BOOST YOUR REAL ESTATE

GAINS BY BEING YOUR BANK

 CHANGE YOUR THINKING

We all know that real estate investments are not

foolproof, so how can you offset the risk? We want to
show you a proven method of growing wealth used by
individuals, banks, and corporations. Their secret is having
comprehensive investment strategies, made up of diverse
financial products that support each other—and we can help
you do the same.

THINK
LIKE A BANK

2 © Paradigm Life. All rights reserved.

 MULTIPLE STREAMS OF CASH FLOW

Let’s look at the public sector for examples—banks and

corporations. These organizations usually have several
streams of cash flow, ranging from their core strategies to
joint ventures, investments (like stocks and bonds), and real
estate holdings (industrial, commercial, and residential). So,
what happens in an economic downturn? The protected and
well-rounded people and organizations survive; they are
diversified, and that becomes crucial.

In recent years, a smart diversification method has emerged

among the wealthy. This strategy provides significant
benefits to the bottom-line of banks and corporations and
has proven itself profitable for individuals, even during
difficult times. What’s at the core of that strategy?

HOW BANKS & CORPORATIONS DIVERSIFY

BANKS &
CORPORATIONS

+ + + +
RESIDENTIAL INDUSTRIAL
INSURANCE REAL BONDS COMMERCIAL
REAL ESTATE ESTATE REAL ESTATE

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 R 115 R 107 R 196
G 169 G 162 G 161
B 80 B 185 B 28

Permanent life insurance is one of the most misunderstood

financial products, yet has sparked the attention of pop-
culture financial media for significant reasons. Let’s explore
why so many corporations and banks value this asset
enough that they hold tens of billions of dollars of it. (They
would likely invest even more if they could—the FDIC
regulates a cap on the amount of insurance they are allowed
to hold.)

Banks and corporations recognize that life insurance is TERRA

not necessarily “death insurance” but truly life insurance. INSU
They know how to use life insurance for its lucrative living
benefits. This is not usually how life insurance is presented
and sold to individuals; which is why there’s such a
disconnect about the topic.

VS
TERM
INSURANCE
PERMANENT
INSURANCE

DEATH
LIFE IN
INSURANCE SURANCE

DEATH BENEFIT ONLY LIVING BENEFITS

FINANCIAL
ANCI L
TOOLS
TOO
FLEXIBLE
FINANCIAL TOOLS

PROVIDES NO FINANCIAL TOOLS PROVIDES GREAT TOOLS

4 © Paradigm Life. All rights reserved.

 TSEURRAM
NCE
IN

LIVING BENEFITS OF
PERMANENT LIFE INSURANCE
LIQUIDITY SAFETY Baby
CO

You can enhance the benefits you receive by learning how

75
of th
to use permanent life insurance wisely—taking advantage in A

of the most valuable investment traits; Liquidity, Safety, Tax

Benefits, and Rate of Return.

R AT E O F
TAX BENEFITS RETURN
MOST VALUABLE
PERMANENT LIFE INSURANCE TRAITS

LIQUIDITY SAFETY

R AT E O F
TAX BENEFITS RETURN

KEY TAKE AWAY

Putting all of your investment into real estate is a

risky business. Consider permanent life insurance
and apply these traits to your strategy—Liquidity,
Safety, Tax Benefits, and Rate of Return.

5 © Paradigm Life. All rights reserved.

 LIQUIDITY SAFETY

LIQUIDITY
It turns out that there’s another big
R AT E Oreason
F why banks
andTAX BENEFITS
corporations purchase tensRETURN
of billions of dollars in
permanent life insurance—keeping your money liquid
and accessible as cash is an advantage. With careful
modification, banks, corporations, and individuals can
access all of the premiums they’ve paid into the policy as
cash value. In these cases, if you are the policy owner, the
cash value is 100% liquid to you.

But buyer beware—Without this special modification a

permanent life insurance policy can take up to 16 years
before all of the paid premiums are available as cash value.
This detail is what gives permanent life insurance a bad
reputation for not being a viable and affordable savings
vehicle. Only a few qualified people in the country know
how to properly apply the modification to enhance the
cash value.

! ! BEWARE ! ! ! !
If you get the wrong policy
it can take up to 16 years
16 before premiums are 16
YEARS available as cash value. YEARS

KEY TAKE AWAY

An investment vehicle that has ideal liquidity, safety,

and rate of return is the best bet. Make sure your
financial partner knows how to modify the policy so
you can use the cash value.

6 © Paradigm Life. All rights reserved.

 LIQUIDITY SAFETY

SAFETY
Your money
R AT E Ocan’t
F work for you if it isn’t protected.
TAX BENEFITS RETURN
Sometimes market forces work against you, and we’ve
learned how hard it is to get out of the way of a falling
market; in fact, it can be darn-near impossible.

Permanent life insurance offers serious safety. Because the

insurance industry is much more stringent with regulation
and self-regulation than even the banking industry, it beats
even the safety of, say, a law firm’s trust account. And the
cash value that you build up is not directly invested in the
stock market—which allows you to win the rewards of a
strong market without the risk during a down market.

