Banking Solutions and Why Hybrid Arbitrage? Just a few short years ago, I was staunchly opposed to indexed universal life insurance, because that’s what I was taught by the national “banks” and “gurus” years ago. I believed (as many people still do) that if you need life insurance, you should buy a term policy, then take the difference in premiums between whole life and term and invest it in mutual funds.
Advisors also say that you shouldn’t pay off your house early because, a home loan is cheap money and you can’t get to your equity. That money can be used for investing, as if you will never lose money in the market and as if advisors don’t make points whether you make money or not.
So when a friend of mine sat me down and tried to show me how I could bank like the banks do, I nearly refused to listen. Many of you reading this will feel the same way, and nothing I say will change your minds. That’s fine, you’re entitled to your opinion just as I was entitled to mine.
Thankfully, my associate showed me how a properly designed indexed universal life insurance policy and hybrid financial arbitrage works. I soon realized that the gurus and advisors of today were correct, based on the information they’d been given. The problem was their information was incomplete and that’s why hybrid financial arbitrage was outside their realm of thinking.
Hybrid Arbitrage, a solution that is a unique combination of GPS debt technology (No refinance, modification, settlement or consolidation) and a special kind of no surrender charge, no cap, no fee index universal life insurance, POLI (Private Owned Life Insurance), the kind that banks use. This is a type of BOLI can be used by any American adult, family and business owner. Hybrid Arbitrage turns Infinite Banking, BYOB, Velocity Banking or any other type of banking solution previously used, on its head. This has never been done before.
We’ve helped thousands of people across the United States eliminate their debt. Now you can add the same debt-free and wealthy solution as part of your financial plan, your family’s future, or your business. Whatever your reasons are, we are here to help you achieve your goals. We’ve helped thousands of people across the United States eliminate their debt. Now you can add the same debt-free and wealthy solution as part of your financial plan, your family’s future, or your business. Whatever your reasons are, we are here to help you achieve your goals.
We work hard to make you a smarter, better money manager. Our tools and resources are available to anyone… Your socioeconomic background doesn’t matter, we work with you if you’re a multi-millionaire or barely making ends meet.
Whenever I hear a financial advisor, investment advisor (or anyone, for that matter) talk about less expensive premiums for term, or equity isn’t real money, I know they really don’t understand how this solution of hybrid financial arbitrage really works. That means they are not offering all solutions.
They don’t know amortization, as if in a 6% mortgage the interest is not more than the cost of the house. They don’t realize that JC Penney would have gone broke in the 30s without whole life insurance and that it took 32 years for the stock market to recover. Now we are in a global market.
They know nothing about the IRS codes 7702 & 101a passed by congress in the Cares Act 2020. They don’t know about BOLI, COLI or about the many rich people who established their fortunes using life insurance.
The goal is not to use a whole life insurance policy, the goal is to strategically optimize your pay off using technology, eliminate up to 75% of the interest, while paying off your debt or mortgage in less than half the time. Rather than using a HELOC or a Savings account, using the Index Universal Life Insurance policy allows you to make money on your early mortgage or debt pay off. Your money never leaves the IUL, you earn interest on your liabilities for the rest of your life, you also become your own bank. You make the interest on your own future loans and never pay them back. You bank like a bank, equalize the financial playing field and close the wealth gap forever.
Why hybrid Arbitrage? Because I was fooled too, but I researched the information and you can google it too.
There are a lot of influencers online and on social media talking about the benefits of life insurance, mostly Whole Life.
They speak about Borrowing money, buying consumer products and in most cases, paying back the insurance loan. They don’t talk about are surrender charges, debt and overfunding the policies.
Why? Because surrender charges could be 10 years. They consider debt another subject and overfunding means having to put more money in the policy.
When it comes to IULs, they speak about the Fees, cost, the volatility and sometimes the compounded interest. They don’t talk about the cap. They don’t mention that you can overfund the policy with your debt, which then becomes your collateral.
With us you are overfunding the policy with your debt, liabilities or mortgage, so it is actually less money than you would spend without the policy and the debt tool. You could eliminate 75% of the interest. There are no Surrender Charges, Caps and no Fees.
Why don’t you have to pay back the loan? Because you are borrowing against your own money, which was originally your debt, not the face value. Because the death benefit is not the collateral it actually grows throughout the life of the policy.
You see loaning yourself money and Banking like a Bank makes much more sense and is super lucrative.
Why hybrid, because with a properly designed indexed universal whole life insurance policy, you get:
Why hybrid arbitrage? Because, many financial advisers will tell you that your money would do better in a good mutual fund. But remember, when someone shows you an “average rate of return,” they can start taking that average from any time that benefits their example. This is not compounded growth but rather a factor of timing as to when you enter and exit the market, actual return is much different.
The stock market has wild swings; if that is acceptable to you, you should have much of your money in stocks. If not, maybe it’s time to consider a more hybrid way to think about investing. (Remember the period from March 2000 to October 2002, when the Nasdaq lost 78 percent of its value? It’s been 16 years since the dot-com bubble started to pop, and the tech-heavy index still hasn’t quite recovered to that level. If you like guarantees and stability then you have no business putting most of your money in the stock market.)
But a properly structured life insurance policy will have high cash value percentages, and liquidity even in its first year, and they increase every year. This becomes an important fact when you are paying off any kind of debt, student loan or a mortgage.
With many index universal life policies, you can add an “accelerated death benefit rider” for little to no cost, which will give you access to a large portion of your death benefit during your lifetime if you have a terminal or chronic illness.
I just had a associate with a client who was diagnosed with Lou Gehrig’s disease, or ALS, and was sent a check from his insurer for more than 70 percent of the eventual death benefit. He’ll be able to enjoy his remaining time without worrying how he will pay his bills.
Turn Liabilities Into Income
