High Risk with High Early Cash Value Whole Life Insurance

Описание: What Social Media Influencers Aren't Telling You About "High Early Cash Value" Policy Designs

"High early cash value" (sometimes referred to as "90/10") whole life policies are frequently promoted across social media, promising maximum early cash value with seemingly no downside.

In this episode, I demonstrate the hidden trade-offs that, in my experience, I never see disclosed to clients. We have compelling data from 50-year policy comparisons that shows why these designs often cost policyholders hundreds of thousands in long-term wealth potential.

Listen in to learn how Nelson Nash's principle of " thinking long-range" is essential and how a more balanced policy approach provides the flexibility and wealth-building capacity superior to high early cash value designs and can transform financial outcomes for generations.

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00:00 What to know about high early cash value
09:22 The three ways to get high early cash value
10:10 IRS rules are why policy design is even a thing
11:13 Cash value is derived from the death benefit not separate from it
11:59 More death benefit = more possible cash value
12:19 1. "Short-Pay" Policies
15:55 2. Big, long-dated term riders
16:58 3. Non-guaranteed policy elements
18:48 50 year comparison: Short-Pays vs. Long-Pay
26:26 Paying premium takes precedence in the order of operations
29:05 One additional payment changes the entire story
32:34 Expanding the system
33:55 Think long range