book in 2018. 163 00:08:27,740 --> 00:08:29,108 Everyone Ends Up Poor: 164 00:08:29,108 --> 00:08:32,111 Why retirement planning is all backwards and how to fix it. 165 00:08:32,178 --> 00:08:33,212 Breaking down the bait 166 00:08:33,212 --> 00:08:36,215 and switch design flaws of many traditional investment strategies. 167 00:08:36,382 --> 00:08:39,385 Why and how the 401K killed many pensions. 168 00:08:39,385 --> 00:08:42,455 Why you might be paying your own match and your 401k. 169 00:08:42,722 --> 00:08:45,591 How excessive management fees can diminish your future. 170 00:08:45,591 --> 00:08:49,295 And worst of all of them, in my opinion, how the word downsizing 171 00:08:49,295 --> 00:08:52,164 has become the gold standard in the world of retirement. 172 00:08:52,164 --> 00:08:53,733 Everyone ends up poor. 173 00:08:53,733 --> 00:08:58,671 If you'd like a no strings attached free copy in both e-book and audiobook formats, 174 00:08:58,905 --> 00:09:03,376 text the word book to the number 20500 for immediate access. 175 00:09:03,776 --> 00:09:06,012 You may now be feeling a little anxious about your retirement 176 00:09:06,012 --> 00:09:09,749 and asking yourself if the four one Ken Roth IRA might not be my best option. 177 00:09:09,782 --> 00:09:11,083 What is? 178 00:09:11,083 --> 00:09:14,453 I want to explain how I've accumulated millions of dollars of wealth and assets 179 00:09:14,453 --> 00:09:16,155 through the MPI strategy. 180 00:09:16,155 --> 00:09:18,157 The path to unlimited opportunities 181 00:09:18,157 --> 00:09:21,861 by not limiting myself to one specific strategy, but by combining 182 00:09:21,861 --> 00:09:25,631 the benefits of multiple strategies, including life insurance, real estate 183 00:09:25,631 --> 00:09:29,569 assets, business expansion, and maximizing strategic partnerships 184 00:09:29,769 --> 00:09:32,939 with maximum spendable income as a primary focus. 185 00:09:33,606 --> 00:09:37,577 with a little discipline and effort and given time to allow my efforts to mature. 186 00:09:37,810 --> 00:09:40,813 I've seen the phenomenal effects of compounding in my own life. 187 00:09:40,913 --> 00:09:45,117 Achieving true financial freedom in less than ten years of focused discipline. 188 00:09:45,685 --> 00:09:48,087 In this video I'm going to show you how to custom design 189 00:09:48,087 --> 00:09:51,357 a specific type of life insurance policy I call Max funded. 190 00:09:51,724 --> 00:09:52,792 Remember that phrase? 191 00:09:52,792 --> 00:09:54,026 I will use it often, 192 00:09:54,026 --> 00:09:57,530 which means a policy with the absolute most amount of your savings 193 00:09:57,763 --> 00:10:01,734 being allotted to the growth of the policy at the lowest expense as possible, 194 00:10:02,034 --> 00:10:05,905 coupled with various other strategies and a simplified path that can help you 195 00:10:05,905 --> 00:10:10,910 accomplish all six goals above, including low fees, guaranteed protection features, 196 00:10:11,177 --> 00:10:14,680 cash flow and income accessibility, tax and penalty free. 197 00:10:14,914 --> 00:10:16,649 And then leave it to your loved ones. 198 00:10:16,649 --> 00:10:19,652 Income tax free from generation to generation. 199 00:10:20,019 --> 00:10:23,422 Albert Einstein is credited for calling the phenomenon of compound interest 200 00:10:23,422 --> 00:10:26,459 the eighth wonder of the world, the most powerful force in the universe. 201 00:10:26,692 --> 00:10:28,027 Why is that? 202 00:10:28,027 --> 00:10:30,830 Because it mathematically proves that regardless of who you are 203 00:10:30,830 --> 00:10:34,867 or your current financial position, if you are willing to start today, exert 204 00:10:34,867 --> 00:10:38,004 a little consistent effort and then give it time to mature, 205 00:10:38,137 --> 00:10:41,073 the growth and results can begin to stack on itself, creating 206 00:10:41,073 --> 00:10:43,075 what we call the compounding curve. 207 00:10:43,075 --> 00:10:46,078 Money making money at an accelerated pace over time. 208 00:10:46,178 --> 00:10:48,781 The more effort and time you give it, the faster it works. 209 00:10:48,781 --> 00:10:51,584 Creating a path of financial freedom for everyone. 210 00:10:51,584 --> 00:10:53,753 Do you want your money working for you? 211 00:10:53,753 --> 00:10:57,223 The great thing about financial freedom is that I found it to be a pretty defined 212 00:10:57,223 --> 00:10:57,590 path. 213 00:10:57,590 --> 00:11:01,961 I call the five Steps to Unlimited Opportunities or the MPI strategy. 214 00:11:02,461 --> 00:11:05,331 These five steps are save, protect, 215 00:11:05,331 --> 00:11:08,401 grow, leverage and time in this order. 216 00:11:08,734 --> 00:11:11,737 By saving money, the door of opportunity can open up to you. 217 00:11:11,804 --> 00:11:14,807 Once this door is open, the next step is protecting your money. 218 00:11:15,007 --> 00:11:16,876 Then we focus on growing your money. 219 00:11:16,876 --> 00:11:18,044 Then leverage your money. 220 00:11:18,044 --> 00:11:19,979 And the last step is time. 221 00:11:19,979 --> 00:11:23,482 Train the phenomenon of compounding unlimited wealth potential. 222 00:11:23,983 --> 00:11:26,619 I have followed these five steps for the last ten years 223 00:11:26,619 --> 00:11:29,622 to produce complete financial freedom for me and my family. 224 00:11:29,722 --> 00:11:32,625 What are you willing to do to be 100% financially free 225 00:11:32,625 --> 00:11:34,393 within the next 10 to 20 years? 226 00:11:34,393 --> 00:11:37,396 To do what you want, when you want, with whom you want? 227 00:11:38,030 --> 00:11:39,932 Ask yourself this question right now. 228 00:11:39,932 --> 00:11:42,268 What does financial freedom mean to you? 229 00:11:42,268 --> 00:11:45,271 I would recommend you write it down right now and read it regularly. 230 00:11:45,571 --> 00:11:48,541 Are you willing to commit today to achieving your goals? 231 00:11:48,541 --> 00:11:52,445 If you answered yes, let me break down the five steps on how you can maximize 232 00:11:52,445 --> 00:11:56,182 every opportunity available to achieve the financial freedom you're looking for. 233 00:11:56,549 --> 00:11:58,250 The first step of financial freedom. 234 00:11:58,250 --> 00:12:00,786 The door you must open and only you can open 235 00:12:00,786 --> 00:12:02,955 it is the first rule of wealth. 236 00:12:02,955 --> 00:12:04,323 Pay yourself first. 237 00:12:04,323 --> 00:12:06,892 Save, save and save some more. 238 00:12:06,892 --> 00:12:07,760 With this commitment 239 00:12:07,760 --> 00:12:11,230 to your future self, unlimited financial opportunities can be available. 240 00:12:11,630 --> 00:12:15,634 Without this commitment, it may be nearly impossible to achieve financial freedom. 241 00:12:16,235 --> 00:12:19,572 You have to be willing to save a percent of your income suggested 242 00:12:19,572 --> 00:12:23,809 at no less than 10% to build your cash reserves without money 243 00:12:23,809 --> 00:12:26,712 available, saved up, accessible, penalty free, 244 00:12:26,712 --> 00:12:29,715 you may be limited to participate in all the available opportunities 245 00:12:29,715 --> 00:12:31,016 that are all around you. 246 00:12:31,016 --> 00:12:32,685 Your level of committed savings 247 00:12:32,685 --> 00:12:35,688 will determine how many opportunities you have access to. 248 00:12:35,888 --> 00:12:38,224 I personally say 50% of all my income. 249 00:12:38,224 --> 00:12:41,961 And because of my commitment, unlimited doors of opportunity are everywhere. 250 00:12:42,561 --> 00:12:45,865 Are you committed to pay yourself first, at minimum, 10% 251 00:12:45,865 --> 00:12:48,834 of your income to open up the door of wealth? 252 00:12:48,868 --> 00:12:52,304 If you are committed to begin paying yourself first, the second step 253 00:12:52,304 --> 00:12:56,308 to financial freedom is what we call the foundation of financial security. 