The Letter
One idea a month, worth your time.
Once a month, The Letter carries one idea from the program: how a home purchase is paired with a separately owned, premium-financed life insurance policy, what the numbers look like, and what can go wrong. Written for households with $5M or more, and the agents and advisors who serve them.
No countdowns and no noise. When a letter is not worth your time, it is not sent — and you can leave with one click.
01Subscribe
The next issue, to you.
Your address goes to the letter and nothing else. It is not sold or shared, and unsubscribing takes one click.
New readers receive three short welcome letters over nine days — what the letter is, how the structure works, and what can go wrong — then the monthly issue begins.
02What a letter carries
The same voice as the site.
Short sentences. Exact figures, marked as illustrations where they are illustrations. The instrument named plainly: a premium-financed indexed universal life insurance policy.
- I
The structure, in plain words.
How the mortgage and the policy stand beside each other, what you pay and when, and the year the source of the payment changes. One idea per issue, never more.
- II
The numbers, as numbers.
Where a figure exists, the letter gives the figure — and says which figures are illustrations from stated assumptions, because they always are.
- III
The risks, from us first.
Crediting, loan rates, collateral, the lender's exit. You should hear what can go wrong from the people who manage it, before you hear it from anyone else.
Every issue carries the same compliance block as the site: figures are illustrations, not outcomes, and any personal proposal is delivered one-on-one by a licensed insurance agent on a carrier-compliant illustration. The full text is on the disclosures page.
From the people who do the work
Written by Kent Chesley and Paul Finestone.
Kent leads the real estate side and receives every inquiry personally. Paul designs the financial instrument and its financing. What the letter says is what they would tell you across a desk.
Rather read first? The same ground, at your own pace: