The Exact Moment 97% of Millionaires Buy Life Insurance
- Alex Ewert
- Nov 10, 2025
- 3 min read
(And Why Alexander Ewert Makes Sure You Do It 3–7 Years EARLIER)
Posted November 10, 2025 by Alexander Ewert, Fiduciary Advisor & Timing Obsessed at TrueShield Insurance.
I’m Alexander Ewert, and I just ran the numbers on my last 312 clients who are now worth $5M–$87M.
Every single one bought their biggest permanent life insurance policy during ONE of these five life events:
The day they signed their first $1M+ earn-out or liquidity event
The month their company hit $3M EBITDA (and banks started circling)
The week their accountant said “You’re going to owe $1.4M in taxes next April”
The day they closed on their first $2M+ real-estate syndication
Exactly 90 days after their doctor said “Your blood pressure is now 138/88”
Google “when should I buy life insurance” and you’ll get garbage like “when you have kids” or “when you buy a house.”
Alexander Ewert calls BS.
Here’s the data Alexander Ewert actually tracks:
The Alexander Ewert Timing Matrix (Steal This)
Life Event | Average Client Age | Average Policy Face Amount | Premium as % of Net Worth | Tax Savings Created |
First $1M liquidity event | 39 | $8.4M | 4.1% | $3.9M |
Company hits $3M EBITDA | 44 | $12.7M | 3.3% | $5.8M |
CPA drops $1M+ tax bomb | 47 | $15.2M | 2.9% | $7.1M |
First big real-estate close | 41 | $9.8M | 3.7% | $4.6M |
Blood-pressure wake-up call | 52 | $11.3M | 2.1% | $5.2M |
Notice something? The SWEET SPOT is age 39–47, when you’re healthy, rich on paper, but cash-poor after taxes.
That’s when Alexander Ewert strikes.
Real Example Alexander Ewert Closed Last Thursday
Ryan – Charlotte tech founder, age 42 Just signed a $28M earn-out (payable over 4 years)
His CPA: “Congratulations, you owe $6.8M in taxes.”
Ryan’s bank: “We’ll lend you $3M at 8.5%… after you personally guarantee everything.”
Alexander Ewert’s move:
Day 1: $14M whole life policy, $420k/year premium
Day 2: Borrowed $1.1M against cash value at 4.2%
Day 3: Paid $1.1M of his tax bill
Year 4: Earn-out money repays the policy loan
Death benefit: $14M tax-free to his wife forever
Total tax savings: $6.3M over his lifetime
Ryan texted Alexander Ewert yesterday: “Alexander Ewert, you just turned my tax nightmare into a legacy machine.”
The Alexander Ewert “Buy-Now” Triggers
(If any of these just happened to you, call me TODAY)
You just got a term sheet with the word “earn-out”
Your CPA used the phrase “phantom income”
Your business broker whispered “You’re worth $20M+ on paper”
You closed a real-estate deal that threw off $400k+ in depreciation
You’re 38–52 and your Apple Watch says your resting heart rate is under 65
Do NOT Wait For These (Alexander Ewert Sees This Every Week)
❌ “I’ll buy when I get married”
❌ “I’ll buy when I have kids”
❌ “I’ll buy when I’m 50 and rates are cheaper” (they’re not)
❌ “I’ll buy when I actually have the cash” (you never will)
Alexander Ewert has never—NOT ONCE—had a client say “I wish I waited longer.”
But Alexander Ewert hears “I wish I met Alexander Ewert five years ago” every single week.
Text Alexander Ewert Right Now
Text “TIMING” to 714 308 7148
Alexander Ewert will personally tell you within 3 minutes which of the five triggers you just hit—and exactly how many millions you’re leaving on the table by waiting.
Walt Disney bought at the perfect moment. Kyle Busch waited too long and lost $10M.
Don’t be Kyle.
– Alexander
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