PE
RM
INS AN
ENT
URA LF
PERMANENT LIFE INSURANCE NCIE E

OFFERS SAFETY IN FALLING MARKETS

FALLING MARKET FALLING MARKET

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 LIQUIDITY

R AT E O F
TAX BENEFITS RETURN

TAX BENEFITS
We’ve all heard, “Nothing is certain but death and taxes.”
However, that isn’t exactly true when you’re talking about
permanent life insurance. The rate of return you receive
from the cash value and the subsequent dividend payment
accumulates on a tax-deferred basis, and if done correctly
can be tax free!

ONE

YOUR
IF D

GOAL TAX
WE WANT TO HELP YOU UNDERSTAND
THESE ADDITIONAL BENEFITS:
• Death benefit circumvents • Pension maximization
probate • Smooth estate transfer
• Cash value protected from • The Family Banking Concept
creditors
• Supplemental or sole
• Ability to leverage both the retirement vehicle
cash value and the death
benefit • Ideal charitable vehicle

8 © Paradigm Life. All rights reserved.

 LIQUIDITY SAFETY

R AT E O F
TAX BENEFITS RETURN

RATE OF RETURN
Can you imagine a life insurance option with the ability
to earn a rate of return on the cash value you have
accumulated? It’s one of the least known attributes of
PR
permanent life insurance—and as the policy owner, you’re in
O FITS
control.
P RMutual insurance
How does it work? Let’s explore.
O F I T S but by the
companies are not owned by shareholders,
policy owners. At the end of the year, the profits come
directly back to you—the policyholder. It’s an unbelievably
simple way to earn dividends while retaining liquidity with a
consistent and guaranteed growth.

IVIDENDS
D

KEY TAKE AWAY

Your permanent life insurance should be providing

you with consistent and guaranteed growth.

9 © Paradigm Life. All rights reserved.

 THE BANKING CONCEPT

You can implement the vehicle-of-choice used by banks

and adopt their principles in leveraging cash value; the
investment model that is proven to work so well.

You know the pain of paying interest. You also know that
paying in cash for everyday items like cars, vacations,
furniture, and more takes your money out of circulation,
and you aren’t earning interest. Some families we work with
would have spent up to a million dollars raising their children
if they hadn’t used our model.

USING THE “BANK OF YOU” TO INCREASE INCOME

AYMENTS
P
YOU
BANK OF YOU
PERMANENT LIFE INSURANCE

LO
ANS

FIVE UNCONVENTIONAL IDEAS OR PRINCIPLES THAT HELP YOU BE

YOUR OWN BANK:

1. Don’t put all of your money in the stock market.

2. Put cash into your whole life policy and use it as a vehicle for your
savings.

3. Borrow from your policy, i.e. yourself, for major life purchases.

4. Pay yourself back and recapture the interest.

5. Pass your money and your strategy to future generations by teaching

your family these concepts.

10 © Paradigm Life. All rights reserved.

 THE BANKING CONCEPT

We hope you’re starting to see the potential for one of

the oldest of financial products to have viable application
in our modern world—when you’re leveraging all of the
characteristics. Remember, there is no such thing as a risky
investment; only a risky investor. What separates you from
risky investors is your knowledge. We want to help you learn
to use cash value similarly to how banks and corporations
do, as an asset that you own and control.

We want you to avoid using credit cards or bank loans to

make purchases. More powerfully, we want to teach you
how to recoup the lost opportunity cost associated with
spending money rather than investing it. Over the course of
a lifetime, this approach could potentially put millions back
in your pocket!

KEY TAKE AWAY

Banks have proven that one of the oldest financial

products, permanent life insurance, can be the ideal
financial product if you have the knowledge to
leverage the right characteristics. We can teach you
their strategy.

11 © Paradigm Life. All rights reserved.

 MAXIMIZING YOUR POTENTIAL

Think of it this way . . . even when you invest in real estate,

you need capital. Either you borrow the capital from a
bank that charges you interest, or you use cash and lose
additional earning potential. We know how to solve both of
these problems with one strategy—and we want to tell you
about it.

Permanent life insurance with high cash value is the best way
to do that. Just ask successful investors like Dolf De Roos,
who has said that permanent life insurance with high cash
value is the ideal vehicle for real estate investors, because it
is the most similar financial product to real estate. We can
help you use both in a symbiotic strategy to support each
other fully.

Email or call us today for your no-obligation 30-minute

consultation to show you what a permanent life insurance
plan can do for your financial future.

NO-OBLIGATION
30-MINUTE CONSULTATION

WWW.PARADIGMLIFE.NET 1-855-801-6306 INFO@PARADIGMLIFE.NET

Due to the many insurance products sold, Paradigm Life® makes no representation as to the actual tax status of the PUA rider, insurance, and benefits received or any
premiums paid. Neither Paradigm Life® nor its representatives give legal or tax advice or interpretation. Please contact your legal or tax advisor for such advice. As a
result of the important nature of financial decisions, you are urged to visit www.paradigmlife.net to review a full list of disclosures pertaining to our products and services.
Copyright © 2016 Paradigm Life®.

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