Road Closed Ahead

Don’t be in a situation in your life where all of a sudden you come up to a sign you’ve never seen before on the path you thought you had dictated in your life. You thought you knew exactly the way that life was supposed to play out for you and then out of the blue, all of a sudden, you come across a sign that will say “Road Closed Ahead”. Don’t allow this to happen to you.

These are the things that I worry about on a regular basis because I’ve seen it time and time again and I wish I wouldn’t, but I see it again and again. People will say to me that there is always an opportunity to take advantage of this later on, when they are better prepared or have certain other things already taken care of. They think they don’t have to worry because the road is now clear and they have all these possibilities in their life so that they can now do whatever they want. Their job is always going to be great and their personal economy is always going to go smooth. The economy outside of their life is always going to run in averages.

Unfortunately, all of a sudden, the economy is up and down and all around. The job is maybe not a job that they like. I realized that I only met with 3 people this year that actually love their jobs. I have not run in to anyone who thinks that investments are going their way. People have family problems. They have problems with their friends. They have problems with the people that they work with; nothing goes smooth. Nothing is settled in a half hour like it used to be on a television sitcom. A family would have a problem at the beginning of the how, like the Brady Bunch, and by the time the 28 minutes was up and a few commercial breaks later the family had solved the problem. That is not real life.

I want to be able to take advantage of all of the opportunities in my life, and I want to be able to do it in such a way that I don’t have to worry about a “Road Closed Ahead”. I want to make certain that no matter what happens in my life that there are guarantees making sure that things are fulfilled. Whether I am able to fulfill them or not.

Did you know that the IRS has a limitation on how much money that you can put inside of a whole life insurance policy? Why would they care? Did you know life insurance companies have a limit to how much you can personally buy? I’m not saying generically where people can only buy this amount of insurance, but it’s actually based on what your own individual worth is, based on your Human Life Value. Just like down the street here, I have houses behind me that probably have a certain value. The insurance company would not allow you to over-insure it. You cannot insure a $250,000 hour for $500,000 because the insurance company says that that value is not there. An automobile that’s worth $20,000 can’t be insured for $50,000. The insurance company is going to say that they don’t see the value.

The same thing happens with your life. You have a Human Life Value and the insurance company only allows you to insure it for what your replacement value is. So, when somebody comes to me and says that they can buy as much insurance as they want to, that is no true; you are limited. If all of a sudden you want to get insurance and you don’t have income or the assets to be able to prove that you have a certain value or if you don’t have the health that allows you to be able to qualify for it, all of a sudden there will be a “Road Closed Ahead”.

If I become disabled and I no longer have the money available to put in to the policy, wouldn’t it have been better if I had had a policy that had a waiver of premium benefit where if I was stuffing a policy with $10- $50,000 dollars a year, that upon my disability the insurance company would not only pay to keep the life insurance in affect, but that they were now required, on my behalf, to put in that $10- $50,000 a year?   If I have a 401K and I’m putting that amount of money in year after year after year and I become disabled, what happens? There is a “Road Closed Ahead”. No additional money is going to go in. No employer match is going to go in. The road has been closed. It’s the same thing with an IRA or a Roth IRA. You might be happy that you are putting in the maximum each and every year. That’s great! If you become disabled, guess what stops first. You no longer have the money and the resources to be able to do those things.

So, the question is: where do I put my safe money? Where do I put my money in the event that I want a safe place so if an emergency come about that I have the resources to be able to pull from? What about the possibilities in my life if a business opportunity comes my way? Where do I get those resources? Especially now as banks are tightening up; it’s harder to be able to get money. Wouldn’t it be nice to actually have an opportunity fund? Wouldn’t it be great to build one so you would have accessibility so you can take advantage of opportunities that come your way?

My experience has been that if you have cash opportunities will find you. Unfortunately, people have this crazy mindset. They are always looking for opportunities but they don’t have the money to be able to take advantage of them. So instead, wouldn’t it be nice if you could build your own individual banking system, your own individual bank? Banks aren’t just created overnight. You’ve got to be able to put money away and have it built on a tax-advantaged basis, and have it been wrapped in some sort of disability coverage so that in the event that you can’t, someone else will keep the road ahead open for those possibilities. Wouldn’t that be something that you want to take advantage of?

Here's the big deal; whole life insurance is paid for in money, paid for in cash, but it’s not purchased that way. Somebody came in to my office earlier this week and we discussed the life insurance asset, which I describe in great detail in my book: Investment’s Don’t Hug: Embracing the Life Insurance Asset. We discussed it in great detail and decided to apply to the insurance company for the maximum amount of coverage that they could possibly get. I said they don’t have to accept it, but let’s just apply for it. The insurance company is going determine what their Human Life Value is and then they make the decision. Let’s just say that the number was $3,000,000. Then they have a decision to make once the insurance company says yes, we will put ourselves on the hook. They can pick any number. They can pick $0 (you don’t have to buy anything at all and can change your mind). They can elect the full amount of $3,000,000 or any amount in between.

What I am suggesting is to not let the road be closed ahead. Take that step to see what your Human Life Value is. Take that step to find out how much the insurance company would be willing to insure you for. Wouldn’t that be what you would do with your house?  Wouldn’t that be what you would do with your car? Wouldn’t that be what you would do with your business? You never have to accept the full amount, but wouldn’t it be inspiring, wouldn’t it open up the possibilities to know what it is that you could actually apply for and then in addition to that to find out how much could you could push inside your life insurance policy using a section of the IRS code 77.02. How much could you push in to a whole life insurance policy to have the maximum amount of accumulation that you could use for your opportunities, or, if it happens, an emergency down the road?

Don’t wait. Don’t wait for the road to be closed. I’ve seen it too many times in my life where people waited and then the insurance company said No, and then the decision has been made for you. Do you want the decision to be made for you, or do you want to live your full potential today? And you can!

To find out just a little bit more on how the life insurance asset works go online to Amazon or Barnes & Nobles, and get my book. Use a highlighter. Use a pen. Make notes. Educate yourself. If you’re on the go, listen to my book on iTunes or Audible. It’s available there as well. Do it now. Don’t let the road close on the possibilities and on your future. If you’re ready, this is what we can do for you; we can help you apply for the maximum amount that the insurance company would offer. You don’t have to take it. Let’s just find out what that amount is and you can come back and say based on my comfort level or based on the possibilities I want in my life what amount you want and also what amount you want to push in to be able to maximize your Human Life Value. Explore our website at

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