Stocks or insurance

Whole Life Vs The Stock Market

Discover why your money is more secure with a whole life insurance policy vs the stock market, as well as why pensions were safe, but no longer are safe today.

 

Farming Without The Bank Proof

Seeing is Believing – Caution: Undeniable Proof That You Can Farm Without The Bank is in Here


“It’s a Scam!”

“Does it really work?”
“She’s hiding something, there has to be a catch.”

“If it was so good everyone would be doing it.”

“Everyone knows whole life is bad.”

This list could go on...

If you didn’t say it yourself, you may have heard someone else say it when you told them about Farming Without The Bank. It’s human nature to believe things are too good to be true.

Farming Without The Bank is a system based off the Infinite Banking concept that I believe in passionately! But it IS a mindset shift. That makes it difficult to believe in for people who don’t like change. People who say things like, “Well, that’s the way we’ve done it for 100 years…”

I don’t want you to be stuck in a 100-year-old system.

I want to help you take control of your farm’s financial operations using the most up-to-date strategies available and have liquidity, control, and guarantees with your money.

When you talk to folks about these new strategies and get negative feedback, consider the source. Is the person knocking whole life insurance a licensed insurance agent?

Is he knowledgeable about the insurance industry?

In most cases they are not, they are basing their judgments on hear say not facts..Do you need facts? I had a client ask 14 people about it and they all told him he was being lied to. It doesn’t work.

Then he asked his banker. His banker told him he’d be silly NOT to buy it. The banker could see the value with open eyes rather than preconceived notions others put in her head.

Let's take a look at 3 Examples.

In the first one you’ll see the illustration given to the client when they policy was purchased. Each example includes an inforce illustration, which is an updated illustration showing actual numbers today based on what the client paid since the inception of the policy.

The illustration is an important tool for projecting what will happen to the policy. We can compare the projection to what is actually happening today, by looking at an inforce illustration. Is the growth what they expected?


Inforce illustrations are a great way to show you that dividend paying whole life does what the company and I say it will do.

A couple of things to note when learning from these examples:

1. All premiums were paid as projected.

2. LOANS were TAKEN!

​3. Some loans have been paid back and some have not.

4. All policies are going into their 7th year.

If you’ve read my books or heard me speak, you’ve heard me say, “Loans do not affect your cash value growth because you borrow AGAINST it,” Now you can see it.

EXAMPLE 1

In the first example, a premium of $6,400/year has being paid. The guaranteed seven-year cash value projection is $9,031+$29,727=$38,758.

The Non-Guaranteed seven-year cash value projection is $43,111


Right below that is the inforce illustration from the day I wrote this blog post. Line one represents year seven - - today.

The Guaranteed side shows a cash value of: $11,602 +$29,727= $41,329

The Non-Guaranteed side shows a cash value of: $42,219

​Wow! The company is off a mere $1,100 on the non guaranteed side but up by $2,571 on the guaranteed side.

INFORCE ILLUSTRATION:

Why is the guaranteed side so much higher?


Because the guaranteed side is showing the projected value if dividends are not paid. However, that has not happened in 140 years. Dividends have been paid for over 140 years. Once dividends are paid to the non-guaranteed side, that dividend is “assumed” and moved over to the guaranteed, increasing the value.

EXAMPLE 2

The Guaranteed seven-year cash value projection is: $50,708 + $4,150 = $54,858.

The Non-Guaranteed seven-year cash value projection is: $62,576.


You may have noticed the low cash value in the early years of this policy. That is not typical, but due to health ratings for this client we had to put most of the money toward the death benefit. However, you can see the cash value still grows at a good rate and is very close to what was projected.

Shown below is the inforce illustration.
Line one represents year seven - today.

The Guaranteed side shows a cash value of: $55,617 + $4,150 = $59,767.

The Non-Guaranteed side shows a cash value of: $61,052.


INFORCE ILLUSTRATION:

EXAMPLE 3

The Guaranteed seven-year cash value projection is: $16,468 + $45,213= $61,681.

The Non-Guaranteed seven-year cash value projection is: $67,169.


The inforce illustration was saved on the day I wrote this blog post.
Line one represents year seven - today.

The Guaranteed side shows a cash value of: $19,660 +$45,213= $64,873.

Non-Guaranteed side shows a cash value of: $66,395.

