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What Is an Indexed Universal Life (IUL) Policy?

An Indexed Universal Life (IUL) insurance policy is a type of permanent life insurance that provides a death benefit, flexible premiums, and a cash value component that earns interest based on market indices like the S&P 500. The policyholder can access this cash value for tax-free loans, making IULs a powerful financial tool for long-term wealth building.

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How Christine’s Heart Uses IULs and the Waterfall Method

At Christine’s Heart; 1st & 15th Prospera LLC, we integrate IUL policies with the waterfall method and a 60-40 profit-sharing structure to create a sustainable wealth cycle that benefits our community and family members.

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Step 1: Funding the IUL Policy

  • Christine’s Heart will take out IUL policies on select family members, ensuring that loved ones are financially protected while also creating an asset that grows over time.

  • The cash value accumulates tax-free, making it an excellent way to store and leverage money.

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Step 2: Leveraging the Cash Value for Investments

  • Once the cash value reaches a sufficient level, we take out policy loans to fund investments such as stocks, options, real estate, and business ventures.

  • These loans are tax-free and allow the policy’s principal to continue growing.

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Step 3: 60-40 Profit Split & Wealth Distribution

When the investments generate returns, profits are distributed using the waterfall method with a 60-40 split:

✅ 60% of the profits are reinvested into the IUL policy and future investment opportunities to ensure continued financial growth.
✅ 40% of the profits are allocated to the family member insured under the policy, giving them direct financial benefits while keeping the wealth cycle active.

By maintaining this structured reinvestment and distribution, we create a sustainable financial ecosystem that supports both growth and immediate financial relief for our loved ones.

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Why This Strategy Works

✅ Family Security – Policies provide financial protection and death benefits for our loved ones.
✅ Generational Wealth – By continuously reinvesting and distributing funds, we ensure long-term financial growth.
✅ Tax Advantages – Policy loans allow tax-free withdrawals, while the death benefit is also tax-free.
✅ No Market Losses – Unlike direct market investments, IULs protect against stock market downturns.

Join the Movement – Secure Your Financial Future

At Christine’s Heart; 1st & 15th Prospera LLC, we don’t just build wealth—we share it with our family and create financial freedom for future generations.

Ready to learn more? Contact us today to see how you can be a part of this strategy.

USA, Atlanta, Georgia

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Comparing a 401(k) Investment vs. Christine’s Heart $30K Program

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Both investment strategies aim to grow wealth over time, but they differ in structure, returns, and accessibility. Let's break them down.

1. 401(k) Investment (Traditional Approach)

Scenario: Maxing out a 401(k) with a 6% employer match for 20 years.

  • Initial Investment: $23,000 per year (plus a $6,000 employer match)

  • Total Contributions: ~$580,000 over 20 years

  • Assumed Growth Rate: 8% annually (market average)

  • End Balance: $1,433,265

  • Liquidity: Limited (penalties for early withdrawals)

  • Risk: Moderate (market fluctuations but long-term growth)

  • Taxation: Tax-deferred (taxed upon withdrawal in retirement)

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2. Christine’s Heart $30K Program (High-Growth Alternative)

Investing $30,000 with Christine’s Heart for accelerated returns.

  • Initial Investment: $30,000

  • Timeframe: 12 months

  • Projected Growth: $100,000+ potential return

  • End Balance (After 20 Years of Reinvesting Profits): Significantly higher potential

  • Liquidity: Higher (faster access to funds)

  • Risk: Higher (active investing, market knowledge required)

  • Taxation: Depending on structure, profits may be taxable each year

Which One is Better?

  • 401(k) is best for long-term, stable growth with employer matching and tax benefits.

  • Christine’s Heart is best for those seeking faster returns with the ability to reinvest profits multiple times over a 20-year period.

If someone starts with $30K in Christine’s Heart and reinvests profits wisely, they could reach seven figures much faster than a 401(k)—but with greater involvement and risk management.

Comparing a 401(k) vs. Christine’s Heart $30K Program (12-Month Cycle) 1. 401(k) Investment (Traditional Approach) Annual Contribution: $23,000 (plus $6,000 employer match) Total Contributions Over 20 Years: ~$580,000 Assumed Growth Rate: 8% annually (market average) End Balance (After 20 Years): $1,433,265 Liquidity: Low (penalties for early withdrawals) Risk: Moderate (market fluctuations but long-term growth) 2. Christine’s Heart $30K Program (12-Month Cycle) Initial Investment: $30,000 Timeframe Per Cycle: 12 months Projected Growth: $100,000 per year Reinvesting Profits: Compounding over 20 years Liquidity: High (cash available yearly) Risk: Higher (active management required) Projected Growth Over 20 Years (Reinvesting Profits Yearly) If the $30,000 grows to $100,000 in one year and the full amount is reinvested each cycle: Using the formula for compound interest: 𝐹𝑉=𝑃(1+𝑟)𝑛 FV=P(1+r) n where: P = $30,000 (Initial investment) r = 233% return per year (since $30K → $100K) n = 20 years Let’s calculate the final value. After only 10 years of reinvesting profits in Christine’s Heart $30K program (with a projected $100K return per year), the potential balance could grow to well over $4.1 million—a massive theoretical number driven by high annual compounding. Key Takeaways: Christine’s Heart offers much faster wealth accumulation, assuming consistent performance. A 401(k) is safer but slower, growing to $1.43 million over the same period. Christine’s Heart has higher risk but far greater liquidity, allowing access to funds yearly. In reality, market fluctuations, taxes, and reinvestment strategies would impact actual results, but the difference in potential returns is clear.

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