254 00:12:56,542 --> 00:13:00,246 Max Funded life insurance, what we call our armored truck 255 00:13:00,246 --> 00:13:03,349 opportunity, built to help protect you financially. 256 00:13:03,716 --> 00:13:07,386 Life insurance has been around for over 250 years, helping protect families. 257 00:13:07,386 --> 00:13:10,389 Financial security in both the near and long term 258 00:13:10,489 --> 00:13:12,558 Life insurance provides many features and benefits 259 00:13:12,558 --> 00:13:15,127 that may not exist in other traditional assets. 260 00:13:15,127 --> 00:13:16,295 I believe life insurance 261 00:13:16,295 --> 00:13:19,265 will be one of the most important assets you will ever own. 262 00:13:19,398 --> 00:13:22,868 By creating your financial foundation using life insurance, 263 00:13:22,868 --> 00:13:26,138 you're helping build the path for yourself and your family to achieve 264 00:13:26,138 --> 00:13:27,339 financial freedom. 265 00:13:27,339 --> 00:13:30,276 And to be clear, life insurance is the foundation, 266 00:13:30,276 --> 00:13:33,879 not the complete house upon which you can build many other strategies. 267 00:13:34,113 --> 00:13:37,116 You might have just heard the words life insurance and felt confused. 268 00:13:37,283 --> 00:13:39,785 Many have even heard from other financial professionals 269 00:13:39,785 --> 00:13:42,288 to never mix investing with life insurance. 270 00:13:42,288 --> 00:13:45,758 And because many Americans are beginning to understand the benefits of max 271 00:13:45,758 --> 00:13:49,261 funded life insurance policies as a more secure foundation 272 00:13:49,261 --> 00:13:52,965 from risky market investments often recommended by financial advisors. 273 00:13:53,265 --> 00:13:56,602 There's a lot of harmful misinformation out on the internet right now 274 00:13:56,602 --> 00:13:58,003 about how it works. 275 00:13:58,003 --> 00:14:00,506 Unfortunately, much of it is not true. 276 00:14:00,506 --> 00:14:05,444 Worse, some is deliberately misleading, making it by definition a blatant lie. 277 00:14:05,978 --> 00:14:08,280 are some of the misinformation we've encountered on the internet, 278 00:14:08,280 --> 00:14:10,950 which we will debunk today through math and facts. 279 00:14:10,950 --> 00:14:13,986 First, according to MarketWatch, dot com and others, 280 00:14:14,119 --> 00:14:17,056 insurance fees and commissions are really high. 281 00:14:17,056 --> 00:14:17,823 What is the math? 282 00:14:17,823 --> 00:14:22,461 Say a max funded life insurance policy can have up to 25 times 283 00:14:22,461 --> 00:14:26,065 less expenses long term than other popular investment strategies 284 00:14:26,065 --> 00:14:29,902 managed by the same financial advisor, telling you to beware of high fees 285 00:14:30,069 --> 00:14:33,772 For a complete video side by side comparison text the word fees 286 00:14:33,772 --> 00:14:37,042 the number 20500 and I'll send you a separate video. 287 00:14:37,176 --> 00:14:38,377 Matt never lies. 288 00:14:38,377 --> 00:14:40,613 Unfortunately, people do sometimes. 289 00:14:40,613 --> 00:14:44,016 However, there's also some truth to the High Fees Commission claim 290 00:14:44,016 --> 00:14:47,853 when a policy is designed, underfunded rather than max funded. 291 00:14:47,953 --> 00:14:52,258 I know some life insurance multi level marketing or network marketing agencies 292 00:14:52,291 --> 00:14:56,395 that do not design max funded policies which can increase their commission 293 00:14:56,395 --> 00:14:59,398 significantly and diminish the policy's growth potential. 294 00:14:59,999 --> 00:15:01,567 You might be able to understand why there's 295 00:15:01,567 --> 00:15:04,570 a lot of information about bad policies with high fees. 296 00:15:04,737 --> 00:15:08,307 MPI insurance professionals are required to design life insurance policies 297 00:15:08,307 --> 00:15:11,944 that Max funded every time, ensuring the lowest these possible. 298 00:15:12,611 --> 00:15:16,649 Second, the rising cost of insurance will eat up all your compound growth 299 00:15:17,016 --> 00:15:17,650 when design 300 00:15:17,650 --> 00:15:18,284 Max funded. 301 00:15:18,284 --> 00:15:20,319 The cost of insurance can be a small fraction 302 00:15:20,319 --> 00:15:21,820 of your policy's growth potential. 303 00:15:21,820 --> 00:15:24,723 While it can provide lifelong death benefit protection 304 00:15:24,723 --> 00:15:27,726 and generational wealth potential to your family. 305 00:15:27,826 --> 00:15:30,963 Third, insurance companies keep all your money when you die. 306 00:15:31,297 --> 00:15:32,498 While this may be the case 307 00:15:32,498 --> 00:15:35,501 with certain circumstances, depending on the life insurance purchased, 308 00:15:35,634 --> 00:15:39,872 a life insurance policy designed by MPI offers both the cash value, 309 00:15:40,005 --> 00:15:44,176 your money in the policy and the life insurance value called face amount, 310 00:15:44,376 --> 00:15:48,180 as the death benefit that can pay out income tax free to your beneficiaries. 311 00:15:48,614 --> 00:15:51,850 For a detailed video breaking down the death benefit of an IUL 312 00:15:52,051 --> 00:15:55,721 text, the word benefit to the number 20500. 313 00:15:56,388 --> 00:15:59,391 Fourth, the MPI strategy is only for the rich. 314 00:15:59,692 --> 00:16:01,827 Although this might have been true in the past, 315 00:16:01,827 --> 00:16:04,697 MPI has created strategies available directly to the public, 316 00:16:04,697 --> 00:16:07,333 allowing everyday Americans to participate. 317 00:16:07,333 --> 00:16:10,569 And lastly, the MPI strategy sounds too good to be true. 318 00:16:10,836 --> 00:16:13,105 Weren't similar things said about the internet, 319 00:16:13,105 --> 00:16:16,075 Tesla, iPhone and other great innovations? 320 00:16:16,275 --> 00:16:19,278 The simple question is, is it too good or not? 321 00:16:19,478 --> 00:16:22,348 Why not learn, ask questions, verify answers, 322 00:16:22,348 --> 00:16:23,816 and make the decision you feel is 323 00:16:23,816 --> 00:16:27,086 best for you from the knowledge you've gained, trust in the competitors 324 00:16:27,086 --> 00:16:30,089 of new innovations might not be your best source of verification. 325 00:16:30,456 --> 00:16:32,791 Have you ever heard someone say one of these five critiques 326 00:16:32,791 --> 00:16:35,561 regarding the MPI strategy or life insurance? 327 00:16:35,561 --> 00:16:38,897 Did they ever cite facts or give examples or just repeat what they've heard 328 00:16:38,897 --> 00:16:40,366 someone else say? 329 00:16:40,366 --> 00:16:42,768 My goal is to ensure by the end of this presentation, 330 00:16:42,768 --> 00:16:46,238 you can independently verify the math and information provided 331 00:16:46,238 --> 00:16:49,675 and make your own judgment confidently of the MPI strategy. 332 00:16:50,209 --> 00:16:53,178 As we continue to look at the foundation of Max funded life 333 00:16:53,178 --> 00:16:56,181 insurance, there are many benefits people want and need. 334 00:16:56,382 --> 00:17:00,052 Some of these include permanent life insurance, A policy that as long as it 335 00:17:00,052 --> 00:17:03,956 remains in good standing, will never expire, helping provide protection 336 00:17:03,956 --> 00:17:05,124 against unexpected death 337 00:17:05,124 --> 00:17:08,427 and lifelong family abundance through generational wealth transfer. 338 00:17:09,028 --> 00:17:11,897 How many times have we seen a GoFundMe page on Facebook 339 00:17:11,897 --> 00:17:15,367 for a father or mother who passed away and didn't have life insurance protection? 340 00:17:15,801 --> 00:17:19,071 Not even a term policy that could cost as little as $1 a day. 341 00:17:19,438 --> 00:17:22,441 We believe everyone should have some form of life insurance. 342 00:17:22,674 --> 00:17:26,545 Life insurance contracts can also provide living benefits as a standard feature. 