INFORCE ILLUSTRATION:

After seeing these three examples you may be asking, why is the guaranteed side so much higher than projected? As stated above, the guaranteed side is showing the worst case scenario--a dividend never being paid. However, dividends ARE paid, increase the value, and once paid they are assumed and will not be taken away!


What is the big takeaway here?


WHAT THESE
EXAMPLES PROVE: 

If you put money into a tool that projects future cash value nearly exactly while leaving money LIQUID  without giving up CONTROL and with GUARANTEED cash values higher than they expected, this strategy cannot be denied! 


In each real-life example the policy owners took loans from the policy to do other things: buy a vacation home, take a long vacation, and buy equipment for their business.

It doesn’t matter what it’s used for! After all, the policy owner is in control!

Looking back at older policies confirms that even the market crash of 2009 did not harm the policy performance.

Traditional money management cannot do what we do here: offer liquidity, control, and guarantees along with discounted dollars to leave to your family upon your death. If you have land, there is no guarantee that land value will increase. You have to sell it to have the liquidity. (don’t forget to take off the fees for realtors and such).

If you have an investment such as an IRA there are NO guarantees or liquidity. Borrowing against an IRA affects the growth of your IRA. In addition, your IRA is not even worth what it shows on paper. You will pay taxes and/or penalties for withdrawal and lose the growth from the money that was removed.

Moral of the story: the next time someone suggests to you whole life insurance is a bad tool ask them to show you the proof of their money growth with liquidity, control, and guarantees.

Remember, if you’ve read my book - you are more of an expert on the matter than most “professionals” out there.  If you have read the book, t's time for us to meet. Message us on Facebook for the link to schedule. 

If you have NOT read the book, I hope this article clarifies a few of the details. The book will explain more about the strategy and our FREE 1-hour consultation will define the details and how this strategy would work in your operation. So - What are you waiting for?

As always, I appreciate your comments or questions!

Mary Jo

Mary Jo is proud to be a Certified Infinite Banking Practitioner helping family farms keep more of the profits, create financial systems, and bring financial clarity to an uncertain industry though correctly structured whole life insurance policies. 


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How To Prevent The Farm Family Break-Up


If life insurance will save the farm, what are the avoidable things that will ultimately kill it? Let’s take a closer look. This is based on conversations I’ve had with farm families and I give my perspective in this article.


Here’s the jist - Do you wish for your family to be a family after the operation is ‘settled’ or not?


Living Wills, irrevocable trusts, life insurance, corporations, and wills alone are not enough. Every farmer and farm family is proud of what they have built and how far they have come yet not one farm is immune from the devastation that could happen (and usually does happen) upon the death of the matriarch of the family.


Just when I think I’ve heard the worst story I could hear, another one comes my way. I’ve seen solid preparation being torn apart by greed and farms lost or broken due to estate sales or bad debt. I’ve written a bit about this before in my blog post Who are you building the farm and ranch operation for but I want to address it again from a bit of a different angle.


In the mentioned blog I visit about leaving death benefit and how it can benefit your heirs who are taking over. Today I want to address talking to your entire family and making plans known BEFORE you pass away! Time and time again I hear of families who no longer speak because the matriarchs did not want to talk about how the future of the operation would be handled upon their death or pass it on before their death. This leaves the heirs with no one to question but each other, and that leads to an ugly feud between them. The one they are truly mad at - the one with the answers is gone.


This has got to stop! Just STOP!


It doesn’t matter if your parents put you in that situation, or your grandparents put your parents in that situation and you “lived to tell the story” - It doesn’t have to be this way.


Operation Owners! You have got to start talking to your family while you are alive. Sustaining operations after a death is NOT an easy subject as emotions can flare, but you must address the subject. If your family is already on a rough road, it’s just that much more of a must. There are plenty of mentors out there that specialize in farm family counseling that can sit in as a third party.


You have worked so hard to build what you have from the farm to the family. Include your kids because in the end, no matter how much money there is or planning, it can all be torn apart because YOU didn’t take the time to sit down and speak your wishes. Let them be mad at you, shoulder the responsibility rather than breaking up the family.

Planning is important, but speaking up and having a family meeting with the ENTIRE family is a must.

Now, what if you are reading this and you are not the matriarch or patriarch but see nothing is being planned for, what do you do?

You too have a responsibility to do what you can to protect yourself. Your concern is from a financial state of how you will take over the operation when the time comes. As I have said before you need to take the responsibility to protect yourself if the matriarchs are not going to protect you.


