Archived article. Information reflects its original publication date and may have changed. Call Kindred for current coverage questions.

I want to pass away peacefully in my sleep just like my grandfather did not like all those poor bastards yelling and screaming from the passenger and rear seat.
I want to pass away peacefully in my sleep just like my grandfather did not like all those poor bastards yelling and screaming from the passenger and rear seat.

Most people think life insurance is only useful when you die — but what if you could use it like a private bank while you’re still alive?

With the Mutual of Omaha Indexed Universal Life Express (IUL Express), you’re not just buying protection for your family — you’re also building a tax-advantaged savings accountthat can loan you money on your own terms:

• ✅ No credit checks

• ✅ No income verification

• ✅ No monthly repayment required

• ✅ Low interest — often just 2%

• ✅ And best of all? You’re borrowing from yourself

This blog shows you how to start your own bank, how long it takes, who it works best for, and how it can save your family financially — now and later.

⸻

📊 Real-Life Example

Let’s say you’re 35 years old and buy a $150,000 IUL Express policy for about $80/month. By year 6, you’ve built around $3,000 in cash value. You could:

• Borrow $1,000 to cover new tires or a home repair

• Pay just 2% net interest (about $20/year)

• Choose not to repay right away

• Still keep your coverage active

Compare that to using a credit card at 20% interest — this strategy is a game-changer.

⸻

🎯 Who Can Benefit the Most?

The younger you are, the cheaper the policy and the more powerful this strategy becomes:

• In your 20s or 30s? Lock in low premiums and build real value

• In your 40s or 50s? Still a smart financial move

• Over 60? Can still provide income protection and burial coverage

⸻

💵 Two Loan Options

Loan Type

Interest Rate

Growth While Borrowed?

Best For

Standard Loan

Fixed 2–4%

Earns 2%

Safe, predictable

Index Loan

Variable (max 6%)

Still earns index interest

Potential for high gains

Both options give you tax-free, flexible access to your policy’s value — with no bank, no hassle.

⸻

💀 Don’t Leave a Burden Behind

Even if you never borrow a penny, this policy protects your loved ones from:

• Funeral costs

• Outstanding debt

• Confusion from not having a will

A life insurance policy is your last gift to your family — make sure it’s a strong one.

⸻

📜 Coming Soon: Let’s Talk About Your Will

In our next post, we’ll walk you through how to prepare or update your will — and how Kindred Brokerage helps families protect more than just their finances. Legal peace of mind matters too.

🛠️ Tools That Can Help:

If you’re ready to get started now, these are two resources we recommend (Amazon affiliate links):

• My Family Estate Legal Document Kit – Includes a Last Will, Health Care Proxy, and Power of Attorney

• My Bucket List Journal: Living the Dream – A simple, creative way to stay focused on what really matters

⸻

I’ll be honest — these topics aren’t the easiest to talk about. Wills, life insurance, and planning for death don’t exactly make for exciting conversation.

But knowing how to use them as tools — not just paperwork — can help you build a better life and protect the people you love.

And while you’re thinking about the serious stuff… don’t forget to stop and enjoy life too. If you haven’t made a bucket list yet, I challenge you to start one. Use a journal, a napkin, or a paper bag — just start.

Because we don’t live forever. But we do get to decide how we live.

📞 Call/Text: 361-673-3512

📧 Email: kindredbrokerage@gmail.com

🌐 Website: kindredbrokerage.com