2022 – The Homeboys – LIFE INSURANCE & RETIREMENT PLANNING WITH CURTIS RAY | 🏠 Homeboys Podcast #45 – [VIDEO-YouTube-52:22]

  • 12:00 – CR – Took 4 years to read everything on Life Insurance.
  • 12 – MLMs
  • CR – 13 – Max Funded, Increasing Death Benefit, Cut out 90% of Commissions, 
  • CR – Make Money the Result, not the Reason.
  • CR – MPI – Life Insurance  – Private plan, not a Government Plan.  Participating Loan at 4%, not from the contract. Take a loan from the contract and put the money right back in. Creating Leverage – no market risk – 3% spread – 
  • CR – It stops working when your policy makes x%- Arbitrage – Secure Leverage – You can get 7% securely from your policy, Plus a “Match” from the insurance company.  Real Estate – MPI is the simplified version of Real Estate – Never Liable for your loan – Ran 10,000 scenarios, Monte Carlo, 100% Success Rate
  • 23 – CR – Dips are good for us – Interest Deferred
  • 24 – CR – 
  • 25 – CR – 2008 Financial Crisis – Insurance Companies were fine – Dave Ramsey – Explains IUL, S&P Strategy, Designed Correctly from the Start, 1-2% are designed correctly – the rest are trash.
  • 28 – CR – As long as you pay the premium. no. Cash Value inside. [Bonk: P1P2].  Cutting 90% of expenses. Can stop paying premiums for decades and decades and still be fine.
  • 30 – 
  • 30 – Leverage Real Estate to