Scott Bucher (ScottEB) MA, SVP Risk & Asset Mgt.

Grow and Protect Income, Grow and Protect Assets! 

Life Insurance is a substitute for the money you don't have; when you have a lot of money, you don't need Life Insurance. The life insurance industry's pitch has always been, "Your needs are permanent", and you need some form of "permanent" Cash Value Life Insurance: Whole Life, Universal Life, Variable Life, Flexible Premium-Adjustable Life, and now- it's Fixed Index Universal Life... but it's not true! Cash Value Life Insurance is a rip-off no matter how you look at it! Therefore, there are just three questions you need to ask:

 1. What does my family get if I die? 

 2. What do I get if I live?

 3. What is my cost?

That's it! ​It's a super simple concept and I can educate you in 12 minutes or less! Out of pure greed, they have deliberately complicated this simple solution! In fact, it's so bad that the millions and millions of people who own Whole Life, Univ. Life, Variable Life, or Index Univ. Life (or have owned it)- cannot even begin to explain how it works! Do you ever wonder why that is? Nobody wants to talk about Life Insurance because they're too embarrassed to have been down that road and still be unable to explain it! This, my friend, was by design! Any dumb dumb can get an insurance license- when you fully understand what they've been doing the last 150 years, and especially the last 20 years- you'll realize they robbed policy holders blind! 

Contrary to what the overwhelming majority of life insurance agents, marketing organizations, and companies advocating Whole Life, Universal Life, Index Universal Life... buying low cost/high value renewable Term Life Insurance... and Investing the difference you save separately (in fixed index annuity) always beats cash value life insurance hands down!  I can show you how in 12 Minutes and YOU can decide for yourself.

The Scam

With Whole Life you pay a level premium for a level death benefit to age 100. You're paying for two things: cash accumulation, AND death protection- but you, your family, or business only get one or the other (Universal Life and IUL costs less-because it expires or lapses without value at 75!). You can access Cash Value ONLY by Surrendering the Contract- thereby canceling your death protection; OR you may Take a Loan against the cash values- which reduces the death benefit by the amount of the loan- plus interest! Cash Value Lifers say, "If you buy it when you're young- the cost never goes up!" Its a LIE. The cost always goes up! For example, if you pay $100 a month for $100,000 Whole Life for twenty years and take a policy loan to access your cash value (at 7%) - you now pay $100 a month plus 7% interest on the loan... and the death benefit is reduced by the loan amount taken- plus interest! What has happened to the cost? IT skyrockets! If you die without paying the loan back, the loan plus interest is subtracted from what your beneficiaries receive! Can you believe that?  It's a FACT!  You'd be better off buying a solid 20- or 30-year term policy and investing the difference in your own business, or tax free in a Roth 401 (Solo K)!!

In reality, our needs for Life Insurance Decrease over time...

By buying term life insurance and investing in a separate vehicle, you pay for two things... and get TWO THINGS! You get the maximum life insurance for your premium dollar, and have an opportunity for a better return, tax advantages, and you control BOTH- not one or the other.

Compare the below structured decreasing term strategy versus paying $200 a month for a 150k Whole Life Policy over 30 years! It pays a 1M Death Benefit saving $900 a year for the 1st 10 years (9k), $500,000 DB for the next 10 years, saving $1300 a year for the next 10 years (13k) and $150,000 DB the last 10 years saving $1900 a year for the next 10yrs (19k)! "Invested at 7% separately, that is worth over $110,000 in 30 years!!! At age 100, its $524,898 when a crappy 150k Whole Life Policy is worth only $150k at age 100! 

This IS LIFE CHANGING!  (602-344-9012, 575-254-4035, 614-494-0220, 317-245-8058, 517-2481-6935) 30-second quote, 6 Minutes to pre-qualify.

We can help you analyze your needs, illustrate the best possible custom solution (you be the sole judge)- and even implement the plan in 12 minutes or less. Its super simple, not rocket science like 'they' want you to believe it is. Give a me a call and educate yourself at 602-344-9012, 575-254-4035 or shoot me an email:  sb@loganhuntergroup.com

-Scott E. Bucher 

About Scott:

Scott brings 30 years of professional Sales/Consulting/Training/Development experience in financial product sales, sales management, and entrepreneurial development. He holds a BA in Education from UNM, and a master's degree in management from American Military University. His four and a half years with the Tom Hopkins Sales/Mgt. Training Organization and 30 years helping others succeed financially/professionally provides a trove of knowledge transfer opportunities to clients, professionals, and entrepreneurs alike! 
Get a Quote

Call to reserve your 12-minute Power Brief and Free 30-second Quote today!  602-344-9012 or by email: sb@loganhuntergroup.com