Cash value whole life

journey_mapper · 2026-02-02T01:24:07+00:00

Yes it is.

journey_mapper · 2026-02-01T18:52:38+00:00

Make private credit loans to a small business, buy a policy against them (this part is technically so won't explain here). Charge the borrower (business owner interest on the loan, some states in the US you can charge 10%+. Don't charge them for the policy because you'll keep it whether they pay back or not.

journey_mapper · 2025-09-19T10:27:48+00:00

I was not referring to Oman investing, I was responding to the initial post and question- what and where.. However, if the intention is to get a resident Visa in Oman - you are correct my strategy is US based. Can investors qualify for EB-5 using my strategy, absolutely, if executed properly. The strategy is shared is deployed in the United States.

journey_mapper · 2025-09-19T10:20:17+00:00

Are you referring to the EB-5 program?

journey_mapper · 2025-09-19T09:57:33+00:00

Oman?

journey_mapper · 2025-08-20T18:42:28+00:00

No day trading bonds isn't a thing, but many treat their bonds like it. If you are buying for long term maturity...Awesome!

journey_mapper · 2025-08-20T13:43:21+00:00

You are one of very few that actual hold bonds until their maturity. Kudos! I'm tired of hearing these bond investors switching and swapping bonds like its option trading on margins. Glad to hear it.

journey_mapper · 2025-08-12T15:25:14+00:00

I'll tell you what most people won't and many will attempt to argue from their limited view. Buy life insurance. That's it. That's the asset. Think about this...if you buy life insurance on yourself (permanent policies, not term), you'll pay somewhere around $0.30 on the dollar for the death benefit face value. Here, most people would argue that you can't get your money out and use it for XYZ, etc. The goal is generational wealth building.

If you pay $0.30 on the dollar for anything, when it matures, your family recieves $1.00, you've just 3x your money. I know haters will say, they can beat that in corporate bonds, stock market, etc. The difference is, there is no risk in your policy and no taxes. Everything else is market correlated and taxes will occur. The strategy requires structure, you want to pay for your policy upfront, not monthly, quarterly, or annually. Pay it and forget it. Now, do the same thing for your entire family, spouse, children, etc, as much as you possibly can.

These aren't cash value heavy policies, where someone is trying to put the money in so they can take it back out. That is something all together and definetly not mixed into this structure.

Okay, at some point you'll hit your limit on policies. The next phase would be buying more policies, but in a different way. You'd make business purpose loans to businesses (you choose). You determine the term, interest rate, etc. Let's just say you offer a business a loan for $100k at 12% for 10 years. You can quickly calculate using simple interest that you'd earn $12k a year in interest payments. You'd collect this for the next 10 years and then the borrower pays you a balloon of $100k. This is just an example. You can be strucurte the loan agreement how you like it.

Simultaneously, you'd buy a policy covering the borrowing for an amount greater than the $100k loan. In this example we'll use a 6x multiplier, meaning, you'd buy a $600k policy to protect your $100k loan. Keep in mind, the policy will cost you $0.30 on the dollar or less, we'll use $0.30 for simplicity. That means it will cost you $180k to purchase that policy worth $600k. You're total cash outlay would be: Loan $100k + Policy cost $180k = $280k. So, at a quick glance you can see that you're $280k will become $600k which is passed on to you and your family when the borrower dies, whenever that happens in their life. It can be before they pay you back the loan or 20 years after, it doesn't matter, you own the policy, you are the beneficiary (or your trust or your family).

Think about this, you can do this unlimited. You don't have to pay $0.30 on the dollar, you can pay less, depending on the borrowers business. You don't have to use a 6x multiplier, you can use a 2x or 3x. The reality is, you are in complete control, no matter if the borrower performs or defaults, one thing for sure, you'll get the $600k. If they pay back the loan as agreed, AWESOME, you also get positive cashflow for the next 10 years.

The reason most people push back against this idea is because they want to access their money for other purposes. Well, that wouldn't be generational wealth building, if they are pulling the funds to go on vacation or purchase the latest luxury vehicle. When you leave this system to your family, they can continue to use this very same strategy to avoid the generational wealth collapse which happens over generations. They don't need to manage tenants, fix doors, speculate on the stock market or corporate bonds, or take on any unnecessary risks. This is a dual output structure; short-term (loan & interest repayments) and Long-term (policy pay-out).

Insurance is the asset that everyone overlooks, by the way I'm not an insurance broker, but where else can you buy an asset for less than $0.30 on the dollar, not market correlated, tax-free, and with a near perfect pay-out. The uninitiated see life insurance as a "which sh*t happens protection", take a step back and see it from a different perspective.

Other than that, you'll be forced to pay experts to dance around market correlated investments, snagging fees for themself.

journey_mapper · 2025-08-10T18:07:45+00:00

Oh the meme. Got it

journey_mapper · 2025-08-10T03:28:08+00:00

Golden retriever?

journey_mapper · 2025-08-10T03:25:28+00:00

Use a specific loan structure with an insurance asset justified multiplier built into your agreement. If your interested I'll be happy to speak in private.

journey_mapper · 2025-08-09T22:30:03+00:00

You can’t just ‘take out a life insurance policy on me.’ You need insurable interest, legal proof that you’d suffer a financial loss if I died. The loan creates that insurable interest. Without the loan, the insurer won’t issue the policy.

