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Breaking Financial Myths and Unlocking Wealth with Life Insurance Strategies.
True story. There was a guy with a Mercedes G-Wagon and a big watch at the gym looking baller. My friend overheard him on a call saying, “The best we can do for you is a 1% CD.” My friend felt that didn’t sound quite right and Googled CD rates. They were around 4%. My friend realized this guy’s getting taken advantage of. If this is you, you are not alone.
There are a lot of “financial experts” out to make a quick buck, but we want to help people avoid being misled. We want to avoid misleading people into calls like with the Mercedes G-Wagon with that big watch. We are here to help be your partner not be your broker.
Insurance
Subjects to be covered
Term insurance
Whole Life
Indexed Universal Life (IUL)
Infinite Banking
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About
Andrew Chavez
I am an established Financial Professional with Apex Innovative Financial & Insurance Solutions, stands out as a financial services organization in Orange County, CA. With nearly a decade of experience, I have had the privilege of collaborating with a diverse range of individuals, families, and businesses, guiding them toward financial prosperity and successful wealth accumulation.
Having laid a solid foundation through his early career in finance, I seamlessly transitioned into a role that empowered me to establish a robust and comprehensive financial services practice. My background in the banking industry, combined with his amiable disposition and unwavering work ethic, has left an indelible mark on the lives of my clients.
When I'm not immersed in my professional endeavors, I cherish quality time with my family and friends. I enjoy playing golf and embarking on adventures with my lovely girlfriend Jacklyn, as we travel and explore new horizons together.
I am insurance licensed in California, Texas, New York, Mississippi, Michigan, Illinois, Washington, Louisiana, Colorado, Oregon, Virginia, Nevada, Arizona, and Connecticut.
CA Insurance License#: 0M02992
WHO WE HELP
Why So Much Financial Confusion?
The financial world is full of conflicting voices. Dave Ramsey says one thing, Suze Orman says another, and social media is full of “gurus” telling you to either avoid life insurance completely or put everything you own into it. The truth? It’s confusing on purpose. The industry profits when you don’t understand how things really work.
At Apex Financial Solutions, we are here to give you facts — not sales pitches. There’s no one-size-fits-all solution in finance. Anyone who says, “This is the only product you need” is trying to sell you something.
Myths
“Just buy term and invest the difference.”
“Whole life insurance is a bad investment.”
"Indexed universal life (IUL) is a scam."
"Banks and the wealthy don’t use life insurance"
Common Financial Myths
“Buy Term and Invest the Difference”
This phrase, made popular by large captive agencies, suggests that you should buy cheap term life insurance and invest the leftover money elsewhere. The problem is, it assumes everyone has the same discipline, income, and risk tolerance. It can work for some people — but not for everyone.
"Whole Life Is a Bad Investment"
Whole life isn’t an “investment.” It’s an insurance product with guarantees, steady growth, and cash value you can access. It’s a conservative tool — not meant to beat the market but to provide stability.
"IUL Is a Scam"
This myth comes from the early 2000s when Variable Universal Life (VUL) was sold irresponsibly. VULs had no protection from loss, and many collapsed. Indexed Universal Life is different — it has guardrails, caps, and floors that protect your money.
"Banks and the Wealthy Don’t Use Life Insurance"
Actually, they do — in massive amounts. The top U.S. banks hold billions of dollars in life insurance as part of their tier-one capital because it provides safety and steady returns.
The Reality Behind the Myths
Term Life Insurance — What It Really Does
It’s affordable, simple, and provides protection for a fixed period. The downside is it expires, and most people outlive it. About 1% of term policies ever pay out, not because they’re scams, but because people survive their coverage period or cancel their policies early.
Term life insurance is pure coverage. If something happens to you during the term, your loved ones receive a death benefit. It’s ideal for covering major responsibilities — like raising kids, paying a mortgage, or protecting your business.
Keep in mind: when term coverage ends, renewing can be expensive. For example, a 30-year, $1 million policy might cost $1,600 a year for a 30-year-old — but at age 60, renewal could cost $16,000 a year. That’s why planning early matters.
Term insurance is not bad — it’s just temporary. It’s like renting: it protects you now, but you build no equity.
For Families
If you earn $100,000 a year and only have a $100,000 policy through work, that’s barely one year of income replacement. A personal term policy can provide 20–30 years of income protection, ensuring your family’s stability.
Business Owners
Term insurance protects companies from sudden losses. It can cover debt, fund buy-sell agreements, or replace key employees. Key person insurance provides funds to keep the business running if something happens to a critical team member.
Convertible Term
Some term policies can convert into permanent coverage without a new medical exam. This is crucial if your health changes. It locks in your insurability for life.
Whole Life Insurance — Stability That Lasts
Whole Life Insurance: It’s steady and predictable. You get guaranteed coverage for life, guaranteed growth, and guaranteed liquidity. It’s ideal for those who want conservative returns and access to cash without relying on the market.
