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Get Our 3-step Guide to Using a Whole Life Insurance Policy to Buy Real Estate here ➡ bit.ly/IBCStepbyStepGuide

Get Our 3-step Guide to Using a Whole Life Insurance Policy to Buy Real Estate here ➡ bit.ly/IBCStepbyStepGuide

Get Our 3-step Guide to Using a Whole Life Insurance Policy to Buy Real Estate here ➡ bit.ly/IBCStepbyStepGuide

Get Our 3-step Guide to Using a Whole Life Insurance Policy to Buy Real Estate here ➡ bit.ly/IBCStepbyStepGuide

Get Our 3-step Guide to Using a Whole Life Insurance Policy to Buy Real Estate here ➡ bit.ly/IBCStepbyStepGuide

Get Our 3-step Guide to Using a Whole Life Insurance Policy to Buy Real Estate here ➡ bit.ly/IBCStepbyStepGuide

Get Our 3-step Guide to Using a Whole Life Insurance Policy to Buy Real Estate here ➡ bit.ly/IBCStepbyStepGuide

Get Our 3-step Guide to Using a Whole Life Insurance Policy to Buy Real Estate here ➡ bit.ly/IBCStepbyStepGuide

Get Our 3-step Guide to Using a Whole Life Insurance Policy to Buy Real Estate here ➡ bit.ly/IBCStepbyStepGuide

Get Our 3-step Guide to Using a Whole Life Insurance Policy to Buy Real Estate here ➡ bit.ly/IBCStepbyStepGuide

Thank you Steve. Great Video

👍🏾The cash value educator

Thank you for your time in answering my question. I watching the case study now. Have a nice day.

ruclips.net/video/4fDdQSASb0A/видео.htmlsi=XraZeaSyzU87V-hq

I would be grateful if somebody answers my questions🙏

lit

🔍 Qu’est-ce qu’un courtier d’assurance ? Les courtiers Ce sont commerçants inscrits au registre du commerce et soumis à toutes les règles du droit commercial. Ils sont rémunérés par des commissions versées par les sociétés d'assurance et sont assujettis aux impôts commerciaux et à la TVA. Ils peuvent être des personnes morales. Ils sont propriétaires de leurs portefeuilles de clientèle qu'ils peuvent céder en toute indépendance. Ils cherchent pour le compte d'assurés la conclusion de contrat d'assurance ou de réassurance auprès de des sociétés de leurs choix. Ce sont des techniciens professionnels, souvent spécialisés dans une branche d'assurance, ils déterminent la garantie la mieux adaptée et prennent souvent le nom d'assureur conseil. Alors que l'agent général d'assurance est mandataire de la compagnie d'assurance, le courtier est mandataire de l'assuré, il fait un acte d'entremise. Il est responsable vis-à-vis de l'assuré quand il commet une faute comme la mauvaise exécution de son devoir de conseil. Inversement, l'assuré engage sa responsabilité envers le courtier s'il revoque intempestivement le mandat. Mais le courtier peut être parfois mandataire de l'assureur pour l'accomplissement de certains actes. Ex: attestation d'assurance. Les clients ignorent souvent que leur assureur est un courtier. Pour qu'ils sachent, il aurait fallu qu'ils le rémunèrent directement et que le courtier verse une commission à la compagnie d'assurance. L'exercice de courtage demeure libre, il n'est pas réglementé par un statut particulier. Le syndicat national des courtiers d'assurance a pris le soin de rédiger les principaux usages professionnels. Bien qu'officieuse, cette constatation s'impose dans la mesure où les usages ont fait l'objet d'une consécration jurisprudentielle. Un courtier d’assurance est un expert indépendant qui vous aide à trouver la meilleure couverture adaptée à vos besoins, tout en vous garantissant le meilleur rapport qualité-prix. 🛠️ Rôle du courtier d’assurance : ✅Évaluation des besoins : Analyse vos besoins en assurance (maison, voiture, santé, etc.). ✅Recherche de solutions : Compare les offres des compagnies d’assurance pour vous. ✅Conseil personnalisé : Explique les termes des contrats et vous aide à comprendre les garanties. ✅Gestion des contrats : S’occupe de la souscription, des renouvellements et des modifications. ✅Assistance en cas de sinistre: Vous accompagne dans la déclaration et le suivi des sinistres. Le courtier d’assurance est votre allié pour naviguer sereinement dans le monde des assurances. 𝐄𝐭 𝐯𝐨𝐮𝐬 𝐬𝐚𝐯𝐞𝐳 𝐪𝐮𝐨𝐢? 𝐋𝐚 𝐫é𝐦𝐮𝐧é𝐫𝐚𝐭𝐢𝐨𝐧 𝐝𝐞 𝐯𝐨𝐭𝐫𝐞 𝐜𝐨𝐮𝐫𝐭𝐢𝐞𝐫 𝐝'𝐚𝐬𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐧'𝐞𝐬𝐭 𝐩𝐚𝐬 à 𝐯𝐨𝐭𝐫𝐞 𝐜𝐡𝐚𝐫𝐠𝐞 ! #FIAC #Assurance #Courtier # Sicar #Afrique ⏱️La Minute du courtier Le saviez-vous ? 🤔 Faire appel à un courtier pour gérer vos assurances ne vous coûte rien ! Les courtiers sont payés directement par les compagnies d'assurance, vous offrant ainsi un service gratuit, personnalisé, et orienté vers vos besoins. Avec un courtier à vos côtés, vous êtes sûr d'obtenir les meilleures garanties au meilleur prix, sans frais supplémentaires. Profitez de cette opportunité ! #FIAC #Assurance #Courtier #Afrique #SICAR Tel: 00226 25307726/25316724 Tel PCA SICAR : +226 74118026/61575762/68255058 Fax:+226 25313823 01bp6325 Ouagadougou 01

