Eddie Patel, President
Action Investment Services, Inc.

Life Insurance

Money for your family

There are exactly two types of life insurance:

1. The kind you don’t need

2. The kind you won’t want to live without

While the response in number one might be what 80% or more of you identified with, it is the 20% of you who understand life insurance and the way it actually works, that may have already achieved a big part of our Total Wealth Management concept.

All joking aside, life insurance comes in 3 basic forms as I will list below

1. Straight Term Life Insurance – I like to call this "the renter's policy." Term life does address the monetary need that your family or a loved one would have, in the event of your death. Term life does pay a tax free death benefit upon the death of the insured, but does not pay anything if you outlive the term.

2. Variable Universal Life Insurance (VULs) – This is the tool of most "traditional" investment advisors with clients who are comfortable with taking hefty risk on their asset positions.

Variable Univeral Life or VULs, offer a wide array of benefits, including cash value accumulation. Cash value accumulation is an overlooked feature of life insurance and in fact, this cash value quickly becomes the crux of our total wealth management concept.

3. Fixed Index Life Insurance (FIULs) – Fixed Index Life Insurance is very much like variable life insurance except that these policies tend to protect the cash value infinitely better. Fixed Index Life Insurance relies on the concept of "hedging," which we will talk about in our meetings.

The hedging process will serve to guarantee your cash value from any downturns in the stock market and return you a portion of its gains, when the market returns to the positive. FIUL’s are great asset retainers for investors looking to protect profits and continue to beat inflation.

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If you understand how a life insurance policy can accrue interest, can build cash value, and can be leveraged in later years then you will learn how to build a tax free, personal pension that will renew so long as you should live.

Action Investment Services specializes in all forms of life insurance and in helping our customers utilize its benefits to generate powerful legacies that only the richest people in America, have previously enjoyed.

Contact Us today to learn more about using life insurance to augment your Total Wealth Concept.