In either case the first step should always be to call in that neutral party to help with the lines of communication. It’s not easy, I know first hand with my family. Passions (sometimes recognized as tempers) rise and we tend to blow up before we think about things. Bringing a mediator in is not a sign of weakness but a sign of love for your family and your farm. You wouldn’t try to fix a broken bone without a doctor so why would you try to solve issues without a mediator? Too many times we are concerned about what others will say if we ask for help but I ask you, what will others say if the farm is lost or family is torn apart because there was no help? People are going to talk either way, let them learn from you in a positive light.


Val Farmer is in our circle of trusted professionals. He’s been a farm family mediator through the 80’s and has worked with many farm families. The hardest part is calling Val. After that he will help with the rest.


Don’t allow your family and farm to fall apart after you are gone or after your parents are gone. Take the step needed NOW and call Val for help.


Mary Jo

Mary Jo is proud to be a Certified Infinite Banking Practitioner helping family farms keep more of the profits, create financial systems, and bring financial clarity to an uncertain industry though correctly structured whole life insurance policies. 


Need More Information? Use these books and learn what tool can take away the worry.


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Have the Ag Industry Publications & Associations Forgotten?


I took a couple days and did some research on how ag publications and organizations are talking about life insurance.


My initial thought was that I was going to run into a lot of suggestions to buy term and/or some sort of universal life product. Can you imagine my surprise when I found nothing of value?! I mean, nothing. I am reading things that pertain to farm business and nothing. I am reading articles that pertain to estate planning and there is a mere mention of life insurance like it’s not a real big deal.


Then I go on to visit with a farm mediator who works with a lot of estate planning cases. It’s one of the most frequent topics as you can imagine. I mention my discontent to this lack of information. He says, “You know it’s rarely talked about now in estate planning that I see,” he paused as to reminisce. “In the 80’s we talked about it all the time.”


What has happened since 1980 to make us completely forget about the benefits and necessity of life insurance? My only guess was that people could not afford the premiums during the horrible 80s, dropped it, and just never bothered to pick it up again causing the loss of information for the following generations.


Has the farm industry forgotten the farms that were saved during the 80s because they had life insurance as a part of the plan and those farms that were lost because they didn’t?


I have so many questions as to why life insurance as a part of farm business is not addressed. Of course, I am a life insurance agent and I work very hard to teach people the value of life insurance but let’s be honest, it’s pretty hard not to see the value. I do hear it from time to time, “Life insurance is a rip off and I’m not buying it.” Yet when I get done explaining how it works best for farm families and the life-changing, farm-saving benefits that it provides people - not only see the value - but say "I wish I would have been doing this for 20 years already." 




Let me repeat that last line. In fact, say this out loud:

Life insurance can literally be the difference between losing a farm or saving the farm from the bank or to other debtors.

It is the difference between a family feud and a family friendship upon the death of parents.


So, what should Ag Industry Publications and Associations be talking about?


  • What would cause you ignore the value when you can buy discounted dollars? Typically you are buying a dollar of death benefit for $0.20 - $0.50. Where else can you buy a dollar for .50 cents income tax free? This is very powerful and I wrote about it in my Generational Wealth blog post.

  • What value can Life Insurance provide for farm families? It may be that they simply don’t know about it or haven’t seen the value. That is totally understandable and it may be up to you as the follower of my blogs to take it to your local ag network and share it. I can’t do it all alone and need your help.

  • How can Life Insurance make or break the future of family farms?
  • Is there a strategy other than Life Insurance that can keep family farms in business after loss of a life?

  • Is Life Insurance a thing of the past? Life insurance is a lost industry because we have forgotten the value of it and because the average life insurance agent age is near retirement. Most people I talk to have never been asked if they have a policy and therefore don’t know anything about it let alone its life changing benefits.
  • Are farm operators putting themselves and their families in a position to take care of themselves financially even after they’ve passed?
  • What are the crippling debts that farm operators face upon death?
  • Are farm families able to cover the debt without the farm operator?

These questions need to be explored, 
both by the Ag Industry and you.

  • Are you covered?
  • Are you secure?
  • Are you ensuring the future of what you worked so hard to build?

If the answer is No to any of the above questions, that is scary to me. Please know that you have the ability to take care of your family and instead you choose not to. Instead we are setting up GoFundMe campaign accounts and asking others for help. Even if you can’t afford a whole life policy why not term? If you were alive today and needed money, would you setup your own GoFundMe account? If not, ask why it’s ok to have that last chance, non permanent, wished and hoped for monetary support after you are gone.