Le courtier international Marsh de Marsh McLennan Companies n'est plus actionnaire de SICAR la société international de courtage d'assurances et de Réassurances du Burkina Faso, le premier assureur conseil du Burkina Faso . Le président du conseil d'administration Héma Sidi Sasanma

Get Our 3-step guide to Using a Whole Life Insurance Policy to Buy Real Estate here --> bit.ly/IBCStepbyStepGuide

Dave Ramsey is a good place to start if you are riddled with bad debt. Properly structured WL is a powerful AND asset. Ramsey is good with getting out of debt. Steve is good at building wealth. Thanks Steve.

If an annuitant buys an income annuity with a 5-year deferral period for $500k and dies in the 4th year, does the insurance company pay the beneficiaries $500k, or $500k plus interest?

How does the interest rate on a fixed annuity and the discount rate on an income annuity differ from the interest rate on a Certificate of Deposit? Can anyone provide specific figures?

Is the interest rate locked in for the entire term with fixed or income annuity contracts, or can the insurance company change the rate after a few years, similar to how banks adjust rates with Adjustable-Rate Mortgages?

Maybe I don't understand it completely but it seems sketchy

Will this work with 1 or all of the Big 4

I would love it if you would show a pure base policy and how it performs. I am a big proponent of IBC but I am more a proponent of Whole life insurance as a whole. I would rather train my customers to hold on to cash that they do not need right away so that they can maximize their cash over the long haul. I know corporations may differ but I think we should steer people to look at their insurance as an asset for the long haul. Of course considering their age... as a factor. What are your immediate thoughts. Love your shows always!!!

This is just the latest version based on previous video(s) that Steve already did addressing this myth that 40/60 "gives you more cash value" than 10/90 - ruclips.net/video/WRzRUgAtbDs/видео.html (Dividend Study) ruclips.net/video/T6Hk2y913JA/видео.html ($100k per year) ruclips.net/video/f32wIEisOcs/видео.html (Agents commission)

My hunch is that you could open 2 policies at 10/90 and still pay less in comms than 1 40/60 and come out ahead!

Awesome explanation

Here is the problem with the 10/90 policy. If the client doesn't put in huge amounts of money into the PUAR the policy can become unstable as the client gets older. The 40/60 design is safer and more stable as the client gets older.