343 00:17:27,112 --> 00:17:29,615 Living benefits can provide early access to the life 344 00:17:29,615 --> 00:17:32,785 insurance policy amount even before one passes away. 345 00:17:32,785 --> 00:17:35,788 In the unfortunate circumstance of a severe health concern 346 00:17:35,788 --> 00:17:38,791 that qualifies as a terminal or chronic illness. 347 00:17:39,058 --> 00:17:42,061 How many times have we seen someone have a catastrophic health concern 348 00:17:42,094 --> 00:17:45,697 and be forced to drain all their assets, or leave them to bankruptcy? 349 00:17:46,265 --> 00:17:49,234 Life insurance can help be a shield of protection against that. 350 00:17:49,234 --> 00:17:53,405 In addition, a life insurance policy in many cases can also protect your money 351 00:17:53,405 --> 00:17:57,376 with tax advantages, legal protections, and a great place to save money 352 00:17:57,376 --> 00:17:59,445 with no exposure to stock market losses. 353 00:18:00,746 --> 00:18:01,880 The life insurance policy 354 00:18:01,880 --> 00:18:06,251 where I personally save and build my cash reserves is called a max funded 355 00:18:06,418 --> 00:18:10,489 indexed universal life insurance policy, also known as an IUL, 356 00:18:10,956 --> 00:18:13,959 although many are saying IUL’s are great and many say they're bad. 357 00:18:13,959 --> 00:18:18,697 The truth is, both answers could be right, as it all depends on how it is designed. 358 00:18:18,897 --> 00:18:21,200 With the primary function to help protect families 359 00:18:21,200 --> 00:18:24,536 from an unexpected death, a max funded, indexed universal life 360 00:18:24,536 --> 00:18:28,474 insurance policy can also, in essence, help ensure your savings. 361 00:18:28,941 --> 00:18:31,877 Why do we buy insurance on our home, car, health, 362 00:18:31,877 --> 00:18:34,880 business, and basically everything we deem valuable? 363 00:18:35,114 --> 00:18:38,550 When it makes sense to have insurance on our savings? With an index 364 00:18:38,550 --> 00:18:42,121 universal life insurance policy, your savings can have a contractual 365 00:18:42,121 --> 00:18:45,257 guarantee to have no risk of losing money inside the market 366 00:18:45,390 --> 00:18:49,061 while participating in stock market like index strategies, 367 00:18:49,495 --> 00:18:52,865 this feature is called the 0% floor, meaning no matter what the market 368 00:18:52,865 --> 00:18:56,702 does, your lowest guaranteed credit interest is 0%. 369 00:18:56,969 --> 00:18:59,972 Even if the market loss up to 50% in 2008. 370 00:19:00,172 --> 00:19:04,276 This is why Kris and I refer to the IUL as the “armored truck”, as it can be built 371 00:19:04,276 --> 00:19:07,846 to help financially protect your life, your health, and your wealth. 372 00:19:08,747 --> 00:19:10,015 The third step of financial 373 00:19:10,015 --> 00:19:13,585 freedom is what we call the secure compound interest opportunity. 374 00:19:13,785 --> 00:19:15,454 Getting your money working for you. 375 00:19:15,454 --> 00:19:19,691 Money making money for you on your behalf with your financial foundation. 376 00:19:19,691 --> 00:19:22,961 Built using a max funded, indexed universal life insurance policy, 377 00:19:23,162 --> 00:19:26,398 not only can your family have some financial protection from unexpected 378 00:19:26,398 --> 00:19:29,835 death, severe health event collapse the stock market, 379 00:19:29,935 --> 00:19:34,072 you can also receive interest, credit or compound interest on your savings. 380 00:19:34,506 --> 00:19:37,876 Within your Iowa, you can earn up to around 10% per year, 381 00:19:38,043 --> 00:19:42,381 according to the S&P 500 index strategy or other similar indices. 382 00:19:42,381 --> 00:19:44,149 According to your policy terms. 383 00:19:44,149 --> 00:19:47,252 Secure compounding opportunities to multiply your savings 384 00:19:47,686 --> 00:19:51,523 For an in-depth explanation of how the IUL can earn compound interest, 385 00:19:51,823 --> 00:19:57,296 text me the word credits to the number 20500 and I'll send you a detailed video. 386 00:19:57,663 --> 00:19:59,731 earlier, I had stated that compound interest 387 00:19:59,731 --> 00:20:02,701 is the eighth wonder of the world, the most powerful force in the universe. 388 00:20:02,935 --> 00:20:05,103 How powerful is compound interest? 389 00:20:05,103 --> 00:20:08,173 I believe it's the most important financial concept you'll ever learn. 390 00:20:08,373 --> 00:20:10,075 But with one exception. 391 00:20:10,075 --> 00:20:13,078 Although there are many strategies claiming to produce compound interest, 392 00:20:13,111 --> 00:20:14,980 not all are built equally. 393 00:20:14,980 --> 00:20:17,849 Where you compound money can be the difference between 394 00:20:17,849 --> 00:20:21,153 wealth and financial freedom, or downsizing and struggling. 395 00:20:21,520 --> 00:20:23,155 Let me give you a quick example. 396 00:20:23,155 --> 00:20:26,291 Let's assume you're 35 years old and saving $1,000 per month 397 00:20:26,892 --> 00:20:28,860 Saving that money in a traditional bank account, 398 00:20:28,860 --> 00:20:32,831 earning you a point 1% interest in 30 years at age 65, 399 00:20:33,031 --> 00:20:37,669 you would have saved 360,000 total, 30 years times $12,000 a year. 400 00:20:37,936 --> 00:20:40,839 And with the point 1% compound interest growth, 401 00:20:40,839 --> 00:20:44,243 your account value would be estimated at 365,000. 402 00:20:44,576 --> 00:20:46,144 Almost nothing in interest. 403 00:20:46,144 --> 00:20:49,481 And you could actually be more poor because inflation historically 404 00:20:49,481 --> 00:20:52,551 could have devalued your money at a much faster pace. 405 00:20:52,985 --> 00:20:56,855 What if you earned 5% from a high yield savings account or whole life insurance? 406 00:20:57,122 --> 00:21:00,092 Your estimated account value would be $797,000 407 00:21:00,092 --> 00:21:03,061 at the end of the same time frame, a little better. 408 00:21:03,095 --> 00:21:06,098 What if an index fund could earn you 8% over 30 years? 409 00:21:06,298 --> 00:21:09,301 Estimate at $1,359,000. 410 00:21:09,301 --> 00:21:12,738 10%? $1,973,000. 411 00:21:13,538 --> 00:21:16,608 but what if you could incorporate a multi strategy approach 412 00:21:16,608 --> 00:21:22,414 that could earn you up to 15% or more? Estimated at $5,216,000. 413 00:21:22,814 --> 00:21:25,584 As you can see, every increase in compound interest 414 00:21:25,584 --> 00:21:28,587 rate over time can create an exponential difference. 415 00:21:28,687 --> 00:21:31,456 This is why paying attention to details can be the difference 416 00:21:31,456 --> 00:21:34,459 between having just enough or massive abundance. 417 00:21:34,793 --> 00:21:39,097 As we continue in this presentation today, I'll introduce a simplified combined 418 00:21:39,097 --> 00:21:40,732 strategy approach that can 419 00:21:40,732 --> 00:21:44,303 increase your compounding potential to help you achieve the goals you have. 420 00:21:44,770 --> 00:21:48,173 The fourth step of financial freedom is how we take our compound interest 421 00:21:48,173 --> 00:21:51,843 rate from historic single digits, using single strategy approaches 422 00:21:52,044 --> 00:21:56,615 to high double digit potential through the MPI Multi Strategy approach 423 00:21:56,882 --> 00:22:00,285 to achieve the financial freedom we want in the timeframe that we want it. 424 00:22:00,786 --> 00:22:02,321 How do we accomplish this? 425 00:22:02,321 --> 00:22:04,990 Using the gateway to unlimited opportunities, 426 00:22:04,990 --> 00:22:08,260 the index loan. A feature of an IUL policy 427 00:22:08,260 --> 00:22:12,464 that allows a policyholder to take a loan against the policy's cash value 428 00:22:12,631 --> 00:22:15,634 while the cash value can continue to earn credits. 429 00:22:15,801 --> 00:22:20,005 This is the core pillar of the MPI strategy to accelerate your opportunities 430 00:22:20,005 --> 00:22:24,776 through financial leverage, using outside resources or what we call OPM. 431 00:22:24,976 --> 00:22:26,244 Other people's money. 