LP_LeveragingOPM

THE CONCEPT OF LEVERAGE
IN LIFE INSURANCE

Using leverage is a very common practice for most people. People purchase items today with the hope that they will appreciate in value. Leverage allows people to enjoy more, sooner, and for a longer period of time. Some examples of this would be:

Using leverage to buy a bigger house today.
Using leverage to purchase an investment property to rent or flip.
Using a loan to expand a business without tying up cash flow.

Now, your clients can use leverage to enhance their life insurance benefits. Clients can use this leveraging strategy to obtain more benefits today and potential cash accumulation for their retirement future. The ultimate result is more financial comfort than savings and traditional life insurance alone.

WHY DO IT?

Funding Retirement with other people's money (the bank) can
be a smarter way to save for retirement in the modern market.
If your client retires at 65, they will need 25-30 YEARS income!
What if they only had to fund it for 5 years? There is a way to
bridge the savings gap needed to provide a successful financial
future using leveraging - the same way they buy a car. Clients
can address retirement, build legacy AND potentially cut out

taxes.

Value Provided:

Potential for more accumulation
Maintain current lifestyle
More protection for them and their families
Diversification of assets

Required Qualifications:

Combined household income of at least 100K per year
Between the ages of 18-65
You are in average or good health
You can contribute a minimum of $22K per year

This strategy is the only one one that provides clients the opportunity to add up to 3x more money to fund a cash accumulating life insurance policy.

Contact the Life Team at UMS. We have software that can show you and your clients: 800-524-1774

DISCLAIMER

This strategy is dependent on the client making contributions for the first 5 years therefore not defaulting on the policy, which could result in policy lapse and surrender charges. The client will not have access to the policy, the cash values, the death benefits or the living benefits (if available) until the loan is repaid and the assignment is released. The lender has the right to discontinue funding new premiums, exit the market, or to demand loan repayment based on the terms and conditions signed by the Master Trust. See the Master Trust documents for additional information. There are some exceptions to this rule. This information is not intended as tax advice. Please consult with a tax professional for advice regarding your own situation. Not all riders are available by all life insurance companies.