06/05/2026
Here's something most people don't realize about how wealth is built in America:
The ultra-wealthy have been using life insurance as a financial tool for decades. Not for the death benefit. For the cash value — specifically, the ability to borrow against it tax-free.
No RMDs. No contribution limits. No "you have to be 59½." No taxes on the loans.
Your 401k doesn't do that.
I'm Martin Eggers at Limitless Group Consulting. I help people understand strategies like this — not to sell them something, but so they know what's available. If you're curious, I'm happy to walk you through it.