432 00:22:26,244 --> 00:22:29,214 Incrementally increasing your compound interest potential 433 00:22:29,214 --> 00:22:32,217 while exponentially increasing your wealth potential 434 00:22:32,584 --> 00:22:35,921 Without financial leverage, your savings only has so much potential. 435 00:22:35,954 --> 00:22:40,826 Traditionally single digit compounding, which is good, but also why many end up 436 00:22:40,826 --> 00:22:44,262 confused in retirement, why their income might be lower than they expected. 437 00:22:44,763 --> 00:22:48,166 It's a great accomplishment to do steps one through three save, 438 00:22:48,166 --> 00:22:51,169 protect, and grow within single digit compounding, 439 00:22:51,303 --> 00:22:55,240 but can also take as long as 40 to 50 years to produce financial freedom. 440 00:22:55,540 --> 00:22:59,378 That's one of the reasons why many people using 401Ks and Roth IRAs 441 00:22:59,478 --> 00:23:01,480 may start in their 20s, work 442 00:23:01,480 --> 00:23:04,816 till their 60s, and can still end up frustrated in downsizing. 443 00:23:05,350 --> 00:23:08,920 I do not know a single wealthy person who hasn't used financial leverage 444 00:23:08,920 --> 00:23:13,158 from a bank investor, or other financial institution to achieve their goals. 445 00:23:13,458 --> 00:23:15,160 You may have thought the financial leverage 446 00:23:15,160 --> 00:23:18,163 is only available for people who are rich with excellent credit. 447 00:23:18,196 --> 00:23:21,933 However, I'll show you how financial leverage can be available to anyone 448 00:23:21,933 --> 00:23:26,037 without credit checks, bank underwriting, financial statements, or existing wealth. 449 00:23:26,371 --> 00:23:29,241 Bringing unlimited opportunities to everyone is our mission 450 00:23:29,241 --> 00:23:31,176 at MPI Financial Services. 451 00:23:31,176 --> 00:23:34,312 This is where an indexed universal life insurance policy really shines. 452 00:23:34,312 --> 00:23:35,113 In my opinion. 453 00:23:35,113 --> 00:23:38,116 The unlimited uses of the indexed loan feature, 454 00:23:38,517 --> 00:23:41,086 According to your policy's cash value, the amount 455 00:23:41,086 --> 00:23:44,723 of available savings you have access to because you paid yourself first, 456 00:23:45,023 --> 00:23:49,194 you can take a loan against it, not from your IUL policy. 457 00:23:49,428 --> 00:23:53,632 In essence, this feature can provide you access tax and penalty free 458 00:23:53,698 --> 00:23:58,303 to the insurance companies money at a low interest rate of around 5% right now. 459 00:23:58,737 --> 00:24:01,807 What if you had access to investment capital 5% 460 00:24:02,107 --> 00:24:04,810 or business expansion capital at 5%? 461 00:24:04,810 --> 00:24:07,813 What could you do with it to accelerate your wealth potential? 462 00:24:08,046 --> 00:24:11,049 The answer is unlimited opportunities. 463 00:24:11,116 --> 00:24:15,253 The index loan from an IUL a policy can be secured at any time without credit checks 464 00:24:15,420 --> 00:24:18,790 for any reason to help you accelerate your compound interest growth potential 465 00:24:18,957 --> 00:24:22,527 and cut years or even decades off of your financial goals. 466 00:24:22,961 --> 00:24:27,299 Here's how I use the IUL index loan to accelerate my path to financial freedom. 467 00:24:27,732 --> 00:24:30,168 First, the match strategy. 468 00:24:30,168 --> 00:24:33,738 The opportunity to use the index loan as additional funds 469 00:24:33,738 --> 00:24:37,142 applied to your policy to increase your compounding potential. 470 00:24:37,542 --> 00:24:40,946 In the world of insurance, many policies are designed with security 471 00:24:40,946 --> 00:24:43,148 as the primary financial focus. 472 00:24:43,148 --> 00:24:46,551 This is the cornerstone of the indexed universal life insurance policy. 473 00:24:46,551 --> 00:24:48,720 Through the 0% floor guarantee. 474 00:24:48,720 --> 00:24:52,824 Because of this and the annual growth potential, up to 10% or more banks 475 00:24:52,824 --> 00:24:57,229 have partnered with insurance carriers to offer an exclusive advanced strategy 476 00:24:57,229 --> 00:25:02,100 to the wealthy, called premium financing, using bank financing at a low interest 477 00:25:02,100 --> 00:25:06,538 rate to finance the premiums of an annual policy in behalf of the client. 478 00:25:06,838 --> 00:25:09,140 Someone else's money working for them. 479 00:25:09,140 --> 00:25:12,010 This financial leverage operating could provide a layer of security 480 00:25:12,010 --> 00:25:16,948 with the 0% floor feature of the IUL, while increasing the compound interest 481 00:25:16,948 --> 00:25:19,985 potential long term of the policy through reducing the bank's money 482 00:25:20,352 --> 00:25:25,257 by earning up to 10% annually, and the loan from the bank at a cost of around 5%. 483 00:25:25,524 --> 00:25:27,025 This additional interest growth 484 00:25:27,025 --> 00:25:30,028 potential could accelerate the policy over time significantly. 485 00:25:30,595 --> 00:25:33,865 Unfortunately, this strategy is exclusively available 486 00:25:33,865 --> 00:25:37,536 for the ultra wealthy, often requiring $5 million net worth 487 00:25:37,702 --> 00:25:40,872 credit check, financial underwriting, upfront collateral, 488 00:25:40,872 --> 00:25:43,608 and many other requirements to even participate. 489 00:25:43,608 --> 00:25:44,676 The rich get richer 490 00:25:44,676 --> 00:25:47,679 because they literally have more opportunities available to them. 491 00:25:47,746 --> 00:25:51,716 Then in 2014, I asked the question could I use the index 492 00:25:51,716 --> 00:25:55,353 loan in lieu of the bank loan accessible to every policyholder 493 00:25:55,520 --> 00:26:00,025 to apply as additional contributions alongside my own, in my own IUL? 494 00:26:00,292 --> 00:26:02,060 Similar concept of premium financing. 495 00:26:02,060 --> 00:26:05,163 Without the bank and all the red tape, I want to explore 496 00:26:05,163 --> 00:26:08,633 the mathematical impact of applying the index loan to my policy 497 00:26:08,733 --> 00:26:13,371 at a cost of 5%, to earn up to 10% on the S&P 500 strategy. 498 00:26:13,838 --> 00:26:17,876 pretty simple question, but seem to be a question no one had ever asked before. 499 00:26:18,209 --> 00:26:21,680 Sometimes some great innovations and solutions come from someone 500 00:26:21,680 --> 00:26:23,381 asking a simple question. 501 00:26:23,381 --> 00:26:26,084 Upon asking this question, I was hit with many financial 502 00:26:26,084 --> 00:26:29,087 professionals stating, you can't do that. Why? 503 00:26:29,187 --> 00:26:31,222 Financial leverage is only for the rich. 504 00:26:31,222 --> 00:26:35,060 Why? Insurance shouldn't be used for this reason. Why? 505 00:26:35,493 --> 00:26:38,597 The math will never work! But yet it has for the rich, using 506 00:26:38,597 --> 00:26:42,434 premium financing and many other claims that seem to be built in fear 507 00:26:42,434 --> 00:26:45,937 of change and innovation rather than actual legitimate concerns. 508 00:26:46,404 --> 00:26:49,040 Over the next four years, working with insurance carriers, 509 00:26:49,040 --> 00:26:53,078 actuaries, lawyers, compliance, financial advisors, CFPs and insurance 510 00:26:53,078 --> 00:26:56,114 professionals and many others, the match strategy 511 00:26:56,114 --> 00:27:00,051 the concept of using the index loan as additional premiums alongside yours 512 00:27:00,285 --> 00:27:03,254 into the policy was ready to bring to the public 513 00:27:03,321 --> 00:27:04,189 Every American 514 00:27:04,189 --> 00:27:07,659 who could qualify for a life insurance policy with an indexed loan feature 515 00:27:07,792 --> 00:27:10,862 and committed to saving, could potentially take advantage 516 00:27:10,862 --> 00:27:14,866 of additional contributions to an IUL policy, accelerating the policy's 517 00:27:14,866 --> 00:27:18,670 benefits significantly, with no net worth or income requirements. 