Don't Let the Insurance Company Win

There was a time in my career when my primary focus was helping people maximize returns on their investments. But after experiencing the pain of losing money alongside my clients, I knew I never wanted to be part of that again. That turning point led me to shift my philosophy—from chasing growth to protecting wealth. 

Today, I focus on conservative financial strategies, especially insurance-based ones, to help safeguard people’s assets. Our goal is to protect money from threats like government taxation, health insurance companies, nursing homes, lawsuits, and even poorly structured life insurance contracts. While we often recommend life insurance as a financial tool, we caution our clients: not all life insurance companies are the same. It’s crucial to choose a financially strong, top-rated mutual company—one with a history of stability and a reputation for never raising the cost of insurance. 

The biggest risks in life insurance come from stopping payments, a company going under, or unexpected cost increases. When you sign a life insurance contract, the insurer retains control over elements like the cost of insurance, which can become extremely expensive with age and drain your policy’s cash value. That’s why we only partner with mutual companies that have never raised their internal costs. These companies have earned the trust of wealthy individuals for good reason—they’ve delivered consistent, reliable performance over decades. My advice? Avoid stock-based insurers and stick with mutual companies that prioritize long-term policyholder value. It’s a crucial tip for anyone looking to use life insurance as a true wealth-protection tool.