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The Academy Presents podcast

Sep 8, 2023

How can you leverage debt to build generational wealth? In this episode of The Academy Presents: Real Estate Investing Rocks, we welcome John Ensley, ChFC®. John explores the importance of cash flow and financialization over the past 50 years. He discusses how families can use cash-value insurance policies as a source of financing and security.


Angel and John are here to explain why it’s important to plan for mortality early on, how death benefits can be used for taxation or lost income, and why whole-life insurance policies are an effective tool for long-term financial security 


Tune in now as John shares his insight into how leveraging access to credit can open doors to financial success!


[00:01 - 01:48] Create A Family Office Through Cash Value Life Insurance

  • Angel welcomes back, John Ensley, ChFC®!
  • Cashflow is more important than equity
  • Using cash-value life insurance as a funding source is an option

[01:49 - 09:19] Leverage Debt To Create Generational Wealth

  • Working together as a family to establish a network of policies and create a family office
  • Generational wealth can be created through death benefits
  • Death benefits typically do not go through probate and are not subject to income or state tax
  • Having conversations with clients about mortality is important

[09:20 - 18:44] A Lifelong Investment For Multi-Generational Wealth

  • Integrating the expertise of different professionals
  • Death benefit plays an important role in multi-generational wealth
  • Whole life insurance policy is a simple tool that can provide multiple applications and uses
  • It can be used as an investment for a lifetime and passed on for further lifetimes.

[18:45 - 21:15] Closing Segment

  • John shares his insights into leveraging debt to build generational wealth!
  • Tune in to this episode to learn more about John!


Tweetable Quotes:

“It's important to have an accountant on your team. So that you’re in the know of the, “In’s and Out’s”, and you're not exposing yourself to more tax than you need to.” – John Ensley, ChFC®


“There's no reason not to it's not that hard to do. It's not that expensive to do relatively. I think it really does come down to where we're all uncomfortable with our mortality.” – John Ensley, ChFC®


You can connect with John Ensley, ChFC® through:

Website: J-Ensley Financial

Website: Jump On With John

LinkedIn: John Ensley, ChFC®


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