Send Out Cards Campaigns

Four Done-For-You Send Out Cards drip campaigns are in place and ready for your use at
Send Out Cards

Send your SOC distributor number. She will then share the campaigns with you so you may edit references to Kim Butler inserting own personal info

Pre Pathway Campaign

Card 1: Send Immediately After Q&A Explore Session

Card 1

Card 2:  Send 7 Days After Immediate

Card 4

Card 3: Send 14 Days After Immediate

Card 2

 Card 4: Send 21 Days After Immediate

Card 4

Pathway Process Campaign

Card 1: Send Immediately

Card 2: Sent 1 Week After Immediate


Card 3: Sent 2 Weeks After Immediate

Card 4: Sent 3 Weeks After Immediate

Card 5: Sent 4 Weeks After Immediate

Card 6: Sent 5 Weeks After Immediate

ppCard 6b

Card 7: Sent 6 Weeks After Immediate

Card 7: Sent 6 Weeks After Immediate

Card 8: Sent 7 Weeks After Immediate

Card 8: Sent 7 Weeks After Immediate

Post Pathway Process Campaign

Card 1: Sent Immediately


Card 2: Sent 3 Weeks After Immediate


Card 3: Sent 6 Weeks After Immediate


Card 4: Sent 9 Weeks After Immediate


Card 5: Sent 12 Weeks After Immediate


Card 6: Sent 15 Weeks After Immediate

Life Insurance Campaign

Card 1: Sent Immediately


Card 2: Sent 7 Days After Immediate


Card 3: Sent 14 Days After Immediate


Prosperity Profile Campaign

Card 1: Sent Immediately


Card 2: Sent 4 Days After Immediate


Card 3: Sent 8 Days After Immediate


The Book: Live Your Life Insurance by Kim D. H. Butler

Live Your Live Insurance

by Kim D. H. Butler | on Amazon (paperback, kindle and audio)

PAGE 1)   Part 1 Building Wealth for Life

PAGE 17)  Part 2 Living With Your Cash Value CLUE (control, liquidity, use, equity)

PAGE 23)  Phase 1  The Start-Up Phase, Years 1-5 (years not age)

PAGE 27)  Phase 2  The Leverage Opportunity and Investment Capability  Phase-Years 6-30

PAGE 34)  Capsule concepts  How One Dollar Can Do Many Jobs

PAGE 39)  Part 3 Using Your Death Benefit While You Are Alive

PAGE 41)  Phase 3   Spending Other Assets-Years 20-40   

PAGE 46)  Phase 4   Using The Death Benefit or Face Value While Living-Years 41-50

PAGE 53)  Phase 5   Setting Up The Family Bank-Years 51+

PAGE 57   Part 4    Glossary and Working Parts Definitions

Working parts definitions:

  1. Premium
  2. Cash value (guaranteed portion)
  3. Dividends that purchase automatic paid-up additions (PUA’s)
  4. Gross cash value = (b + c) (though some companies call this net cash value)
  5. Automatic paid-up additions
  6. Manual paid-up additions
  7. Waiver of premium
  8. Death benefit or face amount
  9. Increasing death benefit
  10. Interest charged on borrowed cash value
  11. Owner
  12. Insured
  13. Automatic premium loan (APL)
  14. Reduced paid-up (RPU) policies
  15. Opportunity cost
Drip Email Campaigns

Drip Email Campaigns

Here are sample Drip emails for use in taking a client through PATHWAY

EMAIL #1: The First KEY to Wealth

Your BRAND/LOGO here

Subject Line: Saving Isn’t Just for Emergencies

In Busting the Financial Planning Lies, Kim Butler wrote about the Prosperity Ladder™.

It’s a simple concept showing the actions required to go from Poverty all the way to Prosperity.

Work takes people from poverty to subsistence. And SAVING takes people from subsistence to comfort.image081

Without saving, we’re “okay” only if “everything is okay.” If the car breaks down, if the dog gets sick, if the roof leaks, we find ourselves in debt or behind on bills.

A healthy emergency fund takes care of those issues. But what then?

