Investing Through Life Insurance: Building Wealth with Protection in Mind
In this educational episode, Darrin is joined by Kwesi Dreams, a Financial Insurance Broker and Coach, for a deep and engaging conversation on how life insurance can be used for more than just protection — it can also be a powerful wealth-building tool.
Kwesi breaks down how certain life insurance policies (like whole life and IULs) can be structured to provide long-term savings, tax advantages, and even investment opportunities. He explains how these tools compare to — and can complement — traditional stock market investing.
This episode is packed with actionable insight for anyone interested in learning how to build financial security, legacy, and long-term growth through lesser-known strategies. Whether you're just getting started or already investing, this is a conversation that bridges education and empowerment.
In this episode, you’ll learn:
- The difference between term and permanent life insurance
- What a cash value life insurance policy is — and how it grows
- How to use life insurance to leverage funds for investing
- The truth about tax-free borrowing against your policy
- Why life insurance can be a low-risk, long-term asset class
- Kwesi’s take on building wealth through protection, not just risk
How these tools serve wealthy families and everyday earners alike
💡 Key Takeaways
- Life insurance can be an investment tool — not just a safety net.
Permanent life insurance (like Whole Life or IUL) can grow cash value over time that you can borrow against or invest. - You can borrow from your policy — tax-free.
Using a properly structured policy, you can access funds without triggering capital gains or early withdrawal penalties. - It's not just for the wealthy.
This strategy is used by high-net-worth individuals, but is increasingly being adopted by middle-income earners looking for tax sheltering and legacy-building. - It’s about diversification, not either-or.
Kwesi explains how life insurance complements stock market investing, especially for people looking for stability.
Understand before you invest.
The episode encourages listeners to get educated and work with professionals who understand these tools — not just policy salespeople.
