Moving Mountains Insurance
Did you know?
4 Ways Life Insurance Can Improve Your Life While Living!
Traditional life insurance typically pays your loved ones a tax free lump sum of cash during the worst tragedy of your life-it's end. Today's life insurance is more than enhanced; offering unmatched Tax Advantages, certainty in Retirement Income, Uninterrupted Compound Interest growth, Protection against market volatility, supreme Liquidity of your cash, and so much more!
(1) TAXES
Who loves paying taxes? Whether it's lofty capital gains within real estate or stocks, or paying taxes after withdrawing from your coveted IRA/401(k), it is never fun. It's likely robbing you of that one opportunity to get you to the next level. Or that one vacation you desperately need! Depending on your income, paying 15% - 20% on any gain could feel gut wrenching! Good news is it doesn't have to be that way!
INSURANCE SOLUTION
- Tax Free Shelter - Cash Value Life Insurance, whether Whole Life (WL) or Indexed Universal Life (IUL), doesn't succumb to capital gains or withdrawals (early or not). According to IRS Code 7702 and 72e, life insurance has the right to accumulate cash TAX FREE as well as payout those funds TAX FREE!
- Policy Loans - Loans are engineered in the policy and are not considered taxable income. The payout would be through no qualification, no term, policy loans that you can access penalty free before age 59 1/2; unlike IRA's or 401(k)'s.
RESULT
This would free up additional funds for other investing opportunities, working capital, or a well deserved splurge, the choice is YOURS!
(2) RETIREMENT
Middle-class workers, like many Americans, are facing challenges with dwindling savings and retirement plans. According to Forbes, they are not saving enough for a financially secure retirement. The Social Security Administration projects that by 2034, the program will only be able to pay out 77% of its full benefits. Additionally, Gallup reports that millennials change jobs more than three times the rate of other generations in a year, reducing opportunities to commit to traditional retirement plans like 401(k) or IRA. Moreover, each new job often comes with a probationary period before benefits become accessible. Market volatility has also negatively impacted many Americans. Cash Value Life Insurance offers a solution to these ongoing issues!
INSURANCE SOLUTION
- Market Participation - IUL accrues compound interest typically using the S&P 500, which has averaged 7%- 10% for the last 100 years!
- No Risk in Market - IUL policies have 0% floor, meaning you can never get a negative return on your money! Similar to a stop-loss when directly investing in the stock market, IUL policies have 0 exposure in volatile conditions.
- Self Funded Policy - Remember, you're earning compound interest on your nest egg and depending on how large you let it grow it could self fund the policy, reducing expenditures during retirement.
- Pension - Simultaneously, you could have the policy making scheduled distributions paying you like a pension!
- Permanent Possession - This is YOUR policy, so no matter your profession, place of employment, or journey you're on... you can be secure knowing that this plan will always be with you.
- Versatility- Not a fan of volatile public markets in general? Whole Life Insurance offers the same benefits but garners GUARANTEED GROWTH, giving you certainty!
RESULT
This would reduce risk and expenses when you need it most, in retirement. Providing a consistent stream of income that could potentially never end. Truly amazing!
(3) BANKING
Banks can be a hassle when it comes to accessing funds. Securing funding involves dealing with credit history, income verification, Debt-to-Income Ratio, loan qualifications, interest rates, and documentation. Many people have experienced denials or restrictions due to these factors. Banks primarily gather funds from one group of customers and lend them out to others at a higher rate, pocketing the difference. With Cash Value Life Insurance (IUL or WL), you can bypass the middleman and take control of your financial future!
INSURANCE SOLUTION
- Collateral - When you take policy loans, you are collateralizing the funds you've contributed against the money the insurance company pays you. Meaning when you take a loan, your contributed funds continue to earn compound interest!
- Arbitrage on Interest - For a financial institution to offer a loan they legally must charge an interest rate. Knowing there remains compound interest growth creates an arbitrage between the loan rate and growth rate! The math is real simple. If you earn 8% interest on your cash but you are charged 4% to get a loan against that same cash, then there's a 4% leftover profit, or arbitrage. Similar to the banking model.
