Life insurance can make you rich.

...And no, you don't have to die.

When it comes to wealth building, efficiency is the name of the game. Every dollar you invest into your family’s future should give you the greatest “bang for your buck.” 

Now, we know what you’re thinking:

“Well said, but what on earth does life insurance have to do with my mortgage?“

It turns out that life insurance is a “secret” financial tool that the rich use all the time—and not because they’re old and afraid of dying.  

A specially designed life insurance policy can help you save $100k or more on your mortgage and build lasting wealth for three reasons:

1) You can free up money that you’re already paying for a less-efficient life insurance policy.

2) You can earn tax free interest on your money (paying 15% or more on your 401(k) gains isn’t fun).

3) You can eliminate the single greatest risk people face in retirement (and all the money you should save to prepare for it).

The Strategy

If you currently have life insurance, you probably have “term” life insurance. Term insurance is cheap and pays your relatives a lump sum if you die. That’s about it.

AKA not useful for paying your home off.

But “whole life” insurance is different—and this is the secret—because in addition to insurance against untimely demise, chronic illness, disability, and so on, these policies have a “cash value” that builds over time. You can pull your cash value out of your policy at any time and do whatever you want with it.

…You can also use it to pay off your mortgage.

With whole life insurance, you pay a base rate each month for the robust insurance benefits (some of which goes into the policy’s cash value). You can then use your policy as a tax-advantaged investment account by dumping in the extra money you would have used to pay down your house faster.

Once your cash value is large enough, you can pull the money out of your policy and pay off your mortgage in one fell swoop without losing any of the death/health insurance benefits you’ve been paying for. 

Here’s a short illustration of a whole-life policy in action:

An Example

John and his wife, Abigail, decide they need to do something about how much interest they’re going to pay over their new 30-year mortgage.

They already spend $100 a month on term insurance and $200 a month on disability insurance (in case they ever need long-term care).

By using the Mortgage Freedom Budget Template to cut back on expenses, John and Abigail figure they can come up with an extra $400 a month to pay down their mortgage.

They can either spend the $400 by paying the bank directly (the “Pay Extra” way), or they can put it into a whole life policy that will replace their current disability and life insurance payments and have $700 to work with (the “Whole Life” way).

MORTGAGE PAYOFF TIMELINE

  • The "Pay Extra" Way
  • $95K

    Saved in interest.

  • ➤ Home paid off in 19 years (11 years early)
  • ➤ May be penalized for extra payments
  • The "Whole Life" Way
  • $112K

    Saved in interest.

  • ➤ Home paid off in 18 years (12 years early)
  • ➤ No saving restrictions
  • ➤ Tax-free dividend growth
  • ➤ Life insurance
  • ➤ Disability insurance
  • ➤ Long-term care insurance
  • ➤ Emergency fund

Now that you’ve seen how to put over $100,000 back in your bank account, we have just one question: 

What would you be willing to do for an extra $100K (not to mention the confidence that your family is well-protected against harm and accident)?

Compete on Fear Factor?

Sell a kidney on the black market?

How about show up to a 25-minute video call? 

EFFORT REQUIRED:

• Fill out a form

• Put on a shirt

• Interact with a friendly and knowledgeable human being

PAYOFF:

• $100K of savings

• Peace of mind

If that sounds like a productive use of your time, then now’s your chance. 

We have a customized report with your name on it that analyzes your path to mortgage freedom. From there, it’ll be up to you to choose the option that makes the most sense for your situation. You can have it with the click of a button.

Do we have a deal?

FREE CUSTOM REPORT

Talk to an advisor

When you sign up to learn more, you’ll be contacted by a certified advisor. Over a short video call (25 minutes), this advisor will present you with a custom slide deck that you can use to find the most efficient use for your money. 

This report outlines pros and cons of various strategies for saving on interest and shows you the exact (customized) life insurance policy that can pay off your mortgage early and build long-term wealth. 

The second best part about the report is that it’s free.

The best part is that the numbers are real and describe practical financial decisions you can make without much effort.

You can take this information and file it away, or you can follow one of the strategies and save yourself tens—even hundreds—of thousands of dollars. Our advisors don’t make things awkward by pressuring you into doing anything that doesn’t fit your goals. 

All we ask is that you do the math (and we help with that).

GET IT DONE

Talk to an advisor

One More Thing...

Upgrading your life insurance can cut a decade off your mortgage—which is awesome!

If saving money on your mortgage is your #1 goal right now, that’s fantastic. The right life insurance policy will get you there.

But here’s something else to think about:

The #1 biggest financial threat people face in retirement is the prospect of needing long-term care, which can cost $80k – $200k per year. Prolonged care needs can destroy retirement savings and family relationships alike.

But sometimes, the need for long-term care comes early. What would your family do if an accident or chronic illness left you alive but disabled or in need of long-term care? 

It’s a tragic thought, but the reality is that we aren’t lucky 100% of the time.

If only you could find a life insurance policy that would take those threats away…

At the end of the day, that’s the real reason for getting life insurance: to protect yourself and your family against unexpected misfortune.

Few things are more reassuring than the knowledge that you and your family will be taken care of no matter what happens. Life insurance makes that knowledge a reality.

And if you can save $100k while you’re at it, is there really a downside? 

THINK AHEAD

Talk to an advisor

At the Mortgage Freedom Center, we help homeowners find peace of mind by getting out of debt, protecting their family finances, and investing for the future with maximum efficiency.

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We need a little info to save you $100k.

Free Advisement and a Custom Mortgage Freedom Report

We need a little info to save you $100k.

Free Advisement and a Custom Mortgage Freedom Report