The Difference

All Programs are NOT Alike. While there are many financing solutions available on the market, most fail to save the client money in the long term. Some are available only to people over the age of 70. Others generate short-term benefits and can actually cost clients as much money as paying out of pocket in just 7 to 10 years. Some use unrealistic interest rate forecasting, while others just don’t explain all the risks that can occur when using financing.

The key differentiator between NIW Life Strategy and these other financing options is the strategy’s ability to address a younger market (ages 1 to 70) with a focus on 35- to 65-year-old individuals who have a net worth of at least $10 million.

With the NIW Life Strategy, interest is usually (but not always) rolled up into the loan and an insurance product is used that has the capacity to grow cash values that outperform the loan. When the cash value is sufficient, the loan is paid off using excess cash values. The end result? The client enjoys the benefits and peace of mind that come with life insurance without incurring the prohibitive taxes, costs, and even liquidation of assets that can occur with other financing options.