The Life Insurance Journey

A generic Google search will tell you that the life insurance journey begins with a binding agreement between a policyholder and an insurance company, in which the latter pledges to pay money to a deemed beneficiary when the policyholder dies. Furthermore, the policyholder pays a premium to the insurer beforehand.

Those web search results are true but do not divulge the other astronomical benefits of a life insurance policy. Factum Financial will fill in those missing blanks for you. We provide wisdom, wealth, and legacy for individuals, families, and business owners.

This article will explain the life insurance journey that we provide before, during and after you purchase our policies.

Before Life Insurance

Traditional life insurance policies grant financial security for people of all walks of life. If you have substantial debt, loved ones, business partners or a mortgage, you should have life insurance. Why? Because a life insurance policy can offer more than a death benefit to your beneficiaries. It also delivers cash value to policyholders.

Factum Financial will guide you through how to obtain wealth accumulation, asset protection and value increases. We are committed to providing you with a plan that suits your needs. A plan that includes earnings that exceed typical income resources. The advisers at Factum Financial specialize in creating insurance policies that maximize your cash value.

We would be thrilled to show you a breakdown of your financial options and what the expected results would be. We strive to educate customers about the Infinite Banking Concept (IBC), which is the mindset of building a personal bank that finances all of your life goals. Learn how you can put a life insurance policy to work for you.

Factum Financial has expertise in advising customers on lucrative retirement, cash management and debt reduction. The total amount of consumer debt in the United States in June 2018 was $3.9 trillion. School debt was calculated as more than $1.5 trillion and car loans totaled over $1.1 trillion. These costs are essential to our daily lives.

Debt affects everyone, and you should not ignore it. You should battle it head-on with our backing. Factum Financial is a leader in the financial market for quality care and helpful resources. Our approach to building your wealth begins with education. Your life insurance journey requires a captain to steer you through financial waters. We want to be your captain.

Our aid will solve deficiencies, protect your assets and increase your wealth to ensure a long legacy. Our services will align with the goals that you want to accomplish. Being cautious about finances is common, and we understand the skepticism. We work diligently to increase our customers’ financial confidence.

During Life Insurance

Once you have acquired a life insurance policy with Factum Financial, you will recognize four of the wealth-building benefits that it provides. First, the earnings from your account are tax-deferred. The cash value proceeds are not taxed until you make a withdrawal.

Second, you are able to borrow from the cash value of your policy without incurring penalties or taxes. This is very advantageous for expenses related to a new home, college tuition, and emergencies. Most retirement plans and stock market investments do not allow this benefit. If you fail to repay the loan, the money is subtracted from your death benefit.

Third, life insurance policy assets are not subject to lawsuits. In today’s litigious society, prosperous individuals and business owners are often targets. However, annuities and universal life products supply you with asset protection through your life insurance journey.

Fourth, the balance of your cash value is exempt from college financial aid qualifications. Many colleges and universities offer Free Application for Federal Student Aid (FAFSA), which does not count home equity, specific retirement assets, annuities, or the cash value of your life insurance policy. The aforementioned are only four of the advantages of a Factum Financial product.

We are a different company among our peers due to our quest to show you how to use your life insurance policy now. Factum Financial knows how to make your retirement products maximize your lifestyle before you even retire. The cash value of your policy bestows a guaranteed minimum return rate. When you need to borrow from the cash value of your policy, it will still continue to earn dividends.

You will also receive an annual dividend based on profits of the insurance company. This dividend is a tax-exempt premium overpayment. We provide all of the financial tools that you need to be successful on your life insurance journey.

After Life Insurance

Let’s revisit the Infinite Banking Concept. R. Nelson Nash, the concepts creator, touts IBC as “becoming your own banker.” So, what does that mean? It means eradicating your debt, minimizing your interest payments, and learning how to bank on yourself. This is where we excel.

Factum Financial operates ahead of its competitors by assisting you after you buy life insurance. Our job does not stop when you sign on the dotted line. We continue to support you and your portfolio as your family, business, and life grow through the life insurance journey. A life insurance policy with us is an investment in yourself and everything around you. Establishing generational wealth for our clients is a strength of ours.

Factum Financial is a spirited, imaginative firm that enjoys servicing young families, new homeowners, small businesses, and large corporations. There will be some financial ups and downs throughout the process, but you are never alone. Your self-investment is our self-investment.

We are in the business of protecting you while also providing financial intelligence that will maximize your cash flow. Upon gaining the financial wisdom and value that we can bring to you, we are certain that you will be able to pass that thought leadership on to your peers. Excitement is contagious, and we have plenty of it to offer.

If you are close to the retirement stage, you should focus on growth rather than income. Our income-based strategies will stabilize your retirement in a more rewarding manner. Don’t fall into the conventional Wall Street trap of uncertainty. Bank on yourself with our proven methods that will stand up to any economic climate.

We roll out the same plans that over 90 percent of wealthy banks use for their liquid assets. Our methods work successfully and allow you to take control of your capital and your future. Factum Financial is a solid institution in its know-how, but also daring in its ideals for fiscal success.

We believe that everyone has a valuable legacy to leave behind for their loved ones and industry peers.

However, many people do not know how to effectively pass it on to their descendants. Close to 70 percent of American families do not have a will or an asset distribution plan in place. Factum Financial will prepare you and your loved ones for such an occurrence. Whether your objective is to build your assets, increase your cash flow or decrease taxation, we can substantiate your long-term growth.

Are you ready to break away from conventional financial modes that risk your money? Do you desire to regain control of your finances? With our personal guidance, you can stabilize your liquidity and safeguard your legacy. Take immediate steps now to secure your financial freedom.

Contact one of our wealth strategists at Factum Financial today at 480-525-8180 or visit our website,, so we can jump-start your life insurance journey for generations to come.

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