I challenge the Ag Industry to stop ignoring a major principal of business - long term planning. Better yet, I challenge them to answer "What would cause an entire industry devoted to helping the ag sector to be wiped from the chapters of education?"


Life Insurance, from the perspective of family farms, brings a value that can change the way so many things are done and handled. Don’t underestimate life insurance just because my blog or my Facebook page is the first time you've heard about it. I hope that thousands of family farmers start asking Ag networks why they are not sharing it.


Again, I appreciate you taking the time to read this and invite you to share any comments or questions with me. If you believe saving family farms is as important as I do, I'd be happy to have your help in sharing this information. Or a suggestions of who I can reach out to that may share this information in your local area. 



Mary Jo



Mary Jo is proud to be a Certified Infinite Banking Practitioner helping family farms keep more of the profits, create financial systems, and bring financial clarity to an uncertain industry though correctly structured whole life insurance policies. 


Need More Information? Use these books and learn what tool can take away the worry.


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What Most Spouses Aren’t Aware Of


Preparing to be a widow is not a topic anyone wants to talk about, much less think about. Yet, the one thing certain in life is that we will all pass on and leave loved ones to live without us.

Sometimes, I get to spend some one on one time with Nelson Nash, my mentor and the founder of Infinite Banking Concepts. He was telling me how he is preparing his wife to be a widow.



Now some of you are thinking - “How morbid?” But, as a life insurance agent and a wife - I had a positive response to his preparation ideas and reason.


He is doing this because he has seen so many wives end up as widows and have no idea what needs to be taken care of financially. In fact, family finance is one of the tasks that is typically done by one spouse or the other and not usually done "together". It's the one thing that spouses just let the other handle. 


Is this your situation? One person in the family takes care of the finances and the other has no idea what was going on financially. I have seen it take months for the widowed just to get into investment information. At a time when a spouse should be grieving they are stressed because they don’t know what bill to pay, where the life insurance documents are, or who to call for normal day to day things.


Until Nelson told me his story about preparing his wife, it never occurred to me to do this. In fact, I should be doing it with my own husband! He knows what needs to be done at home but instead of me making him do things, I just tell him, “If I die you better make two phone calls. You better call Wade and Mindy.”


We are not prepared for him to be a widower. I am not so sure I am prepared myself - I don’t even know how to use the darn snowblower and change it over to the mower deck. I know "big issues" but with the snow we're known for getting in North Dakota it could be a big issue. The bottom line is that I don’t want to rely on my neighbors to take care of me forever.


Please have those conversations with your spouse. Make him/her pay the bills for a few months so they know, include them in on bank conversations, and be sure to talk and share the stresses and numbers of the farm with them. So many times we are trying to protect them from the stress when in fact it may be far more stressful when they don’t have you around to ask.


Keep in mind, death may not be the only time this happens. I also see this alot when it comes time for an unexpected divorce on one side or the other. Instead of the spouse passing away, you are fighting about the finances because there was never conversations or someone is left with a lot of unknown debt.


In summary, know what is going on. Don’t stick your head in the sand and expect someone to take care of you just because you don’t want to know. It may be hard at first but as Nelson said, it took his wife three months and she had it all down. Like riding a bike….all takes time.


Mary Jo


Mary Jo is proud to be a Certified Infinite Banking Practitioner helping family farms keep more of the profits, create financial systems, and bring financial clarity to an uncertain industry though correctly structured whole life insurance policies. 


Need More Information? Use these books and learn what tool can take away the worry.


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How To Protect Yourself If Your Parents Aren’t Creating An Estate Plan

The topic of estate planning is on everyone’s mind, and in most cases, it’s the ghost in the room.

No one wants to recognize it out of fear. It doesn’t matter the situation. If you have a farm, a plan needs to be in place, and a plan requires “doing.”

Estate Plans are crucial for farms, businesses, and family operations. Estate Plans, when done correctly, consider many things and take time to create. This article is just about one of them, the other areas will be covered in a later blog post with attorneys. One of the ‘many things’ that is needed is life insurance and I know one thing well, and that is life insurance - and it is a good place to start.

The Reasons Plans Are Skipped

Upon death and transfer of an estate, there are expenses. Lots of expenses. And the one worrying about it is the one taking on the responsibility of your estate. Not all, but most cases I see the elder who is handing off the farm is stubborn and feels there is no need to address the expenses for several reasons.