518 00:27:18,870 --> 00:27:21,940 bringing financial leverage opportunities to everyone who is willing 519 00:27:21,940 --> 00:27:24,943 to pay themselves first and can qualify for life insurance. 520 00:27:25,110 --> 00:27:27,112 World changing innovation. 521 00:27:27,112 --> 00:27:29,180 So how does the match strategy work? 522 00:27:29,180 --> 00:27:33,618 It's simple by using the index loan rather than borrowing from bank at a low 523 00:27:33,618 --> 00:27:37,522 interest rate and adding the amount of the loan as additional contributions. 524 00:27:37,522 --> 00:27:41,359 With current contributions to your IUL, both can earn interest credit 525 00:27:41,359 --> 00:27:42,861 in the same growth strategy 526 00:27:42,861 --> 00:27:47,032 with the 0% floor guarantee and up to around 10% per year historically. 527 00:27:47,432 --> 00:27:50,969 Working together, your policy growth can accelerate significantly. 528 00:27:51,302 --> 00:27:52,837 This strategy can start as early 529 00:27:52,837 --> 00:27:54,873 as the beginning of the second year of your policy. 530 00:27:54,873 --> 00:27:58,376 If you put in a lump sum, and third year if you're saving monthly, 531 00:27:58,677 --> 00:27:59,944 So how do you qualify? 532 00:27:59,944 --> 00:28:02,414 You qualify according to your cash value. 533 00:28:02,414 --> 00:28:05,417 Cash values is your available savings inside your policy. 534 00:28:05,483 --> 00:28:08,153 The more cash value you have, the more match opportunity 535 00:28:08,153 --> 00:28:09,888 you might have access to. 536 00:28:09,888 --> 00:28:13,758 For those contributing to their IUL on a monthly basis with no lump sum 537 00:28:14,059 --> 00:28:17,796 after two years of savings, discipline, your policy can be eligible 538 00:28:17,796 --> 00:28:19,698 to participate in the match strategy. 539 00:28:19,698 --> 00:28:22,233 Then every two years, a further commitment. 540 00:28:22,233 --> 00:28:26,304 The match can accelerate more discipline and time can equate to bigger 541 00:28:26,304 --> 00:28:28,006 and better opportunities. 542 00:28:28,006 --> 00:28:32,510 To illustrate, if you're 40 years old and save $1,000 a month inside your policy 543 00:28:32,577 --> 00:28:35,647 for the first two years, your policy would receive $12,000 544 00:28:35,647 --> 00:28:37,182 a year directly from you. 545 00:28:37,182 --> 00:28:40,051 Starting year three, you can qualify to increase your policy's 546 00:28:40,051 --> 00:28:44,956 value and contributions to $24,000 a year. $12,000 still coming from you, 547 00:28:44,989 --> 00:28:48,827 your original commitment, not a penny more, plus an additional $12,000 548 00:28:48,827 --> 00:28:52,230 a year working in your policy from the index loan provided 549 00:28:52,230 --> 00:28:56,201 by the insurance carrier. In year five, because you continued to save, 550 00:28:56,301 --> 00:29:00,438 you can qualify for an additional increase in policy value and contribution 551 00:29:00,638 --> 00:29:03,742 by increasing your annual premiums to $36,000. 552 00:29:03,942 --> 00:29:08,646 Still, with only $12,000 coming from you and $24,000 coming from the indexed loan, 553 00:29:09,013 --> 00:29:13,118 this 100% increase every two years can continue many times, creating 554 00:29:13,118 --> 00:29:17,222 tremendous opportunities for increased wealth, short term and generational. 555 00:29:18,089 --> 00:29:20,391 What if you started with a lump sum in your policy? 556 00:29:20,391 --> 00:29:22,193 Even better, with the lump sum 557 00:29:22,193 --> 00:29:25,630 as little as $5,000, the match can begin in the second year. 558 00:29:26,131 --> 00:29:27,365 Depending on your savings 559 00:29:27,365 --> 00:29:31,302 commitment, an MPI insurance professional can customize your contribution schedule 560 00:29:31,402 --> 00:29:34,773 and ensure you're maximizing the available indexed loan opportunity. 561 00:29:35,507 --> 00:29:38,009 The more you save in your IUL the more index loan 562 00:29:38,009 --> 00:29:40,445 you can access that can be used as the match strategy. 563 00:29:40,445 --> 00:29:43,815 The more match you can access, the more compound interest opportunity. 564 00:29:44,082 --> 00:29:47,318 Creating your path to double digit compound interest potential. 565 00:29:47,719 --> 00:29:51,289 Some people ask me what happens to the 5% interest owed when the IUL 566 00:29:51,289 --> 00:29:55,627 makes a 0% guaranteed minimum return, meaning the market is negative? 567 00:29:55,760 --> 00:29:56,528 First, 568 00:29:56,528 --> 00:30:00,732 your full policy value is protected from whatever loss happened in the market. 569 00:30:00,965 --> 00:30:04,035 You are guaranteed a minimum 0% earned interest. 570 00:30:04,602 --> 00:30:05,336 That's awesome. 571 00:30:05,336 --> 00:30:09,874 Because market plummets can be more than 5% drop in years such as 2022, 572 00:30:10,008 --> 00:30:13,444 losing around 19%, 2018 around 6%, 573 00:30:13,545 --> 00:30:17,248 2008 collapse losing around 40% and the dot.com burst 574 00:30:17,248 --> 00:30:21,586 2000 to 2002 three straight years, also losing around 40%. 575 00:30:22,020 --> 00:30:25,890 Any interest out of those 0% four years, your internal cash value 576 00:30:25,890 --> 00:30:29,427 can automatically cover that expense, so no payment is ever required 577 00:30:29,627 --> 00:30:32,730 or if you have extra cash flow, can manually pay the loan interest. 578 00:30:33,231 --> 00:30:36,568 And because your account value is protected when the market rebounds, 579 00:30:36,701 --> 00:30:39,370 your policy can begin earning credits immediately 580 00:30:39,370 --> 00:30:42,240 rather than having to make up for losses in the market. 581 00:30:42,240 --> 00:30:45,510 For a detailed video of what happens to an you want a down market, 582 00:30:45,643 --> 00:30:49,414 text me the word down to the number 20500. 583 00:30:50,348 --> 00:30:53,318 With premium financing providing enhanced opportunities to the rich, 584 00:30:53,318 --> 00:30:57,355 one of the missions of my financial services is to provide every American 585 00:30:57,355 --> 00:31:00,925 with similar opportunities that have been helping the rich become financially free. 586 00:31:01,292 --> 00:31:04,095 Financial freedom and wealth should be available to all those 587 00:31:04,095 --> 00:31:05,396 who are committed their best future. 588 00:31:05,396 --> 00:31:08,333 Regardless of your current financial situation, 589 00:31:08,333 --> 00:31:11,936 pay yourself first and begin to maximize opportunities available to you. 590 00:31:12,370 --> 00:31:15,707 To summarize with your IUL, you will you have the opportunity to use 591 00:31:15,707 --> 00:31:19,878 an index loan as additional contributions to your policy alongside yours, 592 00:31:20,044 --> 00:31:25,250 providing additional growth potential up to 10% annually at a loan cost of 5%. 593 00:31:25,583 --> 00:31:29,053 That's an increase potential of up to an additional 5% annually. 594 00:31:29,220 --> 00:31:33,191 Using the Insurance Companies Index Loan feature, you can qualify 595 00:31:33,191 --> 00:31:36,394 for the match strategy starting as early as the second year in your policy. 596 00:31:36,494 --> 00:31:41,132 Once per year, because the money remains inside the IUL as additional savings. 597 00:31:41,132 --> 00:31:43,601 This financial leverage also has a 0% floor 598 00:31:43,601 --> 00:31:46,838 protection against market risk, tax free growth potential. 599 00:31:46,838 --> 00:31:47,739 It can accelerate 600 00:31:47,739 --> 00:31:51,476 the compounding effects inside your policy to double digit opportunities. 601 00:31:52,243 --> 00:31:55,980 The more you save and build up cash value, the more indexed on availability 602 00:31:55,980 --> 00:31:57,148 you have to access. 