ACUMENLEGACY
has awarded you a
WHY do I want to help you?
I Want to Empower
Others
I love giving people the tools and confidence to take control of their lives and face the future with certainty.
I Believe in Building Legacies
Helping others create lasting legacies of security and meaning for their loved ones is what drives me every day.
I’m Committed to Leading with Integrity
Trust and honesty guide my work. I take pride in serving others with care and transparency.
My Journey Fuels My Purpose
My experiences have shown me the power of planning, and I’m passionate about helping others find their way.
I’m Driven to Make an Impact
Every life I touch and legacy I help build is a reminder of my purpose: to create a lasting, positive difference.
Family Is My
Foundation
My family inspires me to protect what matters most, and I’m honored to help others do the same for theirs.
HOW can I help you?
John Bauer NIPR # 21375754
Licensed insurance broker and financial professional representing 12 diverse companies and over 200 products. With extensive experience and a true passion for helping others, I’m dedicated to securing brighter futures and building lasting legacies.
Select the Right Coverage for YOU!
Help You select the right life insurance policies tailored to your needs, goals, and financial situations
Customized Coverage Planning:
Help You select the right life insurance policies tailored to your needs, goals, and financial situations
Financial Needs Analysis:
Assess your current and future financial obligations to ensure their loved ones are adequately protected.
Wealth Accumulation Strategies:
Offer policies with cash value growth and investment opportunities to build long-term financial security.
Estate and Legacy Planning: Provide guidance on transferring wealth efficiently to beneficiaries, minimizing taxes, and preserving a lasting legacy.
Policy Reviews and Updates: Regularly review your coverage to ensure it aligns with changing life circumstances, goals, and financial needs.
WHAT can I help you with?
Term Life policies
Whole Life Policies
Universal Life Policies
Annuities
IUL's
Protecting what Maters Most
Tax Free Growth Strategies
Build Wealth Over Time
Million Dollar Baby Policies
Infinate Banking Policies
Leave a Lasting Legacy
FAQ's
What is life insurance, and why do I need it?
Life insurance is a financial safety net that provides your loved ones with a payout in the event of your passing. It helps cover expenses like mortgages, debts, education, and daily living costs, ensuring your family’s financial security.
What types of life insurance policies are available?
Term Life Insurance: Temporary coverage for a set period with affordable premiums and no cash value.
Whole Life Insurance: Permanent coverage with guaranteed death benefit and cash value growth.
Universal Life Insurance (UL): Flexible permanent coverage with cash value tied to interest rates.
Indexed Universal Life Insurance (IUL): Cash value grows based on stock market indexes with downside protection.
Final Expense Insurance: Small Whole Life policy for covering end-of-life costs.
Million Dollar Baby Plans: Policies designed to build long-term wealth for a child’s future.
Infinite Banking Policies: High cash value Whole Life used as a personal financing tool.
and More...
What is Term Life Insurance?
Description: Provides coverage for a set period, such as 10, 20, or 30 years. If you pass away during the term, your beneficiaries receive the death benefit.
Best For: Those seeking affordable, temporary coverage for specific needs like paying off a mortgage or supporting children until adulthood.
Key Features: Low premiums, no cash value, expires after the term unless renewed.
What is Whole Life Insurance?
Description: Offers lifelong coverage with a guaranteed death benefit and a cash value component that grows over time.
Best For: Individuals looking for permanent protection and a savings element to use during their lifetime.
Key Features: Fixed premiums, guaranteed cash value growth, and the ability to borrow or withdraw funds.
What is Universal Life Insurance?
Description: A flexible type of permanent life insurance that combines a death benefit with cash value, which grows based on interest rates.
Best For: Those seeking flexibility in premium payments and death benefit amounts.
Key Features: Adjustable premiums, potential for cash value growth, dependent on market rates.
What is Indexed Universal Life Insurance?
Description: Similar to UL but ties cash value growth to a stock market index (e.g., S&P 500), offering higher growth potential with downside protection.
Best For: Individuals looking for market-linked growth without the risk of losing cash value due to market downturns.Key Features: Growth tied to market performance with a guaranteed minimum, caps on gains, and tax-advantaged income potential.
What is Final Expense Insurance?
Description: A smaller Whole Life policy designed specifically to cover end-of-life expenses, such as funerals and medical bills.
Best For: Older adults or those wanting a straightforward, affordable option to ease their loved ones’ financial burden.
Key Features: Lifelong coverage, lower death benefit amounts, affordable premiums.
What are Million Dollar Baby Plans?
Description: A cash value policy like Whole Life or IUL aimed at building a significant financial foundation for a child’s future.
Best For: Parents or grandparents wanting to save for a child’s education, home, or retirement.
Key Features: Tax-advantaged growth, long-term wealth-building, flexible access to funds.
What is Infinite Banking?
Description: Uses a high cash value Whole Life policy as a personal banking system, allowing the policyholder to borrow against their cash value.
Best For: Individuals looking for a self-financing tool to fund personal or business expenses while still growing their cash value.
Key Features: Tax-free policy loans, continued growth on cash value, and flexibility in repayment.
FYI NOTE: Banks use practices like Bank-Owned Life Insurance (BOLI), similar to the Infinite Banking Concept, to grow tax-advantaged wealth, improve liquidity, and manage capital efficiently.
MY Trusted Partners
