Build Lasting Wealth with Whole Life Insurance
Protect Your Loved Ones While Creating Guaranteed, Tax-Advantaged Growth That Banks Can't Match.
Are you looking for a financial tool that gives you protection, growth, and access to capital all in one place? Whole life insurance offers far more than just providing a death benefit. It's a powerful wealth-building strategy that puts you firmly in control of your finances.
What Makes Whole Life Insurance Different?
Whole life insurance provides a rock-solid financial foundation with lifetime coverage guarantees, steady cash value accumulation you can actually use, and the stability and certainty that's missing from most financial products today.
Unlike traditional, tired investments that fluctuate with nauseating market volatility, whole life delivers freedom, in the form of steady, predictable growth and protection you deserve, and can count on.
The benefits of whole life insurance are incredibly liberating, including:
Lifetime coverage that never expires: sleep well knowing your family's financial protection won't vanish as you age
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Fixed premiums that never increase: budget with confidence, knowing your costs will never rise, even as you get older
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Guaranteed annual cash value growth: watch your money grow every year without fail, regardless of market conditions
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Dividend payments: Companies we have worked with have paid dividends for over 100 years consecutively.
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Tax-advantaged growth: build wealth without the burden of annual income taxes eating away at your gains
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Liquidity through policy loans: access your money whenever you need it without credit checks or approval processes
The real power lies with Life Insurance Cash Value: tax-advantaged money that grows inside your policy and that you can access through policy loans whenever you need it!
Why Most Financial Strategies Fall Short
The issue with traditional financial advice is that it often leads families into troubling situations. Most people follow conventional wisdom that sounds good in theory but creates stress and uncertainty when real life happens.
The end result? A financial industry that profits while you take on all the risk!
- Market volatility that can erase years of hard work overnight when you need your money most
- Bank accounts paying pennies while inflation silently steals your purchasing power year after year
- Tax-deferred accounts that lock away your money until age 59½, with penalties when life throws you curveballs!
- Limited access to capital forcing you to borrow from banks when opportunities or emergencies arise
- One-size-fits-all products that serve the financial industry's needs better than they serve yours
Whole Life Insurance: A Strategy for Financial Control
The Money Advantage team approaches whole life insurance from a completely unique angle. Instead of seeing it as an expense that only pays when you die, we can help you use it as your cash flow management system.
A whole life insurance strategy allows your money to grow safely while remaining available for the opportunities and challenges that life tends to throw at us from time to time. That means:
- Guaranteed annual growth that adds to your wealth every single year, even when markets plummet and others lose everything!
- Tax-free access to your cash value anytime you want, without IRS penalties or explaining yourself to bank loan officers!
- Protection from market crashes so you can sleep soundly during economic chaos while others panic about their portfolios!
- Privacy and security keeping your financial life away from prying eyes and beyond the reach of predatory banking practices!
- A legacy tool that passes more money to your children and grandchildren without the government taking a huge slice first!
A whole life insurance policy puts you in control of your money, not banks or financial institutions that profit from your deposits while giving next to nothing in return.
What a Properly Designed Whole Life Policy Offers
Not all whole life insurance policies are the same. The right policy design maximizes your cash value growth while minimizing unnecessary costs.
With The Money Advantage whole life insurance strategy, your policy will provide so much more:
- High early cash value available in the first few years
- Strong, consistent growth that increases your wealth year after year
- Flexibility to adjust as your financial needs change
- Collateral for loans to fund investments or opportunities
- Protection from creditors in many states
- Income Tax-free death benefit for your heirs
This isn't your grandfather's life insurance. These are specially designed whole life insurance policies that work as sophisticated wealth-building tools that help you build true generational wealth!
Real Results from Real People
Marcus came to us in 2019 looking for a smarter way to protect his family, grow his capital, and invest in real estate. Since then, he’s used his whole life insurance policy as a financial foundation to launch multiple ventures, without relying on banks.
Here’s how he’s put his policy to work:
For Marcus, whole life insurance isn’t just protection. It’s his business capital, legacy plan, and financial peace of mind—all in one.
"They helped us restructure our business entities into a more advantageous tax structure where we saved taxes right off the bat...If you are looking for a partner to look at your business and personal finances holistically, I highly recommend The Money Advantage" - Susan Dison
"The Money Advantage has access to all the experts, including accountants and investment advisors...they have so much knowledge in so many fields. I worked with their team for about three years and saved a lot in taxes during that time." - Dan Arsenault
"The Money Advantage gives us access to resources that mega-wealthy families have in a family office, a whole team of people that are working together for the individual, which is something you will not find in any traditional financial service." - Sherry Berman
"We didn’t want to just give an inheritance… we wanted to raise stewards. And now we are.” - Darren and Buffy Ruthardt
"Our kids felt valued. They felt included. And they were excited to carry this forward to the next generation.” - Shannon Love
How One Client Took Back Control During a Crisis
Another client came to us overwhelmed - her husband had two emergency surgeries, they’d lost income, sold their cattle due to drought, and taken on high-interest bank debt just to stay afloat. Then she received a reimbursement check from their health insurance company and asked, "Wouldn’t it make more sense to fund our policy first and then pay off the debt?"
Because she had capitalized her whole life policy early on, she now had options. Together, we created a plan: she max-funded the policy with the check, took a policy loan at 5.7% to pay off the 9% bank loan, and set a plan to aggressively repay the loan on her terms.
Her cash value keeps growing uninterrupted, and the relief on her face said it all: "I feel SOOO much better. This is very doable." For her, Infinite Banking isn’t just about money - it’s about control, flexibility, and peace of mind when life happens."
Your Family Deserves Financial Security
Every family wants financial stability and growth. With whole life insurance as part of your strategy, you can:
Protect your loved ones if something happens to you
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Build a growing pool of cash that you control
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Create tax advantages that keep more money in your pocket
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Establish financial freedom outside traditional systems
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Leave a legacy that benefits generations to come
Meet Our Whole Life Insurance Specialists
Rachel Marshall
Rachel is the co-host of The Money Advantage podcast, the popular business and personal finance show. She teaches how to make money simple, fun, and doable
Bruce Wehner
Bruce not only teaches clients how to use the Infinite Banking Concept, but he also models it in his own life. He is a business owner, real estate investor, and the owner of multiple specially-designed whole life insurance policies.
Take The Next Step Toward Financial Freedom!
Ready to learn how whole life insurance can help change your family's life for the better and build lasting wealth for generations? Don't wait until tomorrow or next week - get started now!
Download Our Free Guide
The Quick & Easy Privatized Banking Guide for Investors shows you how whole life insurance can boost your investment returns without adding risk. Thousands have enriched their families' lives through this simple, easy-to-grasp guide!
Book a Strategy Call
Talk with our team about how whole life insurance fits into your financial future. We'll answer your questions and help you determine if this strategy is right for your family.