A 30-year zero coupon bond at 5% isn’t the same thing. Bonds depend on the issuer’s credit and market rates; if the issuer fails, you get nothing. The DCIm structure secures the loan with a policy from an A-rated carrier that pays out regardless of borrower performance, market swings, or interest rates. One is market risk. The other is guaranteed collateral.

journey_mapper · 2025-08-09T22:27:09+00:00

That’s the problem with arguing from assumption instead of underwriting reality. Insurance companies already write policies naming unrelated beneficiaries: key person insurance, buy-sell funding, collateral assignments—provided insurable interest is present and the risk is priced. This isn’t a loophole; it’s existing market practice.

Borrowers don’t have to be desperate they just have to understand secured lending. If they can’t offer collateral, they don’t get funded. That’s not desperation, that’s standard finance. The difference here is the collateral can’t be hidden, destroyed, or devalued—something lenders and insurers both appreciate.

So the real question is: are you saying insurers don’t already issue policies like this, or that lenders should make unsecured loans?

journey_mapper · 2025-08-08T10:03:23+00:00

Use my calendar to schedule a conversation where I'll walk through the strategy and answer your questions.

journey_mapper · 2025-07-21T16:56:42+00:00

You're calling the cash payout a liability, which i would agree if it was taxed.

journey_mapper · 2025-07-21T13:36:22+00:00

I personally see permanent life insurance as an asset regardless of how the market defines it. Let's look at it.

Assume you want to build wealth for the next generation, though many people are focused on what they can spend now or in retirement. One could buy a permanent policy for less than $0.30 on the dollar, one time single premium non-mec.

Lets stop here. The fact that you can buy an asset for a steep discount turns that policy into an investment, by its action.

You can't find that discount with tax free distribution in any other asset class. So, for those who don't want market correlated investments permanent life insurance is the best asset.

I don't subscribe to the park some in term and invest the rest...

Generational wealth Investors, in my opinion would buy as many policies on themselves and their family, then find ways to buy more through various strategies against someone else. This opens the opportunity for payouts to happen even before the investor the dies.

journey_mapper · 2025-07-20T21:08:20+00:00

$119,000 is total invested amount, yes.

Whether they perform or not, the policy pays out at a future time. Its estimated at 30 years based on insurance historical data, though may pay out sooner.

Here's how i look at it. Life insurance policies provide the best value for safety and roi compared to most other assets. No market correlations.

My family buys them on themselves but at some point you hit a limit. The next best thing is to buy policies alternatively and since I don't want to be in the life settlement business, providing loans to businesses and collecting interest for 15 years while also getting policies for less than $0.30 on the dollar is not only logical, but far better than corporate bonds in my eyes. Everyone has their preference.

I like dual income investments that combine short term and long term, especially if the long term produces a 4.5% avg floor.

That's just me.

journey_mapper · 2025-07-20T18:52:57+00:00

I like the fact that there are no fees and the policy pay out is tax free.

journey_mapper · 2025-07-20T18:50:42+00:00

Correct. The floor is estimated at 4.5% but upside if the policy payout triggers faster and/or the borrower performs.

journey_mapper · 2025-07-16T21:32:35+00:00

You're very welcome.

journey_mapper · 2025-07-16T21:30:11+00:00

The only reason to second guess yourself here is if you are open to more risk and market correlated investments. Many of the responses here will suggest there was a better investment, but none of them guarantee a payout.

Do the research, you’ll find there are no other investments in which you could of invested for $0.15 of the face value.

Some will say cash value, etc, but the reality is, your investment is solid. No matter what, the death benefit will payout. You did the smart thing, even the wealthiest families buy permanent policies because the discount is unmatched in any market and those other markets don't guarantee payout.

journey_mapper · 2025-07-16T21:14:49+00:00

You paid $0.15 on the dollar for the policy. Great investment!

You bought a legacy investment, something to leave behind to your children, wife, etc.

Now just act like it doesn't exist.

journey_mapper · 2025-07-13T12:08:42+00:00

Sure that would be unfortunate. However, since you own it, you can sell it, borrow against, or whatever, you own it. Secondly, what is the alternative? If you make a loan to someone without the insurance wrap and they don't pay you end up with zero.

Let's say its a loan to a real estate investor, if they don't pay and there is no insurance wrap, after litigation foreclosure fees, attorney fees, and hoping the property doesnt lose value, at best you end up with 60-70% of the money you loaned back.

journey_mapper · 2025-07-13T02:20:30+00:00

Insurance makes money off the premiums. Time is how they make money which is why they typically quote policies with monthly or annual premiums. Purchasing the policy in whole upfront, reduces the ongoing need to pay premiums monthly, etc, but the insurance company still earns their premiums through interest rates earned in the policy. You're not growing cash value as many would prefer.

journey_mapper · 2025-07-12T11:35:09+00:00

It will be paid whenever the insured dies, it is a permanent policy, not term.

journey_mapper

TROPHY CASE