The Assurance Model – integrating the indexed universal life insurance model with Tardus amortization

They way that Indexed universal life insurance uses call options to generate profits or break-even is a masterpiece. But it’s a masterpiece that takes 10 or so years before you can live high on the hog.

Tardus wealth strategies is a masterpiece based on borrowing small amounts of capital and buying investments with that capital which stack to generate an Income Snowball ™.

Today I thought of the following combination of these ideas:

1. Put $10,000 into an investment that returns 12% over 3 years, amortized. This will yield $332 per month.
2. Then you can do 2 things with that $332 – buy $300 worth of monthly call options and hope the market goes up. Or buy $150 worth of call options and $150 worth of put options and win either way… hopefully for much more than $332.00 we spent.
3. Repeat this every monthly, hopefully earning far more than the projected 12% gain on 10,000 in 3 years.