One, it was never addressed for them, and they had to buy it.


Two, they don’t feel the need to leave anyone rich - thought is, “They should work just as hard as I had too.”


Three, there just isn’t enough money to pay an attorney to set things up. AKA, An estate plan that would save the family heartache and dollars.


Four, no one wants to disrupt the family dynamics and see anyone hurt….waiting until death just eliminates the elder from the confrontation. It’s the ultimate nasty, last minute gift of procrastination.


Estate plans are a topic of every new conversation I have, regardless of age. If you have a take-over or farming-with scenario, there needs to be a plan. Again, with most cases of young farmers, I visit with there is no WRITTEN plan. It’s an “I think I can” moment. Most feel positive they are going to get the operation or are going to be able to buy it from either the elders or the siblings.

From Experience

With hundreds of farm clients all around the country, I have seen it all.


I have seen plans go wrong and I have seen good families turn into vultures. Two things I have learned is even if there is not a plan the one taking over had better plan if the elders didn’t, and even if the elders did plan there still better be an option for cash in case it all goes south.


Two Options:

If there is no plan, the inheritor should have a takeover plan in place. Consider the expenses.


If there is a plan, create an option for cash if the plan goes south.

Where to Start with a Family Farm Estate Plan

Life insurance is the plan that can help prepare for every situation.


If the elders have a plan, great!


Life insurance needs to be part of that plan. Here are just a few examples of why.

1. The life insurance death benefit will provide an inheritance for the kids off the farm.

2. The death benefit will provide cash for the one taking over to buy out the siblings or use for operating now that they inherited more expenses.


If the elders do NOT have an estate plan, life insurance still needs to be part of a plan. In this case, the one taking over NEEDS to protect themselves from unknowns. Having some life insurance on the elders is critical for this. When the elder passes the death benefit money can be used to buy out siblings, pay estate expenses, or used for operating expenses.

The death benefit may be what determines if that family farm stays in the family.

This last scenario is the one I see most of and it may seem cold but I don’t really care about how nice and wonderful your family is NOW. I care about protecting your family farm and no one knows what will happen until the worst happens. We will plan or at least talk about worst case scenario and how to best prepare for that.


It is always better to be prepared then to wish you were.


Are you the one worried about taking over? Are you the one tired of asking if there is a plan? Are you the one hoping and praying the plan gets done?

If you answered yes to any of the above questions -


STOP relying on them.


START relying on yourself.


Take the bull by the horns and protect yourself. Do the best you can, something is better than nothing. I do a lot of policies on parents or partners and the death benefit is not enough to cover everything but they will have something more than had they not taken action.

One Last Thought

I bet you have worked that farm for many years and helped build it to where it is today. Why aren’t you protecting your work? If the elders won’t do it then do it yourself. Life insurance death benefit is the best way to do that. You are able to pay $0.40-0.70 for every dollar of death benefit. Where else can you go to get discounted dollars to buy the farm? <<Read The Article>>


Open your thoughts and be sure you are prepared if no one else wants to prepare.


You will find more on this in my book, Farming Without the Bank, but I do not go into great detail….it may require it’s own book! If you have not grabbed the book do so now, waiting to get started will just cost you more. Now as in today or this minute - is important in this scenario. I wish you wealthy farming!

Mary Jo





Mary Jo is proud to be a Certified Infinite Banking Practitioner helping family farms keep more of the profits, create financial systems, and bring financial clarity to an uncertain industry though correctly structured whole life insurance policies. 


Need More Information? Use these books and learn what tool can take away the worry.


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Comparing The Stability of Banks and Insurance Companies


What do you think?

When something new and out of the ordinary is introduced there is one of two reactions. It’s either accepted or hated and from both ends come the very same questions.


“How secure is the life insurance company?” is an important question. It comes from the conditioned thinking that we talk about in the first chapter of Farming Without The Bank and Wealth WIthout The Bank or Wall STreet. The question originates from the fact that we don’t hear much about life insurance companies or even know much about them. You have probably never heard of the companies that I use and I’m ok with that.


If you’re thinking, “I never really thought of a life insurance company as a place to store and create wealth.” then you’re not alone. The information, case studies, and real examples in my books are based on hard-working American’s who came from the same place as you did. I want you to be aware of another option that doesn’t have the risk and has proven itself safe over time.

