Life Insurance As An Asset?

Life Insurance As An Asset?


life insurance

Life Insurance. When you think of assets what comes to mind? When thinking about your future money the more diverse the assets the better. Most people like bonds,fixed or cash products because they are SAFE! What happens when “LIFE” throws you a curve-ball?


You may have been diagnosed with an illness and now you need to start dipping into that bucket. Now you face depleting that bucket and can you or will you ever be able to replace that outgoing money?


Let’s look at another asset that could perform in many “curve-ball” instances, one that you may not even be aware of, one that can used for a plethora of “Life Situations”

It is Life Insurance!

Are you surprised? The reality is that most people aren’t taught the beauty of Life Insurance as an Asset Class. Its looked upon as an expense. Canceled first if financial stress happens as if it were a gym membership.

The problem with that is you are only able to get Life Insurance if you are healthy and the younger you get it, the less expensive it is.

Q: Where did people have their money during the great depression?

  1. Bank
  2. Cookie jar
  3. Insurance Company

Fact; During the great depression the only people who were financially comfortable had all of their money in INSURED  INVESTMENTS! AKA; Life Insurance!

When constructed correctly with the correct company it could be one of the greatest assets you can provide yourself with. It can also protect your business, your family and You in case of an unforeseen illness. This is so personal and when structured correctly with your individual needs, it could give you everything you ever need for a financially comfortable future.
Let’s have a discussion about this. Its Life Changing.

Life Changing

By Lu Casillas

This can be Life Changing. 

$100 in cash 5x20

Let’s talk about your children, grandchildren,nieces and nephews. How would you feel if you could create a

“Life Changing” situation for them that is positive and protects them throughout their lifetime? Some verbs that come to mind are: Rejoice, Savvy, Surprise and Pleasure. 

Either we are unaware that it can be done or we are advised of a plan that is great for education but cannot be used for anything other than education. Let’s get realistic. We may want our children to go to college, however, today there is no guarantee. We have generations of High-Tech Brainiac’s, entrepreneurs and incredibly gifted young people and some have no desire or reason to go to college, or It interferes as an asset and can be used against you when trying to get funding or scholarships.

So what happens with the money locked up in that “College Plan”? Well, I interviewed a bank manager and this is what was told to me verbatim. “Well, you could go back to school or give it to another kid that wants to go to school.” In reality if it isn’t used for education you can take it out pay all the taxes and now do what you will with it.


What if I showed you that with as little as $100 a month you could create amazing possibilities for a child’s future? Possibilities that could be life changing. If an injury or illness arises, there is money in place to handle costs.


It could be used for college, a wedding ,a first home, future Tax-Free Lifetime Income and its not looked at as an asset when applying for scholarships or loans. Could you get excited? Would you reach out to me? It’s time to learn about this amazing plan.

Wealth or Finances?

I recently asked a woman about her wealth accumulation plans. She was completely unenrolled in the topic. When I asked her why she replied,” I am not wealthy nor will I ever be!”  I asked her “ How do you feel about your finances?” She completely opened up.

Does the word WEALTH frighten you? If so why?


I see WEALTH as an abundance in every area of life. We do gravitate to assume it only means the state of being rich; material prosperity.

Houses of wealth can be be found in your Health,Financial, Family or Love areas as an example.


I heard something today and it was mind blowing by Van Mueller. Did you know that our country has 323 million people in it and 162 million of them are on benefits, We have 50 million retirees and we had more workers in the year 2000 then there are right now! We are over $19.4 Trillion in debt and it will take EIGHT GENERATIONS to fix this.


Why do people get paid on Friday and by Monday morning they are BROKE? What is that thinking or lack of thinking?


If you saved one million dollars for your retirement today at 5% growth would you feel set for life?

Let’s look .

After taxes (apx 30%) You would have about $35,000 in annual income. Just about $3,000 in monthly income! If you were accustomed to making $8,000 monthly could you actually live on less than half of that? Let me answer for you. NO.
Back to the woman I started speaking about. She got it! Wealth is positive, Finance is positive. She needed  a conversation that no one would have with her. You have untapped options and I can help. Why not have financial quality in your life. It’s not about putting your money at RISK, It’s about making sure it’s not volatile!

The Money Tree

The Money Tree

Lu Casillas Article 4 Image money treeHypothetically, what if you could have your own money tree? What dreams and desires would it feed? Could it give you more freedom? Perhaps more things. When I asked ten women this question, it was interesting to hear many say they wanted more THINGS, like purses, cars and clothing. Only a small percentage was thinking long-term.

Long-term thinking is crucial today. Does that sound boring? What’s not being addressed is lowering your future taxes and limiting volatility, making sure that if you become ill, you will have the funds to protect your family and/or received treatments deserved without losing your hard-earned money. Continue reading “The Money Tree”

What’s Your Money Story?

What’s Your Money Story?

money stepsHave you ever thought about why your relationship to money is the way it is? Everyone has a story about it. You can’t make enough; it’s hard; I am never paid what I am worth; I make a lot but have nothing in the bank to show for it. It’s like an endless staircase. Are you stepping UP to your cause of a life of unlimited joy and freedom? Continue reading “What’s Your Money Story?”

Are You Having This Conversation?

Are You Having This Conversation?

Girlfriend are youAre you thinking about your money? Or, is it a thought that passes like a ship in the night? In speaking with women there is one common theme with regard to their money. Never Enough! Why? Today women make more money than ever.

If we’re making it we need to preserve it. Why is dropping 3% – 6% into a tax deferred plan or investing in volatile plans thought to be the end all? Do you know where your money is being put to grow or even what deferred taxes could potentially be in the future? How about your old 401k plans from past jobs? They are volatile when sitting.

If we look at the DOW over a 16 –  year span here is what the growth was. Continue reading “Are You Having This Conversation?”

The Need To Make Money 24/7

The Need To Make Money 24/7

passive money

Why the need to make money 24/7? There is a misconception that the root of all evil is money.

In reality, money creates options and freedom;

the option to make choices when life hands you the unexpected and the freedom to afford it.

Do you feel excited or stressed when I say, “make money 24/7?”

I would hope it’s excited. If not, let’s look at making a shift. We’re definitely busy sometimes working full time  in and out of the home. However, the key in today’s society is building an income that pays you even when you’re not working. Continue reading “The Need To Make Money 24/7”