Most people start plugging money into their 401(k) or other investment accounts where their money gets “locked up” for many years to come.

This might sound attractive in a way. You might even think, “I don’t want easy access to my retirement money!”

But leaving your dollars under someone else’s control means you can’t USE and CONTROL the equity you build!

And when your dollars are subject to endless fees, future taxes, and even market RISK, then your dollars are benefiting someone else.

Building LIQUIDITY by SAVING – above and beyond your emergency fund – is the first KEY to creating prosperity.

We’re programmed to think about saving all wrong.

Typical financial advice tells us to skip saving and go straight to investing. We’re told to split up our money into a 401(k), IRA, 529, and so on. But this prevents us from having liquidity and flexibility.

To understand more about the problem with typical financial advice on saving, read our article: “Financial Flexibility: Saving Too Much in All the Wrong Places?”

When we don’t have liquidity, we lose control of our dollars and compromise our ability to build real wealth! To learn more about how saving paid ENORMOUS dividends for 4 well-known entrepreneurs, read:

“Saving Right: Is Your Emergency Fund Ready for Opportunities?”

To Prosperity,

YOUR signature

P.S. I’m NOT talking about putting all of your savings in bank savings accounts where it earns next-to-nothing (and what it does earn is taxed!) For the SHOCKING truth about “bank security,” watch for my next email.

In the meantime, just reply to this email if we can help you get started saving, investing, or earning income with your nest egg.

EMAIL #2: Is it SAFE to Save in the BANK? (The Shocking Truth!)


Subject Line: Banks are BROKEN

We believe that saving money is the FOUNDATION of wealth. But where can you save where your money can keep pace with inflation AND be safe?

We all know that rates are at their rock bottom, but you may be blissfully unaware of all of the potential threats to your savings from theft, civil asset forfeiture, cyber-crimes, bank melt-downs and prying eyes.

We believe you would be wise to diversify savings as well as investments. We wrote this article to alert our clients to critical issues within the banking system:

“How Safe is Your Money? FDIC Insurance and Fractional Reserve Banking.”

What about FDIC insurance protection of $250k?

As Ike Devji, an asset protection attorney states, “many professionals I deal with, including a former bank president in the Southwest, have described that limit as a placebo. They believe the FDIC would actually be insolvent in the event of a major run on the banks. If you remember correctly, the limit was increased to $250,000 only four years ago to prevent such a run.”

FDIC insurance may make us feel more secure, but it can only back up a small percentage of bank deposits before the house of cards would fall.

Then there’s the problem of crime, confiscation, creditors and lawsuits! It will probably never happen to you, but sometimes those who should be protecting us are the ones we need protection from. You’ll be shocked by the stories in this popular article:

“Is It Safe to Save in the USA?”

So where CAN you save? An excellent alternative is where BANKS are keeping much of THEIR cash… in high cash value life insurance.

Why are banks socking away  many billions in life insurance – in increasing amounts every year since the Great Recession – while peddling certificates of deposit to their customers? We’ll explain in our next email.

To Prosperity,

your signature

P.S. We’d love to give you more information about this savings alternative! Simply reply to this email, or call us at xxxxxxxx during business hours.

EMAIL #3: Where BANKS Save THEIR Money!


Subject Line:  Why Bank-Owned Life Insurance is on the Rise

As I mentioned in the last email, banks are not saving their own money in certificates of deposit, nor are they putting their own dollars in the stock market.

At an increasing rate, banks are putting their “Tier 1” assets (their best, most secure capital) into high cash value life insurance:

“The Banker’s Secret: Life Insurance as an Investment?”

According to, bank holdings of permanent life insurance (known as BOLI, or bank-owned life insurance) continue to increase, reaching $149.6 billion in 2014.

Why are banks buying life insurance? According to

“Some have asked why BOLI is still such an attractive asset choice for banks. Briefly, the tax-deferred interest generated by a fixed income BOLI policy is typically substantially higher than a bank can earn on other investments with a similar risk profile… BOLI provides a competitive yield, currently in the range of 3.25 percent to 3.50 percent after all expenses are deducted, which translates into a tax equivalent yield of 5 percent to 5.4 percent.”