Here’s why the life insurance companies that I use for my client’s policies are safe and secure:


What people don’t understand is that a large percentage of the mutual companies that exist today have been around for more than 100 years. One company I work with has been around for 140 years as of 2016 - so when I say over hundred I mean well over a hundred. Again, have you heard of them before your ran into me? They are not table conversation like the stock market or banks, but we do have to look at the history of these institutions. No one wants to put money into a system that is going to leave them broke, right? That is why I left the stock market!


Many people feel the banks are safe because they are FDIC insured and ask me , “What kind of insurance does the life insurance company have?” Here's the answer: 


The August 2015 edition of the LMR, L. Carlos Lara said it best in his article A Closer Look at Commercial Banks:

The life insurance sector is completely different from the commercial banking system and Wall Street. Fixed within life insurance policies are long-term, intangible financial promises not found in any other form of financial product. In effect, life insurance companies are obligated to fulfill their promises as written in their contracts now, or 65 years from now. In fact, no other financial product contains guarantees and options

of such potentially long durations as those found in life insurers. Obviously, a lot can happen to the financial strength of the entity that supports these promises over such a long period of time. Consequently, the financial strength and integrity of a life insurance company are more indispensable to its customers than is true of most other firms.

Like commercial banks and the securities industry,the life insurance industry is among the most heavily regulated sectors in operation today. However, unlike the commercial banks and investment banks, which are regulated by the federal government, the individual state governments oversee the insurance industry and they are the ones that provide the rules and requirements on how companies should manage their finances and the products they sell. Although we have 50 states in the union, these insurance regulations, for the most part, are harmoniously similar.

When a life company experiences financial difficulty, state regulators take a very active role in its rehabilitation or in selling off the company to financially stronger competitors to make sure all insurer promises are fulfilled. In addition, “State Guarantee Associations, support payment of policyholder benefits of financially impaired insurers. In recent insolvencies, 100 percent of death benefits and 90 percent of policyholder benefits have been covered in full. Even in the case of the famous financial impairment a of AIG, it is important to recognize that its financial difficulty was neither precipitated by nor related to its mainstream insurance operations.

At the time I wrote this article, we were hearing and feeling the strain of banks closing their doors in Cyprus and even Greece within the last few years. Completely, closed and it was the headline for weeks! This same thing happened in the United States in 1930 when we had “banking holidays.” In 2008, we saw 1,200 commercial banks slip into financial trouble and people tried to get their money out. What depositors found is it was not possible to get their money as the bank did not have the funds on hand. The FDIC went $9 billion in debt and the U.S. Treasury had to loan them money to make depositors whole.


So, people did get their deposits, but there’s a bigger problem.


The stickers on every empty wall and information on our bank statements says that the FDIC is there to insure you and make you whole should there be a run on the banks, but the FDIC only has 18% of the reserves they need to make everyone whole.


In 2008, during this same period of financial crisis, only one life insurance company became insolvent according to the National Organization of Life & Health Insurance Guaranty Associations. Unlike the 1,200 commercial banks and their depositors who have a “back-up” of less than 20% of total deposits, each state has a guarantee fund set up for insureds should a company licensed in their state become insolvent. The typical guarantee is $300,000 death benefit and $100,000 cash value protection. If you’re interested in learning more about the guarantee limits, contact your state’s insurance department.


Do you see the huge difference in crisis rates? You can also bank on the fact that life insurance is two centuries old and according to the books, mutual companies are being managed very well. But again, they have to be because unlike commercial banks, no one is there backing them up like the FDIC and the U.S. Treasury has no inherent need to print money to bail insurance companies out.


Here’s another question to ask yourself:

Which is more stable? 140 Years and no bankruptcies 

or 83 years of experience and more than one "troubled" time?

Would you rather own a business with a private individual that has 140 years of individual history or a business that has 83 yrs of history and went broke and had to borrow money?


Not one company or farm is exempt from failure, but it is possible to mitigate the chances and I’ll take my chances with the guys that haven’t failed for 140 years.


Hope this has helped eliminate the worry and clear up some safety concerns for you. You can always bury a coffee can in your yard, but that too comes at a price of lost opportunity cost.


As always, please leave your comments or feel free to call me with questions. If you’ve read my books and are ready to take the worry out of your financial future, let’s schedule our first conversation.

-Mary Jo

Mary Jo is proud to be a Certified Infinite Banking Practitioner helping family farms keep more of the profits, create financial systems, and bring financial clarity to an uncertain industry though correctly structured whole life insurance policies. 


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