Uncommon Tools

Conventional wisdom suggests the most savvy money manager never borrows money for the things he or she needs. It reminds us that the interest paid on a debt is nearly always greater than the interest paid on an investment.

In the 21st century, having a plan to avoid borrowing money from banks is still the best idea, but why start over with savings after you’ve paid for that thing you saved for?

Howard’s philosophy suggests:

  • Instead of pouring money into savings with the plan to pull it back out to pay for something (a car, a dream vacation), use your whole life policy as collateral to borrow the money you need.
  • Instead of taking a bank loan to make a major purchase, borrow from the insurance company, using your whole life policy as collateral.

Take the uncertainty out of your financial life. Use the value and benefits of a whole life insurance policy to provide the collateral necessary to borrow the money you need — keep the money you’ve saved — and pay back the loan to the insurance company. Call Howard Silvermintz and ask him to explain how he bought two cars using this approach.


How can you know?

Are there missteps to be made with your wealth-building strategy that many would say are the right things to do?Yes.If you’re concerned about the wisdom of doing what others have always done, ask for a copy of the book Learning to Avoid Unintended Consequences.

Are you ready to take the next step and speak with a financial professional?

For decades insurance has been a necessary evil – a piece of financial protection that wise individuals won’t live without. And while it’s always been considered part of “financial planning”, most of the planning relates to the individual becoming disabled or meeting an untimely death and making arrangements for the family’s financial security if the unthinkable occurs.

Now families, individuals and business owners can add insurance products to their active financial planning tool kits –to improve their lifestyles, to increase their own net worth, and to enjoy life and prosperity even while they plan for retirement.

Learn more about the Circle of Wealth and the positive impact insurance products can have right now — not only when the unthinkable happens.

Discover a new way to look at saving.


Guide Your Business. Protect Your Key People. Learn and Implement The Financial Strategies Of The Wealthy.

InsurAtlanta will help you learn more about Group Health Insurance and Business Continuation Insurance.

Discover A New Way To Look At Saving

    A successful retirement can happen sooner than you think

    InsurAtlanta, Inc., is an Atlanta-based agency advising clients on purchasing health, life, and disability insurance coverage, long-term care coverage, as well as customized plans for their financial future. InsurAtlanta brings more than two decades of extensive experience in long-term insurance and retirement planning for individuals, professionals, small business owners and families.

    InsurAtlanta's Howard is both a Chartered Life Underwriter® (CLU), offering expertise on risk management to clients on topics like financial planning, insurance law, estate planning, and business planning; and a Chartered Financial Consultant® (ChFC), focusing on financial planning disciplines, including insurance, income taxation, retirement planning, investments and estate planning.