What happens if you die without life insurance?

A lot of people think they don’t need life insurance, but we believe this couldn’t be further from the truth.

Whole life insurance guarantees payment of a death benefit to beneficiaries in exchange for regularly-due premium payments.

Why is death benefit important?

In the videos below, we dive into the top reasons you need this protection for yourself, your family, and your business. 


In this short episode, Co-Founder Rick Sapio tells a personal story of a close friend who suddenly passed away without any life insurance in place, leaving his family and business without the protection they needed.

What happens if you die without life insurance?

We never know when storms may arise in our lives, but what we do know is that they inevitably will. We have seen this scenario play out hundreds of times. If you die without life insurance, your family will have to worry about all of your final expenses, including paying for your funeral, dealing with any taxes or debts, and even scarier, they will have to decide what to do with your business. Watch the full video.

Recent changes to estate tax laws have the potential to devastate families and create financial burdens for your children if you were to pass away, especially for real estate investors who have substantial illiquid assets.

It’s important to understand and plan for these changes while you still can. Learn what estate planning is, what the current rules are, and how these new changes will affect your estate tax planning going forward. Watch the full video here.

In this episode, Gino Barbaro discusses why he purchased whole life policies for each of his 6 kids. One day they will need a place to put their savings, and what better place than in a strategy with many benefits, that can grow tax-deferred, and with the ability to take money out in the future tax-free.

We all want to provide a great life for our children, even if something were to happen to us. A whole life policy can be leveraged by your children for things like college, weddings, vacations, mortgage down payments, and more! Watch the video here.


15 Investing Considerations

Rick Sapio’s 15 Investment Considerations

It’s not how much you make in your investments that matters. It’s more about how much you DON’T lose. 100 Year REI Co-Founder Rick Sapio created his “List of 15 Investing Considerations” to help people take a more conservative approach to investing.


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Stock Market Wake Up Call

A Stock Market Wake-Up Call

Read the story of John Shedenhelm, who was sucked into the risky stock market craze in the late ’90s.  He describes his first “wake-up call” losing with Index Universal Life Insurance (IUL) because of the tie to the performance of a market index.

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The Journey of Generational Wealth

The Journey of Creating Generational Wealth

Find out where you are on the Journey of Creating Generational Wealth. How much do you know about whole life insurance and leveraging it for wealth building? Dive into the 4 Personas of the Journey and see how you identify yourself.

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Pros and Cons of the Dual Asset Strategy

Top 5 Pros and Cons of the Dual Asset Strategy

The Dual Asset Strategy has so many benefits, but it’s not for everyone. As much as we think this strategy should be a tool in the 100 Year Real Estate Investor’s toolbox, there are a few drawbacks to consider. Check out our list of the top 5 pros and cons here.

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7 Facts About Specially-Designed Whole Life Policies

7 Facts: Our Specially-Designed Policies

The Whole Life Insurance Policies offered by the 100 Year Real Estate Investor are specially-designed. This means they work harder toward achieving your financial objectives, no matter what they may be. Here are 7 facts about our specially-designed strategies that may not be true about typical whole life policies.

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The Barbell Investment Strategy

The Barbell Investment Strategy

The Barbell Investment Strategy is a very straightforward way for long-term investors to position their wealth into three distinct buckets. The two most important buckets of this investment strategy are represented by the heavyweights on both sides of the barbell, with the bar across the middle being the third, less important bucket.

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How Policy Loans Work

How Policy Loans Work

Your specially-designed whole life policy allows you to borrow against the cash value without interrupting the compounding of your cash value. In other words, you continue to grow the dollars you borrowed as if you never touched them…

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Tax Tornado Warning Issued For Your Finances

Take shelter for your money immediately! Bills have already been introduced to congress proposing tax increases. Let’s face it… Taxes are going up, and they’ll affect everyone, not just the wealthy…

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Dave Ramsey Has Whole Life Insurance Wrong?

Dave Ramsey is well known as an influential radio talk show host in which he gives his opinion on the best ways to get out of debt, save more money,…

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Energizing Your “Lazy” Money

Learn how to energize your “lazy” money and make it work harder for you.

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What Is Whole Life Insurance?

What is Whole Life Insurance? And how can the 100 Year REI Team support your policy buying decisions.

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Our Team Can Help

The 100 Year REI Team is ready to help you create a financial strategy that will allow you to simplify your real estate investment business immediately. Schedule a free, no-obligation consultation with us today.