High Cash Value Whole Life Insurance is P4P’s cash alternative. It has paid dividends for well over 100 years, in every sort of economy and it grows cash much faster than any savings account, money market, or certificate of deposit when held long-term.

Mutual insurance companies also offer protection that banks can’t even offer, because insurance companies aren’t leveraged or taxed like banks.

This alternative way of saving increases your financial security, flexibility, privacy, and long-term returns. There’s a lot to like about life insurance, even if you don’t have heirs to consider.

If you do have spouses, children, or grandchildren, there are profound multi-generational benefits of using whole life insurance, which you’ll learn more about in our next email.

To find out more about this banking alternative and get an illustration showing how a policy may perform, contact us at xxxxxxxxx, or simply reply to this email.

We help clients in all 50 states via the phone and internet, and we look forward to hearing from you!

To Prosperity,

your signature

P.S. So where do you store your cash?

Prosperity Pitfalls List and Pitfalls Responses

Prosperity Pitfalls

When it comes to the financial products you have and strategies you use with them, we’ve found many of our clients stumble unknowingly into “prosperity pitfalls”.

If you’re curious, take the next 5 minutes to identify if there are any prosperity pitfalls lurking among your own prosperity pathway.

  1. _ No _ Yes   Are your vehicle and home insurance deductibles as high as possible?
  1. _ No _ Yes   Do you have a liability umbrella?
  1. _ No _ Yes   Do you have medical and disability insurance?
  1. _ Yes _ No    Are you using only term life insurance?
  1. _ No _ Yes   Do you have a current will or trust?
  1. _ No _ Yes   Have you appointed guardians for your minor children?
  1. _ No _ Yes   Do you have a place for important papers?
  1. _ No _ Yes   Are you saving money on a regular basis?
  1. _ Yes _ No    Are you compounding or reinvesting in a taxable account?
  1. _ Yes _ No    Are you dollar cost averaging into mutual funds?
  1. _ Yes _ No    Are you using only the stock market for building wealth?
  1. _ Yes _ No    Are you using only real estate for building wealth?
  1. _ Yes _ No    Are you using annuities to build wealth?
  1. _ Yes _ No    Are you contributing to 529 plans or uniform gifts on minor’s accounts?
  1. _ Yes _ No    Are you contributing more than the match to 401(k)s or 403(b)s?
  1. _ Yes _ No    Are you adding new money to IRSs and Roth IRAs?
  1. _ No _ Yes   Are you counting opportunity costs?
  1. _ No _ Yes   Are you learning how to use your death benefit while living?



If you have checked more than 10 boxes in the left column:

You’re facing a lot of pitfalls and we recommend you call us immediately; the sooner you address these pitfalls, the faster you’ll accelerate your prosperity and avoid “opportunity costs”.

If you checked 5-10 boxes in the left column:

You’re in decent shape, but addressing these pitfalls can accelerate your prosperity even more; we would suggest you contact us and we can help you address these areas.

If you checked less than 5 boxes in the left column:

You are doing well.  Even so, why not eliminate the opportunity costs associated with these remaining pitfalls?  Doing so will only accelerate your prosperity even more.  Contact us and we’ll help you step on the accelerator!

  1. Does it surprise you we suggest high deductibles. This is only if you have cash to pay the deductibles, of course.  You’ll want to THINK of this as an “opportunity cost” decision.  High deductibles mean lower premiums, even if only slightly lower, for many years.  How long will you drive a car or own a home?
  2. Liability umbrellas cover you above and beyond standard car and home insurance for bodily injury, property damage and other liabilities. Many agents never bring these up because they are small and inconvenient to write.  Yet as soon as you start to build any wealth, SEE how you can protect that wealth.  The personal liability policy is the simplest form of asset protection to acquire.  Further steps are trusts, limited partnerships, and corporations.
  3. Medical insurance obviously pays hospital bills and possible prescriptions. Disability insurance pays you so you can pay your bills.   Many people have these benefits at work, yet know very little about them.  Your questions should be: a) what is the maximum amount?  b) What is the deductible or waiting period?  c) How much is the premium?  Make sure you SEE the big picture.
  4. We say “only” term because its costs (premium plus opportunity cost) exceed its benefits if you have no future strategy to convert the term to permanent – preferably whole life. Term is fine for a short to medium period of time but proves inefficient over time.  Make sure you are MEASURING your opportunity costs.
  5. Current being the operative word here, defined by being less than 5 years old. However, the more important issue is that the documents reflect your current wishes and current tax law.  Be aware that any year could bring a potential estate tax law change that may render all documents obsolete.
  6. Your will or trust should appoint a guardian for minor children or the state will do it for you in the event both parents die. The state has no knowledge of your family, so please don’t let this pitfall catch anyone off guard.  THINK for yourself how you would like this handled.
  7. Important papers, such as wills and trusts, pictures of your possessions in your house, closets, cupboards, even treasured family photos can all be stored on line. CONTROL of your documents is critical.
  8. Saving 15 – 20% of your gross income (no matter how large or small it is) is one of the most important steps to take towards prosperity. Boring but effective: constant saving to your Prosperity FLOW Through Account will be the fuel that feeds all other investments as well as your own financial freedom.
  9. Typical financial planners extol the “miracle of compound interest” yet rarely discuss the underlying taxes and opportunity costs that implode the account (not to mention the management fees). Reinvesting should rarely occur in a taxable account.  Instead, ask for the interest, dividends and capital gains (short and long term) to be paid in cash to your PFT Account so your earnings will be MOVED through another asset.
  10. Dollar cost averaging is the financial institution’s way to get you to help them build assets they use, even though the asset is in your name. Adding money on a monthly basis (FLOW) is a good thing to do, but potentially more effective into your PFT Account, where you aren’t trying to track basis (very difficult to do in a dollar cost averaged account).
  11. The stock market always has been a roller coaster ride. While there can be effective ways to increase your prosperity in it, we find that management fees and opportunity costs erode the value.  Consequently using only the stock market is a pitfall since it subjects you to lack of CONTROL.  Ask your Prosperity Economics Advisor™ to show you the whole truth about management fees on the Truth Concepts Accumulation Calculator.
  12. Similarly to using only the stock market, using only real estate is a pitfall as well because it too has high and low periods of time which you can’t CONTROL. Importantly, many owners don’t know the true ROI on their particular deals.  Ask your Prosperity Economics Advisor™ to quantify your ROI on the Truth Concepts Real Estate Calculator.
  13. We view deferred annuities as a potential prosperity pitfall due to your inability to MOVE the money through the product. Additionally, while they are tax deferred, income from them is taxed on the LIFO method, meaning last in first out, so it’s taxed on earnings first and at income tax rates, not capital gain tax rates.  We acknowledge there are some cases where both deferred and immediate annuities may be helpful.
  14. Your desire to educate your children often causes pitfalls in the form of money being locked up into 529 plans and other government sponsored accounts. These only do one job and, due to the opportunity costs one must MEASURE, are very ineffective because those dollars are now gone from your wealth forever.
  15. While we could argue that the entire qualified plan arena (401k, 403b, IRA, etc.) is a pitfall, we’ll focus here on contribution levels above any match. It’s clear that any dollars in these plans are unable to MOVE through them and consequently those dollars are limited.  Funding them above match maximums hinders true prosperity
  16. Adding new money or additional savings is smart. You always want to be conscious of the FLOW of income towards prosperity, and adding 15 – 20% of your income is good.  However, locking it up in IRA’s and even Roth’s limits its usefulness so we view these as pitfalls.
  17. Opportunity costs are a basic economic concept that should be applied to every financial decision you make, yet typical financial planning rarely addresses them. Opportunity cost is the value of the best alternative given up.  Make sure you MEASURE costs in building wealth, such as educating children, management fees, term life insurance premiums, etc.
  18. Using your death benefit during your 80’s and 90’s is an easy way to MULTIPLY dollars easily. The strategies required to do this are spelled out in the book available at and may require a Prosperity Economics Advisor™ to tailor a strategy for you.