Is it good or bad for you? – Coffee & Whole Life Insurance

Today, let’s talk about 2 of the 5 “Mark Bertrang Theological Truths”. One is coffee. The other one is wine. I love getting this magazine, Wine Spectator, and I thought it was very interesting today when I looked my brand-new issue and they had an article about coffee in my Wine Spectator magazine. Now you might be asking what are theological truths, my theological truths. There are 5 in total. Just sharing the 2 right now, coffee and wine. In nature they serve no purpose other than proof that God wanted the children to be happy.

As I was reading the Wine Spectator magazine today, I enjoyed an article by a gentleman whose name is Mark Pendergrast. The name of the article is A Cup for Mind and Body: Your daily pick-me-up may offer unexpected health benefits. He [Mark Pendergrast] goes back in to the history of drinking coffee and it was interesting because back as early as 1674 in the Women’s Petition Against Coffee, British women had attributed male impotence to coffee. The excessive use of coffee. In the late 19th century and early 20th century, C.W. Post, who was and his company still is the maker of cereals, said the following, “Does [coffee] reduce your work time, kill your energy, push you into the big crowd of mongrels, deaden what thoroughbred blood you may have and neutralize all your efforts to make money and fame?” Then, in the 1960s through the 1980s there was a series of studies also suggested that coffee consumption may contribute to pancreatic cancer, bladder cancer, breast lumps, heart disease, and birth defects. The studies received wide media attention.

Well, that has not stopped me from making sure that my French press this morning is full and I am taking in my caffeinated drink to get the day going. And again, one of my theological truths, it was created because God wanted the children to be happy. What has changed though is moderate consumption nowadays is actually considered to be good for your health. For instance, according to this same article, now it has been proven that it can lower your risk of Type 2 Diabetes. It can lower your risk of liver, endometrial, and pancreatic cancer and lower the risk of depression and suicide. So, there’s the good news for the day.

What does this have to do with anything? Well, I know you might find that interesting, but I often times will see what is in the press and the media talk that is misinterpreting or is negative or maligned (criticized) certain products that actually have a real benefit and that have been proven over the centuries. One is Whole Life Insurance. Simply because people don’t understand because they haven’t been shown. It’s not their fault. They haven’t been shown how to do the math and how the benefit of owning a portfolio of Whole Life Insurance can actually affect your life for the better.

What I mean about life: a lot of times people will say that this is something I can only enjoy when I die. Well, if that was the fact, I wouldn’t have such a large portfolio of Whole Life Insurance myself because I know how it benefits my life. People will say it has a low rate of return and that it is unavailable to be able to do things. Instead, I look at it and I see the substantial rate of return because of the way I can leverage it to be able to do other things. It allows me to make money on my money. Now, here’s the important thing: let’s talk about Walt Disney. Whole Life Insurance is not to build money so you can take the family to Disney World, but do as Disney did. A lot of people don’t realize that Walt Disney borrowed against his life insurance policy to get Disneyland up and running because everyone else around him believed that the idea was just crazy. His brother, Roy, who basically took care of the money within the corporation, said no. No foolishness, no money is going to go to foolishness like Disneyland. So, it didn’t happen. In fact, banks were saying this is kind of a crazy idea, we’ve never seen anything like this, this is not going to be working as well.

At that time because executives own huge amounts of permanent Whole Life Insurance because they understand how this works. Banks own huge amounts of bank-owned life insurance because they understand how it works. They understand the safety. They understand the leverage. They understand how it grows tax-deferred and, if done correctly, how it can be tax-free. They get it. You use a Whole Life Insurance policy as leverage as a business person would and that way, you’re able to get a higher rate of return because of the way that you’re able to leverage from one thing to another. If you have not been shown this math, you’re missing great opportunities that might be right on your doorstep, but you just haven’t had your eyes opened to be able to see what the opportunities truly are.

Not only the opportunities. We’re told time and time again to have an emergency fund. What better place than to have it safe, sound, and liquid? To be able to have money in a Whole Life policy so in the event we never have an emergency, it’s actually doing something other than sitting in a bank earning, what, .000 …nothing percent. It's not too hard to beat that and oh by the way, a properly structured Whole Life Insurance contract will do substantially better than that. Have something that will provide an emergency fund. Have something that will provide an opportunity fund. Here is the amazing fact; if you have cash, opportunities will come searching for you and all you have to do is decide is: do I take it or do I not take it, is this an opportunity I want to take advantage of, or is this an opportunity I wish not to take advantage of?

You can find out more about this asset by reading my book Investments Don’t Hug: Embracing the Life Insurance Asset available on Amazon and Barnes and Nobles or in the audio format on iTunes or Audible. To find out more about me and the team that can assist you in implementing this, so it is done correctly, explore my website at Let us help you change your mind just as the thought of coffee years and years ago was that it was this horrible thing that pushed you into a “group of mongrels.” That’s stinkin’ thinkin’ as Zig Ziglar used to say. Let’s change the thinking. Let’s look at the opportunities that might be available for you.

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