© 2009- 2019 by  Dr. Lydie Louis, PhD. Esq.


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In 1967, Drs. Maurius and Cristian Bernard conducted the first successful human-to-human heart transplant.  In doing so they developed a new type of insurance called "living benefits" that allows you to accelerate and draw down the face amount of the policy when you become sick and cannot go to work. Since 1998, living benefits policies have existed in the United States. However, there has been no real marketing of this product.  Twenty years, later Americans still believe we have to die to access the money in our policies. 

That is not true.

Harvard Law School conducted a study a few years ago, and determined that more than sixty (60) percent of bankruptcies in the U.S. was due to one reason--medical incapacitation.  People were too sick to go to work.

Harvard Law School also determined the average age of bankruptcy in the U.S. is 44.

This is interesting because according to a report from a major insurance carrier the average age of people who file for an acceleration claim is 43. This means on average people in America get too sick to go to work at the age of 43 and their income stops within one year of their illness. At the age of 44 they are filing for bankruptcy protection because they have run out of money.  There are approximately 144 million in-force life insurance polices in the U.S. approximately 155,000 are living benefits policies that is less than 2%.  As Victor Hugo once wrote, "this is an ideas whose time has come." 

Please watch the video below entitled Educational Meeting - Living Benefits - Module 1.

If you would like to learn more about how these life insurance policies can protect your savings, investments from stock market losses and minimized taxes on the distribution you receive, (this information is especially important for retirees), please watch the second video below. This video contains critical information for everyone who is about to enter retirement, is currently in retirement, or saving for retirement. 

Educational Meeting - Asset Based Life Insurance that Creates Wealth - Module 2.

Please contact Dr. Lydie, to talk about how we can better protect you and your family's assets.