This is the "Golden Era" of fixed assets. This is the best time in 40+ years to establish an index product! This is due to many factors, including higher bond yields (interest rates).

 

Index annuities and Index Universal Life (IUL) allows you to: 

Grow your money safely, without market risk. Principle is guaranteed. Once gains are locked in, they are guaranteed against market loss.
Double digit potential annual returns on good market years with no losses on bad market years.
Ability to lock-in gains at any time.
Strong fixed interest option. If interest rates remain high and/or increase, you have good options.

How to ensure you have the highest potential upside gains:
We are independent and have access to 50+ annuity companies, including all the top carriers.
There are 600+ index options. 
We have proprietary software that provides the one-, 5-, and 10-year historical returns of the index options. There is a wide variation in index returns (0 - 17% average 10-year annual returns). Without this info, an agent or advisor is "flying blind".

This is the "Golden Era" of fixed assets. This is the best time in 40+ years to establish an index product! This is due to many factors, including higher bond yields (interest rates).
&nbsp;
Index annuities and Index Universal Life (IUL) allows you to:&nbsp;
Grow your money safely, without market risk. Principle is guaranteed. Once gains are locked in, they are guaranteed against market loss. Double digit potential annual returns on good market years with no losses on bad market years. Ability to lock-in gains at any time. Strong fixed interest option. If interest rates remain high and/or increase, you have good options.
How to ensure you have the highest potential upside gains: We are independent and have access to 50+ annuity companies, including all the top carriers. There are 600+ index options.&nbsp; We have proprietary software that provides the one-, 5-, and 10-year historical returns of the index options. There is a wide variation in index returns (0 - 17% average 10-year annual returns). Without this info, an agent or advisor is "flying blind".

Your Personal Bank is a powerful financial tool often used by banks, corporations, and the wealthy.


No other financial vehicle comes close to giving you the advantages of a properly structured and maintained Your Personal Bank policy. The Your Personal Bank concept is often misunderstood by many people, including most legal, tax, and financial advisors. Lack of information and improperly structured policies are frequently the cause. 

Your Personal Bank is a powerful financial tool often used by banks, corporations, and the wealthy.
 No other financial vehicle comes close to giving you the advantages of a properly structured and maintained Your Personal Bank policy. The Your Personal Bank concept is often misunderstood by many people, including most legal, tax, and financial advisors. Lack of information and improperly structured policies are frequently the cause.

Your Personal Bank

11/15/25 How Index Annuites and Index Universal Life provide Unlimited Potential without Downside Market Risk

Ferenc shares deeply personal triumphs and tragedies that affected his life. This will help you better understand how he comes to his ideas and conclusions.

Ferenc shares deeply personal triumphs and tragedies that affected his life. This will help you better understand how he comes to his ideas and conclusions.

12/20/25 Ferenc Personal Story

Officially, there are 53 million foreign-born people in currently in the US. That is about 1 in 7 people. 
This is higher both in total number and percentage than the peak of the Ellis Island period. 
42 million people currently are on the food stamp program (SNAP). 48% are illegal aliens, 34% are legal immigrants. Neither should be receiving benefits.
Ellis Island immigrants mostly wanted the opportunity of the American Dream.
Millions of current immigrants, both legal and illegal, do not want to assimilate or contribute. They are freeloaders. If an immigrant you cannot afford food, they should go home. Taxpayers should not have to pay for food for people who should not be here. 
Fewer people equals lower cost of housing, rent, food, and insurance. Fewer people equal less crime, less crowded schools and hospitals.

Officially, there are 53 million foreign-born people in currently in the US. That is about 1 in 7 people.&nbsp; This is higher both in total number and percentage than the peak of the Ellis Island period.&nbsp; 42 million people currently are on the food stamp program (SNAP). 48% are illegal aliens, 34% are legal immigrants. Neither should be receiving benefits. Ellis Island immigrants mostly wanted the opportunity of the American Dream. Millions of current immigrants, both legal and illegal, do not want to assimilate or contribute. They are freeloaders. If an immigrant you cannot afford food, they should go home. Taxpayers should not have to pay for food for people who should not be here.&nbsp; Fewer people equals lower cost of housing, rent, food, and insurance. Fewer people equal less crime, less crowded schools and hospitals.

12/13/25 The Solution to the Affordability Problem is Less People Who Don't Belong Here

Index Annuities and Index Universal Life products sometimes receive a bad reputation due to low returns.

 

To win a horse race you need a fast horse and a good rider.

 

The index is the horse. An index that has a strong history of returns is more likely to continue significant future returns vs an index that has never produced decent returns.

 

The Index Performance Report shows the 1, 5, and 10  year returns of indexes offered by index annuities and index universal life policies. There are 50+ insurance companies and 600+ index options. About 80% of the indexes average low single digit returns while about 20% indexes of the indexes have 10-17% average annual returns for the past 10 years. The Index Performance Report is the only way to find the indexes that offer the highest potential returns. 

 

Index returns are not typically public info. It is difficult to find. The Index Performance Report provides the return history. This is proprietary software. Very few advisors/agents have access to this info. Most are not aware this info is available. Without the index return history the agent/advisor has to rely on marketing recommendations and is mostly "flying blind". This is game-changing.

 

Ferenc also shares when to use and not to use a bonus and common misconceptions regarding cash (accumulation) value and guaranteed lifetime income.

Index Annuities and Index Universal Life products sometimes receive a bad reputation due to low returns.
&nbsp;
To win a horse race you need a fast horse and a good rider.
&nbsp;
The index is the horse. An index that has a strong history of returns is more likely to continue significant future returns vs an index that has never produced decent returns.
&nbsp;
The Index Performance Report shows the 1, 5, and 10 &nbsp;year returns of indexes offered by index annuities and index universal life policies. There are 50+ insurance companies and 600+ index options. About 80% of the indexes average low single digit returns while about 20% indexes of the indexes have 10-17% average annual returns for the past 10 years. The Index Performance Report is the only way to find the indexes that offer the highest potential returns.&nbsp;
&nbsp;
Index returns are not typically public info. It is difficult to find. The Index Performance Report provides the return history. This is proprietary software. Very few advisors/agents have access to this info. Most are not aware this info is available. Without the index return history the agent/advisor has to rely on marketing recommendations and is mostly "flying blind". This is game-changing.
&nbsp;
Ferenc also shares when to use and not to use a bonus and common misconceptions regarding cash (accumulation) value and guaranteed lifetime income.

11/15/25 How Index Annuites and Index Universal Life provide Unlimited Potential without Downside Market Risk

Your Personal Bank

In 1 playlist(s)

Your Personal Bank

Social links

Follow podcast

Recent clips