603 00:31:57,148 --> 00:32:00,118 That can be used as the match strategy and other uses. 604 00:32:00,118 --> 00:32:03,588 I've been using this strategy for over four years now inside my own policy, 605 00:32:03,621 --> 00:32:06,624 which has produced hundreds of thousands of additional interest. 606 00:32:06,724 --> 00:32:10,328 And I will maximize this financial leverage opportunity once per year, 607 00:32:10,628 --> 00:32:12,463 every year for the rest of my life. 608 00:32:12,463 --> 00:32:15,066 Second, after maximizing the match strategy, 609 00:32:15,066 --> 00:32:18,102 using the index loan as additional contributions to my policy, 610 00:32:18,369 --> 00:32:21,606 I've also been able to maximize selective real estate opportunities. 611 00:32:21,973 --> 00:32:24,575 Real estate investors can put themselves at too much risk 612 00:32:24,575 --> 00:32:27,912 if they aren't patient and selective in choosing secure opportunities 613 00:32:28,246 --> 00:32:30,415 Because they prefer not to have their money idle, 614 00:32:30,415 --> 00:32:33,651 they sometimes don't take the sufficient time to assess quality and risk. 615 00:32:34,052 --> 00:32:37,355 We have all likely heard the reckless leverage stories from 2008, 616 00:32:37,455 --> 00:32:39,090 in which people over leveraged 617 00:32:39,090 --> 00:32:42,093 and when the market took a downturn, they lost everything. 618 00:32:42,126 --> 00:32:46,364 However, because I heavily saved first in the foundation of my IUL, 619 00:32:46,364 --> 00:32:49,567 earning up to 10% annually and then taking advantage 620 00:32:49,567 --> 00:32:53,371 of the match strategy, adding to my growth up to an additional 5%, 621 00:32:53,771 --> 00:32:57,742 I can be earning a solid and secure return without the concern of my money 622 00:32:57,742 --> 00:32:58,743 being idle. 623 00:32:58,743 --> 00:33:01,346 When an investor can be patient with their decision making 624 00:33:01,346 --> 00:33:04,215 because their savings are securely compounding inside their. 625 00:33:04,215 --> 00:33:07,852 While many risks of leverage can be mitigated or minimized 626 00:33:07,919 --> 00:33:11,756 from their investment strategies By being patient with real estate 627 00:33:11,756 --> 00:33:14,592 and having amazing partners like Kris Krohn and others, 628 00:33:14,592 --> 00:33:17,595 I've had many opportunities that provided me with returns ranging 629 00:33:17,595 --> 00:33:20,598 between 10% and 75% annually. 630 00:33:20,698 --> 00:33:25,036 By using the index loan to execute my real estate ventures at around 5%, 631 00:33:25,269 --> 00:33:28,940 while it continues to compound inside my IUL at up to 10%. 632 00:33:29,307 --> 00:33:31,976 I've also been able to produce high double digit returns 633 00:33:31,976 --> 00:33:35,113 to selective real estate opportunities with my real estate partners. 634 00:33:35,646 --> 00:33:39,317 These deals have included single family rentals, multiple family projects, 635 00:33:39,317 --> 00:33:43,087 land fund deals, commercial projects, and various other developments. 636 00:33:43,421 --> 00:33:46,991 to participate in some of the exclusive and selective investment opportunities, 637 00:33:47,091 --> 00:33:50,228 there can be a minimum requirement up to $50,000. 638 00:33:50,461 --> 00:33:54,832 And why it's so important to begin saving today to build your index loan value, 639 00:33:55,233 --> 00:33:59,570 whether it takes one, five or even ten years according to your savings level, 640 00:33:59,604 --> 00:34:03,508 to build enough cash value to begin to participate when you get there. 641 00:34:03,641 --> 00:34:07,378 Having the growth of the IUL, the match, and real estate investments 642 00:34:07,378 --> 00:34:11,549 all working simultaneously can produce some amazing compounding results. 643 00:34:12,116 --> 00:34:15,319 Real estate investors not using life insurance as their foundation 644 00:34:15,319 --> 00:34:18,322 can forfeit many additional benefits and growth potential. 645 00:34:19,123 --> 00:34:21,959 Kris and I offer many books, webinars, and instruction 646 00:34:21,959 --> 00:34:25,396 on how to combine the benefits of life insurance as your foundation, 647 00:34:25,496 --> 00:34:28,699 plus selective real estate investing as you're accelerating growth. 648 00:34:28,699 --> 00:34:31,335 Opportunity to create the path towards financial freedom. 649 00:34:31,335 --> 00:34:34,772 For anyone to join the next webinar hosted by Kris or me. 650 00:34:34,806 --> 00:34:38,342 To learn in more detail on investing opportunist, a real estate 651 00:34:38,576 --> 00:34:42,313 text webinar to the number 20500. 652 00:34:42,513 --> 00:34:45,650 in addition to the benefits of life insurance and real estate investing, 653 00:34:45,650 --> 00:34:49,120 I've used the indexed loan feature for many other business opportunities. 654 00:34:49,487 --> 00:34:53,224 These have include expanding my business, purchasing software, equipment, 655 00:34:53,224 --> 00:34:54,625 and many other uses. 656 00:34:54,625 --> 00:34:58,196 I essentially have become my own bank, borrow against my policies, 657 00:34:58,196 --> 00:35:03,134 cash value with no bank requirements or limitations at around 5%, well below 658 00:35:03,134 --> 00:35:06,971 traditional business banking rates, which could be as high as 16% or more. 659 00:35:07,171 --> 00:35:11,075 While it can continue to make me up to 10% annually inside my IUL. 660 00:35:11,576 --> 00:35:14,846 This opportunities help my business expand, increasing my growth 661 00:35:14,846 --> 00:35:16,447 potential and profits. 662 00:35:16,447 --> 00:35:19,450 Because I was aggressive in saving my profits in the good times, 663 00:35:19,617 --> 00:35:21,752 I not only could weather the bad markets, 664 00:35:21,752 --> 00:35:24,722 but even expand in the economic downturns. 665 00:35:25,022 --> 00:35:28,126 Those who have access to capital in good and bad markets 666 00:35:28,126 --> 00:35:30,595 seem to have access to the most opportunities. 667 00:35:30,595 --> 00:35:33,764 Without this available capital, I would have missed out or delayed 668 00:35:33,764 --> 00:35:36,767 so many opportunities that have been so profitable for me. 669 00:35:36,968 --> 00:35:39,904 And lastly, strategic partnership opportunities. 670 00:35:39,904 --> 00:35:42,273 True unlimited growth potential. 671 00:35:42,273 --> 00:35:45,209 Often the best opportunities to invest in other businesses. 672 00:35:45,209 --> 00:35:46,844 Entrepreneurs are innovation, 673 00:35:46,844 --> 00:35:50,314 require quick due diligence and immediate capitalization 674 00:35:50,681 --> 00:35:53,317 with available capital potential through the index loan 675 00:35:53,317 --> 00:35:56,554 according to your savings commitment, you can partner with some of the most 676 00:35:56,554 --> 00:36:01,058 amazing, expanding, innovative and successful individuals and businesses. 677 00:36:01,392 --> 00:36:05,263 Indeed, by saving money, having it secure and growing 678 00:36:05,263 --> 00:36:08,833 then accessible through the indexed loan, the sky is the limit. 679 00:36:09,734 --> 00:36:13,571 And on top of all these uses, in my opinion, the coolest use of the 680 00:36:13,571 --> 00:36:17,909 indexed loan is accessing it as a tax free supplemental income solution. 681 00:36:18,409 --> 00:36:21,612 As mentioned, the indexed loan doesn't remove your money from the policy, 682 00:36:21,779 --> 00:36:24,782 but is loaned against the cash value in your policy. 683 00:36:24,882 --> 00:36:28,586 This feature allows for your policies cash to continue to earn credits up to 10% 684 00:36:28,586 --> 00:36:29,287 per year. 685 00:36:29,287 --> 00:36:32,123 While you can use the indexed loan as supplemental tax 686 00:36:32,123 --> 00:36:34,492 free income at a cost of 5%. 687 00:36:34,492 --> 00:36:35,393 In essence, 688 00:36:35,393 --> 00:36:38,963 even when you're borrowing money out of your IUL, it can continue 689 00:36:38,963 --> 00:36:43,000 to make full interest credits at an indexed loan rate of around 5%. 