Unlock your potential in Finances with Mibsam Wealth
Expert guidance and proven strategies to achieve financial goals successfully
About
At Mibsam Wealth, we’re dedicated to revolutionizing the way people approach the financial planning.
With years of experience and a passion for helping others succeed, Mibsam Wealth leads our team of expert financial planners.
Our Services
What we do
01
Infinite Banking
with Liquility
Our expert team will guide you through infinite banking, crafting a personalized plan to build wealth, maximize cash flow, and create long-term financial independence using whole life insurance.
02
Final Expense
Strategies
Our solutions utilize tailored insurance strategies to cover final expenses efficiently, ensuring your loved ones are protected from financial burdens and your legacy is preserved with care and dignity.
03
Over 20 Top A+
Rate Carriers
Our partnerships span 20 top financial and life insurance companies, combining cutting-edge solutions with over 100 years of collective expertise to deliver trusted, high-value protection and long-term financial security.
Blog
Insights & Analysis
Market Trends and Analysis
Reimagine Your Future with Quility and Ethos
Risk Management Strategies
Does Your IMO Offer You True Independence?
Business Opportunity Insights
People of Color are Still Missing the Financial Lifeboat
Ready to Elevate Your Financial Game?
Explore Our Range of Tailored Services and Take the First Step Towards Financial Freedom Today!
“I’ve been relying on Mibsam Wealth’ portfolio management services for several years now, and I couldn’t be happier with the results. Their team of experts took the time to understand my financial goals and risk tolerance, crafting a customized investment strategy that has consistently outperformed the market.”
Mark Johnson
Investor
F.A.Q.
Find answers to commonly asked questions about our services and financial strategies
Would you rather put your money in the bank, or where the bank puts their money?
Let’s think about that for a second.
When you put your money in a traditional bank, you’re typically earning 0.01% to maybe 1% in interest—if you’re lucky. Meanwhile, the bank takes your money and invests it in vehicles like indexed accounts, bonds, or insurance companies—places that have the potential to earn 12%, 15%, even up to 20% annually, depending on market performance.
Now here’s the real question:
Why not skip the middleman and do what the bank does?
That’s exactly what an Indexed Universal Life (IUL) policy allows you to do.
✅ It grows your cash value tax-deferred
✅ It’s linked to the market, not in the market—so your principal is protected
✅ You get the potential for double-digit growth (12%, 15%, even 20% in great years)
✅ You can access your money tax-free for retirement, emergencies, or opportunities
Banks use life insurance as one of their safest and most profitable assets. They even call it “Tier 1 Capital”—meaning it’s where they park money they cannot afford to lose.
So next time someone asks if you’d rather keep your money in the bank or where the bank puts their money…
The answer should be clear:
I’d rather grow my money like the bank—through an IUL.
How would you like me to show you how to use the same dollar twice?
Most people think once a dollar is spent or invested—it’s gone. But what if I told you that with the right strategy, you can put that same dollar to work in two places at once?
That’s exactly what happens with an Indexed Universal Life (IUL) policy.
Here’s how:
🔁 You fund your IUL with after-tax dollars. That money begins to grow, linked to the market, not in it—so you can potentially earn 12%, 15%, even up to 20% in good market years, without risking your principal.
💼 But here’s where the magic happens: once your cash value builds up, you can borrow against it—and still earn interest as if the full amount is untouched.
That means:
➡️ One dollar is growing inside your IUL at a compound interest rate,
AND
➡️ That same dollar is working outside the policy—whether you’re using it to fund a business, pay for college, invest in real estate, or even enjoy life.
It’s called leverage. And the wealthy have been using this concept for generations.
Banks do it. Corporations do it. Now you can too—with the right financial tool.
So again:
How would you like me to show you how to use the same dollar twice?
Because with an IUL… it’s not just possible. It’s powerful.
What if there was a way to never stop compounding on your money eve if you use it?
Sounds impossible, right?
But that’s exactly what happens when you use an Indexed Universal Life (IUL) policy correctly.
Here’s the concept:
💡 In a regular savings account, once you withdraw your money, the compounding stops.
But with an IUL, your cash value keeps compounding—even if you access it.
How?
Because you don’t withdraw the money—you leverage it.
✅ Your money stays inside the policy, continuing to grow—potentially at 12%, 15%, even 20% depending on index performance.
✅ Meanwhile, you borrow against your cash value and use that money however you like—tax-free.
✅ And your original balance keeps compounding as if it was never touched.
It’s like having your cake… and renting it out at a profit, too.
This is how the wealthy protect, grow, and access their money without interrupting growth. It’s not a secret. It’s just not commonly taught.
So ask yourself:
What if you never had to interrupt compounding… even while using your money?
Now you do—with an IUL.
What if you could take loans against your money and never have to pay it back?
Sounds like a dream, right?
Well, with an Indexed Universal Life (IUL) policy, that dream becomes a financial strategy.
Here’s how it works:
💰 You fund your IUL. That money starts growing inside the policy, tied to an index like the S&P 500—not invested directly in it.
📈 So you’re protected from market crashes, but still enjoy the upside—12%, 15%, even 20% returns in good years.
Now here’s the game-changer:
When you need access to that money, you don’t withdraw it—you borrow against it.
➡️ Your money keeps growing inside the policy, untouched.
➡️ And you use the insurance company’s money, not your own.
But wait… what about paying it back?
✅ These loans don’t require a monthly payment.
✅ There’s no credit check.
✅ And if structured correctly, you don’t ever have to pay it back during your lifetime.
Because one day—when you pass away—the loan is simply deducted from the death benefit.
And your family still receives a tax-free legacy.
So you used your money, kept it compounding, and passed wealth down… without ever writing a check back to the insurance company.
Tell me—what other financial vehicle lets you do that?