What is Cash Flow Banking?

The common definition of a bank is a financial institution where you can make deposits or take out loans. Banks are profit-driven. When they do well financially, bankers make big bucks. They will always charge more in interest on a loan than they will pay in interest on money in your savings or checking accounts. This is how banks make money. They will charge you a much higher amount to borrow a dollar from them than they pay you to borrow one of your dollars.

Most of us have become so accustomed to the way traditional banks work that we don’t stop to consider, “What if there were a better way?”

Cash Flow Banking is a system where you save money in a whole life insurance companies instead of in a bank. The insurance company is your bank. They pay you a guaranteed rate of interest—much higher than you would earn in even a high-interest savings account and will also pay out non-guaranteed dividends based on annual performance. Boss Financial works with insurance companies that have paid out dividends for well over 100 years. If you need a loan, it’s a private contract between you and your insurance carrier, not a bank. Interest rates are typically lower and you decide the pay-back terms.

When you create a cash flow banking system using whole life insurance, banks (or the Feds) don’t tell you what to do with your money—how to save it, how to borrow it, and what to spend the borrowed money on. Even better, when you borrow money, you don’t need approval from a bank, you don’t need a certain credit score or a credit check, and you don’t have to put up loan collateral like a home, car, or business.

The cash flow banking system is a concept that’s easy to implement and understand, and one that has been proven successful for hundreds of years, provided you use whole life insurance as your banking vehicle.

  • OptimizeYour cash value never decreases in value. And, you will receive a guaranteed return 4% +  6% dividends that you can count on, typically up to 50x more than what you would earn in a traditional savings account.
  • MaximizeYou will earn 5-7 rates of return on your money from 1 transaction to maximize your cash flow,.
  • PreserveYour money is protected from the market, creditors, taxes and recapture cost.
  • AccessAccessing your cash value at any time for any purpose is fast and easy. Quick-asset loans are flexible, with no specific payback period. They provide you access to the liquid capital you need while your balance continues to grow.
  • LeverageLeverage your capital to take advantage of opportunities in your business and real estate, and allow your money to do more than one job at a time.

When implemented correctly by our qualified Financial consultant professional, your whole life insurance policy functions as your own personal banking system. Only 10% of your initial investment goes toward your base premium, while 90% goes directly toward maximizing your cash value.

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