Curtis Ray


  • - Curtis Ray - What Happens To MPI® In A Down Market? -
    • 8 - Reloc (known as a Participating Loan) in an IUL - [Bonk: bottom of screen in Video]
  • 2022 - The Homeboys - LIFE INSURANCE & RETIREMENT PLANNING WITH CURTIS RAY | 🏠 Homeboys Podcast #45 - [VIDEO-YouTube-52:22]
    • 12:00 - CR - Took 4 years to read everything on Life Insurance.
    • 12 - MLMs
    • CR - 13 - Max Funded, Increasing Death Benefit, Cut out 90% of Commissions, 
    • CR - Make Money the Result, not the Reason.
    • CR - MPI - Life Insurance  - Private plan, not a Government Plan.  Participating Loan at 4%, not from the contract. Take a loan from the contract and put the money right back in. Creating Leverage - no market risk - 3% spread - 
    • CR - It stops working when your policy makes x%- Arbitrage - Secure Leverage - You can get 7% securely from your policy, Plus a "Match" from the insurance company.  Real Estate - MPI is the simplified version of Real Estate - Never Liable for your loan - Ran 10,000 scenarios, Monte Carlo, 100% Success Rate
    • 23 - CR - Dips are good for us - Interest Deferred
    • 24 - CR - 
    • 25 - CR - 2008 Financial Crisis - Insurance Companies were fine - Dave Ramsey - Explains IUL, S&P Strategy, Designed Correctly from the Start, 1-2% are designed correctly - the rest are trash.
    • 28 - CR - As long as you pay the premium. no. Cash Value inside. [Bonk: P1P2].  Cutting 90% of expenses. Can stop paying premiums for decades and decades and still be fine.
    • 30 - 
    • 30 - Leverage Real Estate to