690 00:36:43,167 --> 00:36:46,170 The literal definition of always be compounding 691 00:36:46,637 --> 00:36:50,041 With the national income tax rate of between 14% and 25%, 692 00:36:50,041 --> 00:36:53,477 depending on your income levels, the index loan can provide a tax 693 00:36:53,477 --> 00:36:56,847 free solution, meaning more spendable dollars in your pocket. 694 00:36:57,415 --> 00:37:00,418 How would you feel to have all of these opportunities available to you? 695 00:37:00,585 --> 00:37:03,221 How would you capitalize on them if you could? 696 00:37:03,221 --> 00:37:06,691 When used in the ways I've described, the indexed loan is a remarkable 697 00:37:06,691 --> 00:37:08,192 and versatile feature available. 698 00:37:08,192 --> 00:37:11,395 Those who save inside their indexed universal life insurance policy. 699 00:37:11,862 --> 00:37:14,565 This feature does not exist in many other financial strategies, 700 00:37:14,565 --> 00:37:18,869 including your 401K and Roth IRA, forfeiting many benefits available to you 701 00:37:19,303 --> 00:37:23,307 by using Max funded life insurance as your foundation of financial security, 702 00:37:23,608 --> 00:37:26,811 you may be able to open up unlimited doors of opportunity and wealth. 703 00:37:27,311 --> 00:37:30,214 This feature has changed my life and why I don't think about saving money 704 00:37:30,214 --> 00:37:33,584 as how much do I need to save, but how much can I save? 705 00:37:33,884 --> 00:37:37,054 The more I save, the more opportunities I have available to me. 706 00:37:37,855 --> 00:37:41,392 Lastly, and maybe the most important step to financial freedom. 707 00:37:41,759 --> 00:37:43,294 Time and patience. 708 00:37:43,294 --> 00:37:46,297 Allowing the phenomenon of compounding to take its course. 709 00:37:46,397 --> 00:37:49,567 Tom Brady and his Patriots Hall of Fame acceptance speech 710 00:37:49,634 --> 00:37:53,204 said something that really spoke to me, and I believe every person should hear it. 711 00:37:53,504 --> 00:37:56,274 He said to be successful at anything. 712 00:37:56,274 --> 00:37:58,876 The truth is, you don't have to be special. 713 00:37:58,876 --> 00:37:59,844 You just have to be what? 714 00:37:59,844 --> 00:38:04,215 Most people aren't consistent, determined, and willing to work for it. 715 00:38:04,515 --> 00:38:06,484 No shortcuts. 716 00:38:06,484 --> 00:38:07,818 Ask yourself this. 717 00:38:07,818 --> 00:38:08,986 Are you willing to be what 718 00:38:08,986 --> 00:38:11,989 most people aren't? Disciplined and patient. 719 00:38:12,323 --> 00:38:15,326 Do you consider yourself someone who can commit to your future? 720 00:38:15,726 --> 00:38:18,429 As you begin to live the five steps of financial freedom. 721 00:38:18,429 --> 00:38:21,232 You can have the opportunity see your money begin to work for you 722 00:38:21,232 --> 00:38:25,303 at an accelerated pace, creating increased cash flow and profit potential. 723 00:38:25,770 --> 00:38:28,773 And can you guess every time your opportunity makes you money? 724 00:38:28,806 --> 00:38:30,908 What should you do with your profits? 725 00:38:30,908 --> 00:38:32,009 You guessed it right. 726 00:38:32,009 --> 00:38:33,811 Start the five steps again. 727 00:38:33,811 --> 00:38:35,079 Save the profits. 728 00:38:35,079 --> 00:38:37,548 Protect them in the foundation of life insurance. 729 00:38:37,548 --> 00:38:38,516 Grow them. 730 00:38:38,516 --> 00:38:42,119 Leverage them through the indexed loan and give them time to compound. 731 00:38:42,320 --> 00:38:43,954 Then rinse and repeat. 732 00:38:43,954 --> 00:38:46,957 A simplified path to financial freedom. 733 00:38:46,991 --> 00:38:48,993 Following this blueprint, over the last ten years, 734 00:38:48,993 --> 00:38:50,795 I've been able to acquire over $22 735 00:38:50,795 --> 00:38:53,798 million of permanent life insurance coverage to protect my family, 736 00:38:53,964 --> 00:38:58,069 accumulate over $4 million inside my IUL, over $7 million 737 00:38:58,069 --> 00:39:00,338 in real estate equity, a strategic partnership 738 00:39:00,338 --> 00:39:04,075 making me a 75% annual return, built an eight figure business, 739 00:39:04,075 --> 00:39:07,478 and many other investments providing me with the passive income for the lifestyle 740 00:39:07,478 --> 00:39:08,713 I want. 741 00:39:08,713 --> 00:39:10,815 all these opportunities have only been available to me 742 00:39:10,815 --> 00:39:14,952 because I've had access to penalty and tax free capital through the indexed loan, 743 00:39:15,052 --> 00:39:16,120 according to my savings 744 00:39:16,120 --> 00:39:19,724 and commitment to capitalize on every opportunity presents itself to me 745 00:39:20,391 --> 00:39:22,793 Because I pay myself first, opening the door 746 00:39:22,793 --> 00:39:26,630 that only I could open and aggressively say 50% of all my income. 747 00:39:26,831 --> 00:39:28,766 My secure foundation is built. 748 00:39:28,766 --> 00:39:31,235 My money is protected with a 0% floor. 749 00:39:31,235 --> 00:39:33,704 My money has been compounding up to 10% per year. 750 00:39:33,704 --> 00:39:35,272 And inside my IUL policy, 751 00:39:35,272 --> 00:39:39,310 the match strategy has accelerated my growth potential up to an additional 5%. 752 00:39:39,610 --> 00:39:43,381 And then my selective real estate business and strategic opportunities 753 00:39:43,481 --> 00:39:46,584 have taken my wealth to amounts I could have never imagined before. 754 00:39:46,917 --> 00:39:49,854 I follow the five steps of financial freedom being what 755 00:39:49,854 --> 00:39:52,857 most people aren't, consistent and determined. 756 00:39:52,957 --> 00:39:54,458 No shortcuts. 757 00:39:54,458 --> 00:39:55,793 And the most amazing part. 758 00:39:55,793 --> 00:39:57,128 I don't do anything special. 759 00:39:57,128 --> 00:39:59,230 I follow the blueprint. Save. 760 00:39:59,230 --> 00:40:00,898 Protect. Grow. 761 00:40:00,898 --> 00:40:03,067 Leverage and time. 762 00:40:03,067 --> 00:40:05,870 When it comes to understand these five steps of financial freedom, 763 00:40:05,870 --> 00:40:08,873 there is one book that might explain it better than any other. 764 00:40:08,873 --> 00:40:12,276 Reading it opened up my eyes of all the many opportunities I was missing out 765 00:40:12,276 --> 00:40:16,147 on, and a driving force of my desire to build the partnership I have today. 766 00:40:16,447 --> 00:40:20,718 This book, written by my partner Kris Krohn, called Have It All, will help 767 00:40:20,718 --> 00:40:23,888 you understand step by step how to achieve the future you want. 768 00:40:24,121 --> 00:40:25,222 For an absolute free 769 00:40:25,222 --> 00:40:29,093 video book where Kris himself narrates, Have It All, text HIA 770 00:40:29,126 --> 00:40:33,164 H, I, A, to the number 20500 for immediate access. 771 00:40:33,264 --> 00:40:34,899 It will not disappoint. 772 00:40:34,899 --> 00:40:37,868 In summary, the foundation of financial freedom, 773 00:40:37,868 --> 00:40:40,871 a max funded, indexed universal life insurance policy 774 00:40:40,938 --> 00:40:44,108 might be one of the most important financial assets you could ever own. 775 00:40:44,442 --> 00:40:48,012 The MPI strategy, maximizing the indexed loan feature of the IUL 776 00:40:48,012 --> 00:40:50,981 policy, was designed to help every individual 777 00:40:51,048 --> 00:40:53,484 achieve the financial freedom they want in the time frame. 778 00:40:53,484 --> 00:40:56,253 They want it with 12 features. The benefits of an IUL 779 00:40:56,253 --> 00:40:59,323 You all all working in unison to provide you with a great path 780 00:40:59,323 --> 00:41:00,391 to financial freedom. 781 00:41:00,391 --> 00:41:03,394 You can unlock the door to unlimited opportunities in your life. 782 00:41:03,661 --> 00:41:06,564 I would like to take a minute to review each benefit you can access 783 00:41:06,564 --> 00:41:09,567 when you start your foundation of your life insurance policy. 