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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?
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, 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, and 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.
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?
For self banking aspirations, it is usually recommended that you contribute $10,000 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. 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.