Indexed Universal Life (IUL) — Growth with Protection
Indexed Universal Life (IUL): It’s flexible and designed to grow safely. Your cash value earns interest based on an index like the S&P 500, with a 0% floor (you can’t lose due to market drops) and a cap (you give up some upside in exchange for safety).
Infinite Banking - Tier One Asset
Banks and Corporations: They hold billions in permanent life insurance because it’s classified as a “tier one” asset — meaning it’s among the safest, most liquid places to store capital.
Term vs. Permanent
Renting vs. Owning
Term coverage is like renting a home — low cost, temporary, and perfect for short-term needs. Permanent coverage is like owning — higher upfront cost but lifelong stability and value.
With term, you’re covering “what ifs.” With permanent, you’re preparing for “when.” Many people use a mix: affordable term coverage for income protection and a smaller permanent policy for lifelong security.
Indexed Universal Life (IUL)
Growth Without the Gamble
An IUL policy offers the flexibility of universal life with the growth potential of market indexing. You’re not investing directly in stocks — your returns are tied to an index like the S&P 500.
If the market goes up, you earn interest based on the growth, up to a cap (often around 10–12%). If the market goes down, your account earns 0%, not negative returns.
That “floor and cap” structure protects your money from losses while still giving you the chance to grow.
IULs can also generate tax-free retirement income. When structured correctly, you can access your cash value through policy loans and withdrawals without paying income taxes — a major advantage compared to 401(k)s and IRAs.
Flexibility is another benefit. You can adjust your premiums and death benefit, and even design the policy to focus on either maximum cash value or long-term protection.
The key is setup. Poorly designed IULs can underperform, but when built correctly — minimizing costs and maximizing growth — they can become one of the most powerful tools for building safe, tax-free wealth.
Whole Life Insurance
Predictable and Reliable
Whole life insurance is all about stability. Your premiums never increase, your death benefit is guaranteed, and your cash value grows at a steady rate (around 3–4% on average).
It’s perfect for people who want guaranteed protection and a safe place to grow money outside the market. It also provides liquidity — you can borrow from your cash value anytime, with no penalties.
Whole life is structured much like a mortgage: in the early years, most of what you pay goes to costs; later, your cash value grows faster as more of your payment builds equity. By year 10–15, it typically reaches break-even and begins compounding steadily.
It’s not for everyone, but for people who value security and control, it provides long-term peace of mind.
Infinite Banking
Using Life Insurance Like Your Own Bank
Infinite banking is a concept that uses the cash value of your life insurance as a source of liquidity. Instead of borrowing from a bank, you borrow from yourself — using your policy’s cash value as collateral.
Here’s why that matters: when you borrow against your policy, your cash value continues to grow as if you never took the money out. You can use those funds for real estate, business opportunities, or other investments, then pay yourself back on your own terms.
In a 401(k), you can only borrow about 50% of your balance, and that money stops earning until you repay it. With life insurance, you can often access 80–90% of your cash value, and it keeps compounding the entire time.
The real power of infinite banking isn’t in the rate of return inside the policy — it’s in the leverage. You can have your money working in two places at once: earning inside the policy and being used for outside investments.
Business owners and investors love this strategy because it keeps their money liquid, growing, and under their control.
Whole life works best for quick access and short-term use; IUL works better for long-term growth. Both can be used for infinite banking depending on your goals and discipline.
Addressing Common Questions
The Big Picture
At the end of the day, life insurance isn’t just about death benefits — it’s about creating balance. Term coverage protects what you have now. Whole life and IUL build long-term value, flexibility, and peace of mind. Together, they create a financial plan that grows with you instead of boxing you in.
If you’ve ever felt confused by the mixed messages out there, that’s normal. The truth is, everyone’s financial life looks different — and the best plan is the one designed around you.
Take a moment to think about what matters most: stability, growth, protection, or legacy. Then build from there.
Aren’t the fees high?
When structured properly under IRS rule 7702 — max cash value, minimal insurance costs — lifetime policy expenses can be as low as 0.5%, less than most investment accounts.
Why not just invest in the market?
You don’t need double-digit returns when you’re not suffering double-digit losses. Over the last 20 years, the market has averaged about 7–8%. Properly designed IULs often average similar long-term returns but without the volatility.
Isn’t permanent insurance a scam?
No. What most people call “scams” are simply poor designs or bad advice. Permanent life insurance is a flexible financial tool — not a replacement for investing, but a complement to it.
Should I stop my 401(k) if I get an IUL?
Absolutely not. If your employer offers a match, that’s free money. We’re not here to replace your retirement accounts — we’re here to help you add stability and tax-free options alongside them.
Why limit growth with a cap?
Because you’re trading a bit of upside for protection. You avoid losses in down years, which gives you more consistent growth. Studies — including one from Ernst & Young — show that portfolios with about 30% permanent life insurance can double retirement income potential while reducing the risk of running out of money.
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