784 00:41:10,034 --> 00:41:12,269 You will own a permanent life insurance policy. 785 00:41:12,269 --> 00:41:13,938 Will help protect your family immediately. 786 00:41:13,938 --> 00:41:15,873 And as long as it remains in good standing, 787 00:41:15,873 --> 00:41:19,310 meaning the cost of the policies paid through the contribution or cash 788 00:41:19,310 --> 00:41:23,280 value of the policy will never expire for lifelong protection 789 00:41:23,280 --> 00:41:26,283 and can also provide a path to generational wealth. 790 00:41:26,383 --> 00:41:29,220 According to your contract, your policy will have living benefits, 791 00:41:29,220 --> 00:41:33,224 providing up to $1 million advance against your life insurance policy 792 00:41:33,224 --> 00:41:36,227 due to specific chronic and or terminal illnesses. 793 00:41:36,293 --> 00:41:38,629 Because your eyes will be designed max funded, 794 00:41:38,629 --> 00:41:42,299 meaning the max amount of your premium is being allotted to the growth component 795 00:41:42,299 --> 00:41:45,302 and the lowest amount is being used for the life insurance component. 796 00:41:45,369 --> 00:41:47,771 You can enjoy the lowest expenses available. 797 00:41:47,771 --> 00:41:52,443 Your IUL indexed loan feature can allow you to access your cash value at any time, 798 00:41:52,643 --> 00:41:56,714 any age, for any reason without penalty, according to the terms of your contract. 799 00:41:56,981 --> 00:41:59,950 If you'd like to retire ahead of the IRS predetermined age 800 00:41:59,950 --> 00:42:01,552 to withdraw from your retirement plans, 801 00:42:01,552 --> 00:42:04,555 you can do so with the help of the Life Insurance Index loan. 802 00:42:04,722 --> 00:42:08,926 Instead of low contribution limits imposed by the 401 can IRAs, your I 803 00:42:08,959 --> 00:42:11,962 you all can have much higher limits to maximize tax free 804 00:42:11,962 --> 00:42:15,165 compounding potential and accessibility to the indexed loan amount. 805 00:42:15,533 --> 00:42:16,700 As an insurance policy, 806 00:42:16,700 --> 00:42:20,471 you can enjoy some great legal protections against leans, losses and creditors. 807 00:42:20,471 --> 00:42:21,705 In many cases, 808 00:42:21,705 --> 00:42:25,543 No matter how far the stock market drops, a 0% minimum return floor protect 809 00:42:25,576 --> 00:42:29,613 your account value, your Iowa account will never be exposed to market losses. 810 00:42:30,314 --> 00:42:31,549 S&P 500 growth. 811 00:42:31,549 --> 00:42:33,183 Your policy will receive credits 812 00:42:33,183 --> 00:42:37,288 according to the appreciation of the S&P 500 index or other similar indices 813 00:42:37,488 --> 00:42:41,158 ranging from the 0% floor and up to around 10% per year. 814 00:42:42,026 --> 00:42:45,629 As part of the annual policy, you can qualify for the match strategy 815 00:42:45,629 --> 00:42:49,366 as early as the second year, accelerating your compound interest potential 816 00:42:49,833 --> 00:42:50,935 when you're ready to retire. 817 00:42:50,935 --> 00:42:55,205 Passive income from your IUL can be 100% tax free at any age. 818 00:42:55,205 --> 00:42:56,941 From the indexed loan feature. 819 00:42:56,941 --> 00:42:59,777 And lastly, by utilizing the indexed loan feature, 820 00:42:59,777 --> 00:43:03,180 you can access unlimited opportunities according to your savings level, 821 00:43:03,314 --> 00:43:06,283 providing a path to early retirement, increase passive 822 00:43:06,283 --> 00:43:09,286 income and the financial freedom you want and deserve. 823 00:43:09,453 --> 00:43:12,356 Do you want to unlock the potential of your savings? 824 00:43:12,356 --> 00:43:14,458 Build your foundation first. 825 00:43:14,458 --> 00:43:16,226 I know I've given you a lot of information 826 00:43:16,226 --> 00:43:18,796 hoping to motivate you to start your path today, 827 00:43:18,796 --> 00:43:21,899 and I want to assure you that you will not be alone in your journey. 828 00:43:22,199 --> 00:43:25,369 Working with MPI Financial Services, you will have professional partners 829 00:43:25,369 --> 00:43:28,739 eager and comfy to help you in every step of the way, including 830 00:43:28,739 --> 00:43:31,842 many of the most stable and secure insurance carriers in the US, 831 00:43:32,076 --> 00:43:36,413 nationally recognized and successful real estate investors, licensed insurance 832 00:43:36,413 --> 00:43:40,918 agents, financial advisors, CFPs, CPAs, estate planning attorneys, 833 00:43:40,985 --> 00:43:44,755 debt free and budgeting coaching including great rollover options 834 00:43:44,755 --> 00:43:48,826 of your IRAs and 401Ks and many other professionals to assist 835 00:43:48,826 --> 00:43:51,829 you and all your financial needs To learn about and connect 836 00:43:51,829 --> 00:43:55,432 with all the financial professionals and financial services has available. 837 00:43:55,666 --> 00:43:59,870 Text the word services to the number 20500. 838 00:44:00,037 --> 00:44:01,939 We're on this journey together. 839 00:44:01,939 --> 00:44:05,175 You might be asking, how do I learn more and get started this time? 840 00:44:05,442 --> 00:44:06,644 Here's what to expect. 841 00:44:06,644 --> 00:44:11,482 First, meet with an insurance professional to custom build your IUL all policy 842 00:44:11,482 --> 00:44:15,819 by texting the word MPI to the number 20500. 843 00:44:15,853 --> 00:44:18,622 If you don't already have a dedicated agent. 844 00:44:18,622 --> 00:44:22,192 Second, complete the IUL insurance policy application. 845 00:44:22,393 --> 00:44:23,961 If you're ready to apply right now, 846 00:44:23,961 --> 00:44:28,065 text the word apply to the number 20500 to get started. 847 00:44:28,365 --> 00:44:32,002 Third, complete the life insurance health exam and other requirements 848 00:44:32,002 --> 00:44:33,871 for approval by the insurance company. 849 00:44:33,871 --> 00:44:36,373 Fourth, set up your designated savings account 850 00:44:36,373 --> 00:44:39,376 at your local bank and saving it as often as possible. 851 00:44:39,376 --> 00:44:42,212 Contributions to your IUL all can come from this account. 852 00:44:42,212 --> 00:44:46,817 Fifth, once your policy is approved, complete and sign the approval documents. 853 00:44:47,251 --> 00:44:51,588 Six make your first contribution and continue saving regularly. 854 00:44:51,922 --> 00:44:54,925 Seven as your index loan availability increases. 855 00:44:55,025 --> 00:44:58,429 Access it when secure opportunities present themselves through the match. 856 00:44:58,562 --> 00:45:01,231 Real estate opportunities and other selective investments. 857 00:45:01,231 --> 00:45:03,967 By working with the MPI investment team. 858 00:45:03,967 --> 00:45:08,072 Eight return profits and principles back into your IUL as often as possible. 859 00:45:08,605 --> 00:45:11,308 And nine rinse and repeat until you achieve 860 00:45:11,308 --> 00:45:13,477 the financial freedom level you choose. 861 00:45:13,477 --> 00:45:17,281 The MPI strategy unlocking the door to unlimited opportunities. 862 00:45:17,648 --> 00:45:20,784 Are you ready to pay yourself first, build your foundation 863 00:45:20,784 --> 00:45:24,455 and let the phenomenon of compounding accelerate your path to financial freedom. 864 00:45:25,055 --> 00:45:26,790 I want to invite you to schedule a no cost, 865 00:45:26,790 --> 00:45:30,494 one on one to review and customize a plan according to your unique goals. 866 00:45:30,894 --> 00:45:34,331 To schedule, click the link below this video to begin your path today. 867 00:45:34,431 --> 00:45:37,434 Thank you for your time and I truly hope this presentation 868 00:45:37,601 --> 00:45:41,572 has motivated inspired you to achieve the financial freedom you deserve. 869 00:45:41,972 --> 00:45:44,241 I'm Curtis Ray. Always be compounding.