RESULT
This allows you to accumulate and earn interest on cash in one primary place. Then place that same cash in multiple, secondary interest bearing vehicles/persons simultaneously! Imagine your same dollar earning interest in market participation, real estate, new business ventures, and as current working capital. Now you can have one dollar be used several times, just like the bank. POWERFUL!
(4) MORTGAGE PROTECTION
Speaking of banks, lets cover one of the largest instruments used in their lending portfolio... Mortgages! Being a long term commitment, it's important to know the ramifications if a mortgage is defaulted. The negative impact could be daunting… from credit damage, financially still owing the lender, affecting future housing opportunities, stress, and obviously the loss of your home. Life happens, and some things are unforeseen. The banks are aware and in most cases make you pay insurance to protect THEM! It's called PMI, or Private Mortgage Insurance. So in the event you or the home you've built hits time of hardship, this whole time you've been paying cover the banks risk, not your own!
INSURANCE SOLUTION
- Living Benefits - Life insurance has 'Living Benefits' that activate when you have a critical, chronic, or any of the 6 ADL's (Activities of Daily Living)! From an unfavorable diagnosis to needing temporary help getting out of the bed or getting dressed. Life Insurance has the ability to pay you up to 80% of the policy's face value or death benefit depending on the severity of the situation. So if you had a $1,000,000 policy, the insurance company would pay up to $800,000 while you're living.
- Death Benefit - If you left this earth prematurely (or eventually), you would have a tax free, lump sum of cash paying out to your loved ones ensuring your affairs are in order and they are not in financial distress.
RESULT
Life Insurance is the wild card kept in your back pocket, helping to keep you and your loved ones protected. That card to help cover finances and eliminate unwarranted stress. To keep your family home away from vultures. To give you and your loved ones peace, energy, and time to focus on what's more important, EACH OTHER! No other product in the world can do this!
Knowing about the protection, growth, liquidity, and tax advantages of Life Insurance is the easy part…
To have a policy set up properly, catered to your situation is where the work starts. That’s where we come in and help!
I’m Erick, and I understand where you’re coming from!
As a top performer in financial services (credit repair, personal loans, and PE) since 2020, it’s my mission to educate and empower my community, city, and world to the everlasting benefits of tax advantages, retirement income, financial safety, liquidity, and peace of mind that Life Insurance brings. In that way we can live life, and live it more abundantly!
Ready to understand how life insurance can transform your life?
Benefits Explained
Wealth Creation and Preservation
Earn passive income from a S&P 500 market that’s averages 7% - 10% returns for the last 100 years without risk of having a negative return with 0% floors in the policy.
Financial Strength
The combined assets of the five largest life insurance companies in the United States total nearly two trillion dollars — an average of nearly $400 billion each!
Independence
Use non-taxable policy loans for liquidity and function of a bank to access money on your terms for whatever you need, whenever you need it.
Legacy for Your Loved Ones
Offer them time and financial certainty. Leave an impact of peace, comfort, and opportunity to your loved ones with a lump sum payout whether you’re here or not.
Quality always comes first!
What our clients say
Roxanne Mac
I am impressed with the speed of work and the level of quality of here. I love how Erick makes something as complex as insurance, so simple!
★★★★★
HOW IT WORKS
📅 Step 1: Schedule an Appointment
🔍 Step 2: We Handle the Details
🙂 Step 3: You Begin Your Future
Indexed Universal Life Insurance FEATURES...
✅ Retirement Income
✅ Tax Free Interest Growth
✅ Tax Free Access
✅ Mortgage Protection
✅ Self Banking (Infinite Banking Concept)
✅ Interest Arbitrage
✅ Recycle Your $
✅ Real Estate Investing
✅ Working Capital
✅ Emergency Fund
✅ Creditor Protection (State Specific)
✅ Market Volatility Protection
✅ Wealth Creation
✅ Wealth Preservation
✅ College Fund
✅ Liquidity
✅ Head Start for Next Generation
✅ Asset Optimization
Life insurance is a financial Swiss army knife, protecting much more than life.
Ready to understand the SAFEST most AGGRESSIVE vehicle to place your money?
GET STARTED NOW
Erick Yellock
NPN: 21012272
Moving Mountains Insurance
3104 E Camelback Rd. Suite 2557, Phoenix, AZ, 85016
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