I gravitated to this channel years ago based on the IBC naming… but if truly embracing the concept of IBC, you’d be encouraged to maximize use of current and future human life value into completely non-blended policy structure. Of course the 10/90 blending markets well to scarcity minded perception that “paying less” and/or “paying for shorter period” is better. As for me, I want none of what underwriting will approve to be consumed by term policy rider. I absolutely will have future windfalls that will require capacity - for that I’ll want convertible term that term riders would conflict with in terms of human life value coverage. Couldn’t care less if break even is 5 years vs 8… my future self and my future family policy portfolio will want every dollar of future capacity.

👉🏾✨✨✨

Thank you for the info !

Dave talks bad about you and your kind and has no problem with it. He insults insurance agents and basically calls them thief's, scammers, and criminals for selling whole life (this is usually true by the way?). I must agree that Dave is 100% correct but only maybe 90% of the time. Why? I agree with you that if a filthy rich person has extra cash to hide tax free and then to be able to use it to make more money borrowing from your own policy, then whole life is an unbelievably GREAT tool to use to keep and produce more wealth! For the average person suffering under Biden inflation though they cannot afford gas, food, or a home so putting $20K down every year for whole life if not doable. Whole life is almost totally a tool for the uber rich. I have 3 whole life policies on my children and had one on my mother and all 3-4 policies are crap and I should have invested in something else like Apple or Lockheed Martin stock. With that said, I purchased those policies while I was poor but now I am better off and I do plan to purchase between 3-6 whole life policies on kids and grandkids and fund them exceptionally well to create funding for my Family Bank in my Perpetual Trust in South Dakota which will provide income to all my descendants for hundreds+ of years I hope? Just look up the Rockefeller family "Dynasty" trust and see that they are all millionaires and it does work and whole life is the engine that drives the funding. My point? Whole life is just one great tool in a tool bag full of great tools so pick the right tool to do the job that actually fits it and don't let some insurance agent sell you a tool that does not fit your needs just so he can make huge commissions off of it. I carry a drill in my tool bag but I do not use it as a pipe wrench to fix my plumbing problems. I can drive a nail with a drill but it is not pretty and does not work as well as a hammer would. Whole life is for the rich and term life is for the poor and average people. Long Term Care is more important for the working people but that is another topic.

As a graduate of Dave's FPU, my feeling is he has done his reputation a great disservice, and has lost a good measure of my respect, personally. His ideas and plans to get put of debt, and manage your money properly are excellent. And if his belief was, that if you're struggling with your finances, you shouldn't buy into a whole life, but rather buy a term for protection at a manageable premium, that would be fine. But that's where he should stop. Not every product is right for every consumer, but some products are perfect for a lot of people. When he lays blame on an entire industry because he had a bad experience with a Northwestern product/agent, he comes off as an arrogant, uninformed person. His personality is abrasive, when it doesn't need to be.

Dave doesn't like whole life because he doesn't own a whole life company.

When he says the insurance company steals the cash value, that goes against the formula I learned on my exam: Net Amount at risk + cash value-any outstanding loans = Net death benefit. That's not even including the nonsense he tells his audience about dividends.

excellent video (as usual), keep 'em coming!!

Dave is a salesman, if he cant profit from a product he wont sell it.

Dave Ramsey financial education is perfectly appropriate for people with zero basic financial understanding. Basically, he can teach terms and definitions. After that, Imma say R Nelson Nash #ForTheWin

11:45 @Steve Parisi couldn’t you have gone even leaner and got north of $1.8M CV in first year?

I always appreciate how IBC (Steve Parisi and his firm) transparently discuss commission and that all important equation: higher commissions are of less value to the end customer, while lower commissions are of better relative value.

Personal finance is the broad net of the category, but in DR’s case it’s more appropriately branded “impersonal finance”. Even the calls that he takes from individuals, I don’t find have the due care that should be afforded an individual - there’s just not enough time given DR’s format, so I’m not devoid of respect for what is accomplished by DR for a mass market, generic advice for the mean or average caller. An individual should be able to assess that they are not receiving personalized financial advice over the span of a 10 minute phone in; but not all such individuals will realize this. 15:40 I don’t think DR would invest time to understand WLI because it’s not a product that is most suitable for the vast majority of his readership/viewership.