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We Buy Boring Businesses

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Boring businesses may not have the sex appeal of the latest tech startup, but it will provide a steady stream of income that can be used to fund other investments or simply to live a comfortable life.

And for those who are looking for alternative investments, boring businesses can be a great option.

We are always looking to invest in bu

And for those who are looking for alternative investments, boring businesses can be a great option.

We are always looking to invest in businesses that may be in the process of closing, wanting to sell or the owners are retiring.

Ideally, we seek businesses that already have revenue, but the owners just may not have in them anymore to keep pushing the business.

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Ask about Our Crypto Strategies

We're crypto investors and this asset class has uncapped potential, but big downside.

We're not the crypto-anarchists that you're thinking of - we're regular people that are looking for alternative investments. And we've found that cryptocurrencies are a great to invest in.

We're not saying that it's easy - it's definitely not. But, it can be profitable on a long term horizon.

IUL Frequently Asked Questions

Please reach out if you cannot find an answer to your question.

What is indexed universal life?

Indexed universal life (IUL) is a type of term life insurance policy that offers both death benefit protection and an tax free investment component. The investment component is typically indexed to either the stock market or a fixed rate of return, meaning that the growth of the investment portfolio is tied to how well the underlying investments perform. IUL policies can be especially appealing to people who are looking for a long-term investment strategy as well as death benefit protection.

How does indexed universal life work?

Indexed universal life policies are a type of term life insurance that offer both a death benefit and a cash value account.

The cash value account grows tax-deferred, and the growth is linked to an underlying stock index. This ensures that the policyholder's investment experience is similar to the performance of the stock market, without having to worry about buying and selling individual stocks with 100% downside market protection.

One of the benefits of owning an indexed universal life policy is that it can provide some liquidity in case of an emergency. The death benefit payout can also be used to pay off any outstanding debts, such as a mortgage or car loan.

What are the benefits of indexed universal life?

Indexed universal life policies offer a number of potential benefits, including; flexibility in premiums, tax-deferred or tax free growth, market returns, death benefit protection, and the ability to take loans against the policy's cash value without taking money out of the cash account.

The main advantage of an indexed universal life policy is that the cash value growth is linked to a market index, such as the S&P 500 or the Dow Jones Industrial Average. This means that your cash value will grow at a rate that is potentially higher than that offered by traditional whole life or term life policies and many policies have 100% downside protection from market crashes.

Additionally, indexed universal life policies offer more flexibility than other types of permanent life insurance policies. For example, you can usually choose how much premium you pay each month (within certain limits) and you can also change your coverage amounts at anytime.

How is indexed universal life different from other life insurance policies?

Indexed universal life policies are different from other life insurance policies in a few ways. First, the premiums/investments are usually adjustable, meaning that they can go up or down depending on the performance of the underlying index. Most do have 100% downside market protection from index crashes. Second, the death benefit is also usually linked to the performance of the underlying index. And third, there is typically a minimum guaranteed interest rate that is credited to the policy no matter what happens to the underlying index, but all policies are different.

This combination of features makes indexed universal life policies a potentially attractive investment option, especially in times of volatility since premiums can be adjusted downward if needed, and since the death benefit increases as long as the underlying index does well, an indexed universal life policy can provide some downside protection during market downturns.

The IUL also grows tax free in most cases/

How do I choose the right indexed universal life policy?

When choosing an indexed universal life policy, it's important to consider the following factors:
-The insurance company's financial stability and rating

-The type of indexing methodology used (e.g. point-to-point, capped)

-The minimum and maximum participation rates-The crediting rate floor-The fee schedule, including any surrender charges.

It's also important to understand how the policy works and what your options are if you need to make changes or terminate the policy. You should ask the insurance company agent or your financial advisor questions about how the policy works so that you're clear on what you're buying and the advantages for you and your family.

How often do I need to review my indexed universal life policy?

Most insurance companies recommend that policyholders review their indexed universal life (IUL) policies on a regular basis, typically every year or two. However, the frequency of reviews may vary depending on the individual's needs and circumstances.

Some factors that may warrant more frequent reviews include changes in marital status, birth or adoption of children, changes in investment portfolio, and significant increases or decreases in the cash value of the policy. It's also important to review the policy when there are any significant changes in health, as this could impact the insurability of the insured and affect premiums and coverage.

What are some common mistakes people make with indexed universal life?

There are a few common mistakes people make with indexed universal life policies:

1) Not understanding how the policy works - indexing, crediting rates, and participation rates can all be confusing, so it's important to read the policy carefully and ask questions if you don't understand something.

2) Not keeping track of the policy's performance - it's important to review your account statements regularly to make sure the policy is performing as expected. If not, you may need to make changes to the policy or your investment strategy.

3) Purchasing a policy with low crediting rates - while there is always some risk associated with investing, you want to make sure you're getting a good return on your money by choosing the best policy for you and your family.

4) Purchasing a policy when they are not in good health, which can lead to higher premiums and fewer options down the road.

5) Not keeping up with payments, which can cause the policy to lapse and be cancelled.

Alternative investments

What can We Help You Buy, Sell, Flip or Boost? Contact Us Today!

Lets Talk Shop

We Buy Boring Businesses

Ask about Our Crypto Strategies

Ask about Our Crypto Strategies

Ask about Our Crypto Strategies

Ask about Our Crypto Strategies

Ask about Our Crypto Strategies

Knowledge Base

IUL Frequently Asked Questions

What can We Help You Buy, Sell, Flip or Boost? Contact Us Today!

Lets Talk Shop

We Buy Boring Businesses

Ask about Our Crypto Strategies

Ask about Our Crypto Strategies

Ask about Our Crypto Strategies

Ask about Our Crypto Strategies

Ask about Our Crypto Strategies

Knowledge Base

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IUL Frequently Asked Questions