Blog Archives - The Nash CashFlow Group

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Securing Your Family’s Financial Future With Child Policies

November 24, 2023/in Blog, Insurance/by The Nash CashFlow Group

Compound interest can work for anybody at any age, but the longer the time horizon, the better. There is no better time to get an insurance policy than when someone enters this world.

Premium payments required to acheive a large death benefit are low, passive income is assured, insurability is locked in, most underwriting requirements are avoided, and most importantly it allows a substantial tax free build up of cash that can be used for decades to come.

Join Doug & John as they discuss just how powerful child policies really are.

“As each generation becomes grandparents, they buy life insurance on their grandchildren. If the message is passed on to each child-bearing generation- as they become grandparents then you can create the same effect as the “even distribution of age classes” in the growing trees, but it is far more profitable and certain as to the results.” –R. Nelson Nash, Becoming Your Own Banker, Unlock the Infinite Banking Concept.

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The Beauty Of Unstructured Loans

November 17, 2023/in Blog, Insurance/by The Nash CashFlow Group

Applications, justification, income verification, qualification, etc…. These are some of the many steps we have accepted we must take when getting a loan from someone else. It’s a laborious process that’s not within our control.

What if there was a better way to access capital? Come join Doug and John to find out how!

“What is an unstructured loan? It is basically an open ended loan arrangement. It is open ended because of the time and frequency of repayment is not defined. There is no set time of repayment. This means that you can pay it back whenever you want, and if you have enough collateral capacity to absorb the loan, you may never have to repay the loan or the interest. (Very) few people can obtain (an unstructured loan unless you have) access to loans from friends without terms, or available from your life insurance company if you own a permanent life, insurance contract.” – Brian Bloom – Confessions of a CPA, The Truth About Life Insurance.

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Is Now The Ideal Time To Buy Whole Life Insurance?

November 10, 2023/in Blog, Insurance/by The Nash CashFlow Group

To repeat an old adage- the best time to buy life insurance was 20 years ago. The second best time is now. The time value of money coupled with the power of compounding means that age is always the most powerful predictor of policy performance over the long term. However, there are other factors at play at a Macro level that play a role.

Insurance companies rely on safe assets to generate yield on their capital, and therefore, are greatly affected by interest rates. The last few decades have seen historically low interest rates, and declining dividend rates by insurance companies.

We are now at a turning point in this environment, and are starting to see companies either hold, or slightly increase their annual dividend crediting rates.

While we certainly can’t predict the future, we postulate that now is likely to be a very good time to own whole life insurance.

“At the end of the year, the Life Insurance company makes an accounting of the experience of that year of the death claims paid, the earnings on premiums collected, and the expenses of running the company. A dividend is declared which is actually a return to the policy owner of surplus premium that as collected. Hence, it is not an earning and, therefore, is not taxable. When that dividend is then used to buy additional paid-up insurance at cost, then the result is a continuous compounding of an ever-increasing base.”

–R. Nelson Nash, Becoming Your Own Banker- Unlock the Infinite Banking Concept.

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