Make Money with Your Life Insurance
28% annual ROI
We offer life insurance to assist you with estate needs. If you have a lot of built-up equity in your home, here is a way to make an easy and high return on your money.:
There is a strategy to buying life insurance when you are older: buy it today, sell it later for cash, more than you paid out in premiums. Yes, there is a secondary market that will buy your life insurance policy.
Example: $10 million dollar policy costs you, at age 72, $1.1 million per a year. After 2 years you can sell this policy off for $4 million dollars. So...it cost $ 2.2 million to pay the premiums for 2 years and now you get $4 million. You made a profit of 1.8 million, or $900,000 per year. And, after you sell the policy, the policy's purchaser continues to pay the premiums for the policy, waiting for you to die so they can collect the face value of the insurance policy. You have no further premiums to pay. Yolur return on investmemt: about 28% annually on your money.
Refinance your home, or take out an equity loan, use the money to pay the insurance premiums for 2 years and then cash in, pay off the loan and be ahead by a million dollars or more. Pay off the equity loan, the interest for which was tax-deductible mortgage interest anyway.
This has to be done exactly right.
Some sample figures:
(Based on a 72 year old male)
| Policy | Annual Premium | 2 Years' Premiums | Sell for 40% Face Value | Profit |
| 1 Million | $109,972
| $219,944
| 400,000 | $180,056
|
| 2 Million | $219,840
| $439,680
| 800,000
| $360,320
|
| 5 Million | $549,450 | $1,098,900 | 2,000,000 | $901,100
|
| 10 Million | 1,098,900
| 2,197,600 | 4,000,000 | $1,802,400
|