Million Dollar Babies
Could a Baby You Know Be a Million-Dollar Baby?
Imagine this: the baby in your life—your child, your grandchild, your godchild—grows up to be a millionaire. Not because they won the lottery or struck it big on social media, but because of a smart financial move made before they could even walk.
What if you could give a child a financial head start that grows quietly and steadily over time?
What if there was a way to build wealth, protect their future, and give them access to money for college, a first home, or even their own business—all without depending on the stock market?
Unlike traditional life insurance, which only pays out upon death, cash value life insurance (like whole life or indexed universal life policies) builds savings that grow tax-deferred over time. These funds can be accessed later—tax-free—via policy loans or withdrawals. The earlier the policy is started, the more time it has to grow. And when you start a policy for a baby, you lock in the lowest possible rates and the longest possible time horizon.
It’s not just about insurance. It’s about creating legacy, liquidity, and leverage. Its giving thinking smarter vibes.
Could that baby you love be a millionaire by age 30, 40, or 50—thanks to a decision you make today?
When you do everything right-and it all still goes wrong
It all begins with an idea.
In 2008, the world changed.
The housing market crashed, Wall Street imploded, and millions of hard-working Americans watched their retirement savings vanish almost overnight.
You remember it, don’t you?
Americans were doing everything right—contributing to their 401(k), trusting their employer’s plan, watching their balances grow. The American dream was dreaming.
And then suddenly… gone. Years of hard work, wiped out in a matter of weeks.
Some people had to delay retirement. Others went back to work.
Many are still trying to recover.
And the worst part?
They didn’t do anything wrong.
What if there was a way to
NEVER
be in that position again?
That’s exactly why I do what I do now.
After spending years working in a totally different career, I saw firsthand how fragile “traditional” retirement plans really are.
So I started learning everything I could about how the wealthy actually protect and grow their money—and that’s when I found it:
A strategy called infinite banking that lets you build your own private bank, earn uninterrupted compound interest, and safeguard your money—no matter what happens in the stock market.
I build customized plans that:
Don’t crash when the market does
Don’t rely on Wall Street to survive
Don’t take a hit when the next “2008” happens
Because the truth is—another crash is coming. We don’t know when, but we do know it’s just a matter of time.
And the next time it happens, you deserve to be ready.
You’ve worked too hard to leave your future to chance.
If you’re still relying on a 401(k) in the stock market to get you to retirement I’m here to tell you, you don’t have to take big risks to build wealth—you just need the right strategy.
👇
Your money should work for you. Not for Wall Street.
And definitely not for the next crash.
Let’s safeguard your future, starting today.
kelly forbes has a mission
It all begins with an idea.
“My mission is to empower you with financial knowledge and life-changing strategies—using insurance as a tool, not just a policy. Through fun education, one on one consults and the power of insurance, I help everyday people break free from debt, build generational wealth, and create lasting financial freedom.”
QUIZ: What Type of Life Insurance Is Right for You?
It all begins with an idea.
Take this quick quiz to find out what coverage fits your life and goals best!
write down your answers , then scroll to the bottom to score yourself !
1. How long do you want your life insurance coverage to last?
A. Just until my kids are grown / mortgage is paid
B. For my entire life
C. I want it to last forever AND build money I can use while I’m alive- I want to access this money tax free
2. What’s your top priority?
A. Getting the most coverage for the lowest price
B. Leaving a legacy and guaranteed coverage
C. Growing wealth safely and using it during my lifetime
3. What’s your budget like?
A. I need something affordable right now
B. I can pay more for long-term value
C. I’d rather pay more if I can access the money later
4. How comfortable are you with financial planning tools?
A. I like to keep it super simple
B. I don’t mind paying more if it’s reliable
C. I want something flexible that helps me grow money safely
5. What sounds most like you?
A. “I just want to make sure my family is okay if something happens to me.”
B. “I want lifetime protection and to build value I can leave behind.”
C. “I want protection and a way to grow money tax-free while I’m alive.”
RESULTS:
Mostly A’s: Term Life Insurance
You’re practical and want to protect your loved ones—without breaking the bank. Term life gives you solid coverage for a set number of years. Great for growing families, new homeowners, or anyone on a budget.
Mostly B’s: Whole Life Insurance
You want peace of mind for life. Whole life gives you permanent coverage with fixed premiums and guaranteed benefits. It’s ideal for people who want to leave a legacy and don’t want to worry about outliving their policy.
Mostly C’s: Indexed Universal Life (IUL)
You’re thinking long-term and want your money to do more. IUL offers lifelong protection and a way to build wealth tax-free—with no risk from market crashes. It’s great for retirement planning, business owners, and smart savers.
Dive in a little deeper- drop your email - find out if you’re under insured, over insured or on target
The hidden risk: Why Employer Insurance isn’t usually enough to protect your family"
It all begins with an idea.
The Hidden Risk: Why Employer Insurance Isn’t Enough to Protect Your Family
Many people breathe a sigh of relief knowing they have life insurance through their job. It feels like a safety net — one less thing to worry about. But here’s the truth: relying solely on employer-provided life insurance could leave your loved ones vulnerable.
Most group life insurance policies offered by employers provide coverage equal to one or two times your annual salary. That might sound like a lot, but when you factor in mortgage payments, debt, education costs, and everyday living expenses — it often falls short. Way short.
Worse, this coverage usually ends when you leave the job. Whether you change careers, get laid off, or retire, your life insurance can disappear overnight — and qualifying for a new policy at that point might be harder and more expensive. You may even be uninsurable except for a small final expense policy.
What can you do?
Supplement your employer coverage with an individual life insurance policy. It stays with you no matter where you work and can be tailored to meet your family’s real financial needs. It’s not just about having insurance — it’s about having enough and when possible, using it as a wealth building tool.
Your job’s life insurance is a good start. But for real peace of mind, take control of your coverage. You deserve more than the bare minimum.