Truth Based Wealth focuses on all the living benefits of Participating Whole Life Insurance. Here are some of the benefits that you can take advantage of:

• A level premium cost that will typically decrease in cost or be completely paid up to where you no longer have to pay to keep the policy in force, at a specified point in your life.

• A guaranteed death benefit that will be paid out to your loved ones / beneficiary as long as the premiums have been paid. No other type of insurance (car, home, health, etc…) can guarantee you will be paid, because everyone will pass away at some point.

• Cash Values that represent your equity in the policies death benefit that are guaranteed to be there for your use however you want to use it. There are no restrictions on how you use your cash values. They are they for you to withdraw or borrow from whenever you like with out any fees or penalties for doing so.

• Never ending tax free growth of your money. All of your money in the policy will continue to grow at a guaranteed rate completely tax free as long as it stays in the policy. If you decide to withdraw money out of the policy then your growth on that amount that you have withdrawn will stop. But the policy is set up on a first-in-first-out basis, meaning that the money you withdraw out will first be taken from the money you have paid into the policy and not from the growth. When you do withdraw more then you have paid into it, then you will be taxed on the growth of your money. However, this is why we recommend borrowing money instead. When you borrow money, you are actually borrowing money from the life insurance company, rather then from your own money. Your Cash Value represents the equity you have in your policy which the loan uses as collateral. This means that when you borrow money, all of your own money stays in the policy and continues to grow. Since money that comes from a loan is not taxed, you can use all of the growth in your cash values tax free!