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Cash Value Life Insurance Is Perfect For You If...

You are at the beginning of your retirement planning journey, and are looking for the most secure and advantageous place to begin putting your money.

You currently have your money invested in other financial vehicles, and are looking for a place that can diversify your income and allow you to remain liquid at any time, without early withdrawal penalties associated.

You are looking to invest your money, but want the security of knowing that you can withdraw it when you need it, and that you are not putting your investment at risk of losses due to the stock market.

You are planning and/or have an existing college fund set up for your children. In fact, the CVLI policy is an even better alternative to 529 college savings plans.

You are an investor who wants to begin compounding your money, while at the same time have the ability to put that money in other investment vehicles WITHOUT interrupting the compounding growth of the account.

Did You Know That Nearly Half Of Those Who Retire Will End Up Running Out Of Money?

Luckily for you... There's a solution.

At Piton Financial Services, we want to introduce you to how a Specifically Designed Cash Value Life Insurance Policy can both protect your hard earned investments, as well as allow you to make up YEARS of lost time if you feel you're late to the game.

First, while most investment plans are taxed when it comes time to withdraw your earnings, the money you invest in your CVLI Policy is 100% tax free. This means better returns on your investment over time, instead of having your earnings depleted by hefty taxes on the backend.

Second, with this strategy you essentially become your own “self-bank”, meaning you can borrow against your investment whenever, WITHOUT interrupting the compounding growth of the account. This means you are always liquid during times of emergency, and can even allow you to diversify your assets by having your money to work in multiple places at once.

Third, unlike a 401k, you have a guarantee that you can NEVER lose money due to the volatility of the market. This means that no matter what happens to the economy or stock market, you can rest easy knowing that your investment is 100% safe from losses, and you are your family are protected at all times.

Fourth, when you invest your money into a CVLI Policy, you also receive a death benefit that will be left over to your loved ones and dependents when you pass on. This means that can feel confident that your family will have their financial needs taken care of in the unfortunate event of your passing.

Lastly, by having your investment in a CVLI Policy, you are 100% protected against creditors. What this means is that no matter what happens in your life (i.e. lawsuits, bankruptcy, etc..) you can have the peace of mind that your money will always be there for you when you need it.

Frequently Asked Questions

What if I’m uninsurable or have poor health?

No problem, if you want to move forward, there is almost always a family member or someone with insurable interest, which will still allow you to be the owner of the policy. Simply put, if you want this, we will help make it happen for you.

Can I pay for my policy monthly or yearly?

You have the ability to fund your policy monthly, semi-annually, or annually. There is a lot of flexibility, unlike other insurance products regarding how you can fund your policy.

Can I write a Cash Value Life Insurance Policy for my children?

Yes, in fact this is an even better alternative to 529 college savings plans.

Can I have more than one policy?

Yes, in fact we have clients with upwards of 10 policies on themselves and even more when you account for family members. There is no cap on how many you can own.

What is the completion time from application to placement of coverage?

From beginning to end, it is typically 1-2 weeks on average. We do all the work to make sure things go through underwriting smoothly and keep you informed throughout the entire process.

What happens if the insurance company goes out of business?

This is incredibly unlikely because insurance companies are the most stable financial institutions, and are required to carry cash reserves greater than, or equal to, all the death benefits combined. In the unlikely event that it did ever occur, we have multiple carriers that would purchase the contract.

What if the government changes rules around Cash Value Life Insurance?

Since it is a private contract, once it is in place, it cannot be altered by any government changes going forward. This is why it is important to take action now, since we don't know what the government will do in the future. The last major change was in the 1980's and we feel there will be another one in the near future, but it is important to note that all policies grandfathered before the changes will not be affected.