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Benefits of a Fortify Whole Life Asset
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Cash flow & Retirement
Lifetime Growth & Optimized Savings
Money Management System
Legacy & Protection
Liquidity for
Assets & Investments
What can a Fortify Money Multi-Tool do?
Liquidity for Assets & Investments
Considering investing in real estate? Whether it's for your own home or an investment property, learn how a custom Fortify Whole Life policy can make your next asset more affordable and give you more cash flow. We've helped clients save years off their mortgages while building their cash value at the same time. Click here to see a real story.
Cash Flow & Retirement
Did you know you can utilize the cash value of your policy, including all the interest and dividends you've earned over the life of your policy, and have tax-free passive income during the retirement years? As we age, our income tends to decrease and health expenses tend to increase. A Fortify Whole Life policy that has been properly capitalized can give you peace of mind in your golden years without any additional tax liability.
Lifetime Growth & Optimized Savings
A custom crafted whole life policy provides the controlled consistency of a high-yield savings account with the benefits of life insurance. What's even better is that historically, whole life insurance has remained stable throughout traditional market instability. When paired with other retirement investment vehicles you can confidently weather the storm during economic down turns because you'll know that the value of your policy is always growing.
Money Management System
The freedom to be your own banker & lender (metaphorically speaking) is one of the most popular features of a Fortify Whole Life Policy. Need to finance a vehicle or other large expense? You can loan up to your cash value directly with your policy carrier. No underwriting, no rigid repayment terms and no penalties to your credit. The best part? Once you repay your policy. that same dollar is ready for you to use again and again.
Legacy & Protection
The primary function of a Fortify Whole Life policy is life insurance. The death benefit will give your family a financial legacy that for most people, couldn't be achieved any other way. Your beneficiaries will receive the death benefit tax free and without going through probate. This means less stress during the most difficult times for your loved ones. As you grow your policy, you'll know you're building wealth for generations to come.
A Fortified Financial Foundation
The Fortify Money Multi-Tool approach helps you navigate the complexities of personal finance more effectively, ensuring that you're equipped to handle everything from daily expenses to long-term financial goals. And each Fortify Whole Life policy is custom designed to help you reach them faster. Even after funding, we'll continue to monitor your progress and answer any questions along the way. Financial flexibility and freedom is our goal for you, and we consider it a blessing to help you get there.
What is Overfunded Whole Life Insurance?
A whole life policy is a type of permanent life insurance that provides coverage for your entire life, as long as you pay your annual policy premiums. It accrues cash value and earns interest and dividends, which you can access while you’re still alive through policy loans. This is very different than term life insurance, which only covers you for a contractual time period. Once that period ends, so does the policy coverage. Term life insurance does not provide living benefits, such as a growing cash value.
We use the power of overfunding your whole life insurance policy, which is contrary to what most people do. Traditionally, people tend to get the least expensive policy with the highest death benefit. But in overfunded whole life, we focus on getting the most living benefits and the least death benefits. This is when the policy holder pays extra premiums above the amount required to maintain the policy. Why would we do this? When you overfund your policy it has a high cash value right from the start, earns you more interest and dividends and grows your money much more quickly. Simply put, it turns your whole life policy into an asset that fortifies all of your finances. It immediately allows you more financial freedom with benefits you can use before your death and it provides a growing death benefit. Think of it as a Money Multi-tool. ©️
Our Story
(the short version)
The man behind Fortify Whole Life, LLC is Sal Alvarez, husband, father, Air Force Academy graduate and veteran (go Falcons!). When looking for solutions for life insurance and investment opportunities as he prepared to retire from the Air Force, a friend introduced him to overfunded whole life insurance and it quickly became his passion. After seeing how his policies helped his family so significantly, Fortify Whole LIfe was born out of a sincere desire to help others secure their financial futures as well.
In his spare time he enjoys traveling with his wife and kids, soccer, good food, talking about life insurance and real estate.
Frequently Asked Questions
What about term life options?
At Fortify, we believe that at a minimum, you should at least have term. And we are here to serve you if this is the route that you feel is best for you.
Is a Fortify Whole Life Insurance policy considered an investment?
While it does share some characteristics of investments, it is simply Overfunded Whole Life insurance. Therefore, it shouldn't be compared to investments, rather, it should be used to fortify any investments you choose to make as the foundation.
If it's so great, why isn't everyone doing it?
Excellent question! We had the same one when we were exploring the Overfunded Whole Life World. It's not mainstream because it doesn't follow traditional banking concepts. Banks want you to store your money with them, so they can use it and charge you for the privilege. The people who use whole life insurance policies successfully tend to learn about it through word-of-mouth or by reading the books by Nelson Nash. But rest assured, it has been around for decades, and it is definitely catching on. More and more people are learning and practicing the concepts.
Am I too old or unhealthy for Whole Life Insurance?
While younger is typically better when buying life insurance, if you're older or have health concerns there may still be options for you. Contact us to discuss your unique situation.
How much money do I need to begin a Fortify Whole LIfe Money Multi-Tool Policy?
First, think of this as a new place to store your capital - a readily accessible savings account that you are already, or intend to, build for rainy days or investments. For self banking aspirations, it is usually recommended that you contribute $7,500 per year and upwards to benefit from a Whole Life policy, and possibly more if you're middle-aged or older, so that your policy can compound appropriately and be beneficial to you. However, each case is tailored to your specific goals and situation. If you already have an asset or investment in mind, then we collaboratively build your policy for the respective funding size required. For policies for children, this amount is often lower. Don't be afraid to inquire because each case is unique and every policy we design is custom-made for your situation.
Can my kids get a policy?
Absolutely! You will be giving your kids an incredible gift when you set them up with a Fortify Whole Life insurance policy. It will grow throughout their lifetime and give them the freedom to follow their dreams when they are ready for college, home ownership and beyond. You will give them a 'money printing machine' as adults simply because you sought their best interest today. Contact us if you want to see the numbers and how it works.