#Kristin Colca

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Key Insights: 00:00 Introduction 01:06 How Whole Life Policy Loans Work 02:13 Borrowing from your cash value 04:06 What’s available to borrow 06:03 Pay back terms 09:30 What sort of items can be self-financed 12:06 How does it all work for a 100-Year Real Estate Investor 14:55 Summing up

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Why ride the roller coaster of volatility when there is an alternative that can offer you guaranteed returns year over year and access to your cash income tax free?

Key insights: 00:00 Introduction 01:03 Taking volatility into account 01:38 Interest rates’ dynamics 03:24 How to calculate Average and Actual Rate of Return 06:15 Factoring-in expense fees 07:46 Disguising the historic volatility

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Kristin shows a real life example of average and actual rates of return using the S&P 500, and shows that taxes and fees can further deteriorate the return you think you’re receiving.

Why ride the roller coaster of volatility when there is an alternative that can offer you guaranteed returns year over year and access to your cash income tax free?

Key insights: 00:00 Introduction 01:03 Taking volatility into account 01:38 Interest rates’ dynamics 03:24 How to calculate Average and Actual Rate of Return 06:15 Factoring-in expense fees 07:46 Disguising the historic volatility

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In this webinar, we talk with Kristin Colca, a 100 Year REI Professional about two types of business insurance that real estate investors need: Buy/Sell Agreements and Keyman Insurance. We also talk about the reasons you may consider purchasing a policy on your spouse, children, or even your parents. 

Key Insights From This Episode: 

– Buy/Sell Agreements allow you to buy out the beneficiary interest in the business using life insurance proceeds. – Keyman insurance protects your business from loss resulting from the death of an employee who would be costly to replace. – Insuring your spouse, even if they are not the breadwinner in your household, is an important way to protect your family.  

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Her passion for helping her clients attain financial freedom has led her to specialize in designing whole life insurance solutions for real estate investors and entrepreneurs. She is able to connect with their ‘outside the box’ thinking around money to create unique solutions that meet their objectives.

Key Insights: 00:00 Introduction 01:06 How Whole Life Policy Loans Work 02:13 Borrowing from your cash value 04:06 What’s available to borrow 06:03 Pay back terms 09:30 What sort of items can be self-financed 12:06 How does it all work for a 100-Year Real Estate Investor 14:55 Summing up

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Key Insights:

00:00 Introduction

00:40 100 Year REI Policy Design: A Sneak Peek

01:42 Mutual vs. stock owned companies

03:08 Financial stability of a company

04:42 Direct vs. non-direct companies

07:02 The 100 Year REI Wheelbarrow design

09:30 Tailor-made solutions made just for you

11:01 How are 100 Year policies different: Case in point

12:55 Wrap up

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When most of us think about purchasing life insurance, it centers around protecting our loved ones from being financially burdened if something were to happen to us. But, there’s much more to consider for those of us that are investing in real estate, either with a partner, with key employees, or even have family members that will eventually inherit our real estate holdings. In these cases, it could make sense to purchase a life insurance policy on another person.

In this webinar, we talk with Kristin Colca, a 100 Year REI Professional about two types of business insurance that real estate investors need: Buy/Sell Agreements and Keyman Insurance. We also talk about the reasons you may consider purchasing a policy on your spouse, children, or even your parents. 

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Key Insights:

00:00 Introduction

00:40 100 Year REI Policy Design: A Sneak Peek

01:42 Mutual vs. stock owned companies

03:08 Financial stability of a company

04:42 Direct vs. non-direct companies

07:02 The 100 Year REI Wheelbarrow design

09:30 Tailor-made solutions made just for you

11:01 How are 100 Year policies different: Case in point

12:55 Wrap up

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Through her radio show, Living Wealthy Radio, she is able to share her passion for learning the real truth about how money works with others. She has counseled thousands of ordinary Americans across the nation, helping them avoid exposing their wealth to eroding factors,

Using the unique cornerstone of Bank On Yourself, Teresa enables clients to take charge of their own money. Through proven and time-tested safe money strategies, Teresa and her team provide creative solutions that enable clients to remain financially sound through every life event.

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In this special-episode, 100 Year’s Kristin Colca presents a case study on comparing saving money in a traditional savings account at the bank versus using a whole life insurance policy as a savings vehicle.  Kristin highlights the key differences and explains how a 100 Year policy is a win-win for real estate investors.

Key Takeaways:

✔ With a whole life insurance policy, you can borrow against 85-90% of its cash value within the first month.

✔ Your compounding isn’t interrupted when you borrow against the cash value.

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Her passion for helping her clients attain financial freedom has led her to specialize in designing whole life insurance solutions for real estate investors and entrepreneurs. She is able to connect with their ‘outside the box’ thinking around money to create unique solutions that meet their objectives.

[certaincollections]

Using the unique cornerstone of Bank On Yourself, Teresa enables clients to take charge of their own money. Through proven and time-tested safe money strategies, Teresa and her team provide creative solutions that enable clients to remain financially sound through every life event.

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Key Insights From This Episode: 

– Buy/Sell Agreements allow you to buy out the beneficiary interest in the business using life insurance proceeds. – Keyman insurance protects your business from loss resulting from the death of an employee who would be costly to replace. – Insuring your spouse, even if they are not the breadwinner in your household, is an important way to protect your family.  

– A policy on your kids can help you teach your children financial responsibility at a young age, by using their policies to finance their first car, pay for education expenses, or invest their first real estate deal.  - A policy on your parents: If your parents do not have policies of their own, owning a policy on them could help you with the future financial burden of medical expenses or end of life expenses.

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Using the unique cornerstone of Bank On Yourself, Teresa enables clients to take charge of their own money. Through proven and time-tested safe money strategies, Teresa and her team provide creative solutions that enable clients to remain financially sound through every life event.

Insights: 00:00 Introduction 01: 06 The force behind ‘100 Year Real Estate Investor’ 02:30 Why ‘long-term’ approach matters 05:05 Top mistakes investors make 09:33 Why ‘Whole Life Insurance’ – how does it help? 12:44 Is it a bad investment? 14:30 How do these specially-designed policies work? 17:42 How can it be used for different purposes? 21:12 Buying a Whole Life Policy is like starting a business 26:36 How are these Policies taxed? 28:58 What are the potential pitfalls? 33:36 Successful people adopt innovative strategies early on 39:25 Wrap up

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Insights: 00:00 Introduction 01: 06 The force behind ‘100 Year Real Estate Investor’ 02:30 Why ‘long-term’ approach matters 05:05 Top mistakes investors make 09:33 Why ‘Whole Life Insurance’ – how does it help? 12:44 Is it a bad investment? 14:30 How do these specially-designed policies work? 17:42 How can it be used for different purposes? 21:12 Buying a Whole Life Policy is like starting a business 26:36 How are these Policies taxed? 28:58 What are the potential pitfalls? 33:36 Successful people adopt innovative strategies early on 39:25 Wrap up

[certaincollections]

When most of us think about purchasing life insurance, it centers around protecting our loved ones from being financially burdened if something were to happen to us. But, there’s much more to consider for those of us that are investing in real estate, either with a partner, with key employees, or even have family members that will eventually inherit our real estate holdings. In these cases, it could make sense to purchase a life insurance policy on another person.