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The rich don’t just buy life insurance for protection — they use it as a strategy. High-income earners, entrepreneurs, and even banks use IUL and Whole Life policies to grow wealth, access cash tax-free, and pass down money efficiently. It’s not a secret. It’s just smart planning — and it’s available to anyone who understands how it works.
Real World Examples
Here are a few real examples of how some of the smartest individuals and families have used IUL and Whole Life to build, protect, and grow wealth.
Walt Disney
When banks wouldn’t fund Disneyland, Walt Disney borrowed against his Whole Life insurance policy to help launch the company. His policy gave him fast, no-questions-asked access to cash — without selling assets or taking out high-interest loans.
Banks
Large banks like JPMorgan Chase and Wells Fargo hold billions in cash value life insurance (BOLI) on their executives. Why? Because it offers guaranteed growth, tax advantages, and stable returns better than many other low-risk assets.
Small Business
A 45-year-old electrician was tired of market volatility. He started an IUL policy at $300/month. Now, he's protected if anything happens, and his policy is on track to give him $25k+ per year in tax-free income starting at age 65 — without risking a dollar in the market.
Rockefeller's
The Rockefeller family famously used Whole Life insurance to create lasting wealth across generations. Each family member owned policies on one another, building tax-free cash value and passing down wealth without going through probate or estate taxes. This strategy helped them preserve and grow their fortune — not just for their kids, but for their grandkids and beyond. It’s a blueprint for generational wealth that still works today.