Financial Miseducation of the Poor and Middle Class: The Index Universal Life Umbrella

Based on historical facts, Dr. Cowell believes the wealthy (top 1%) are getting ready to take every penny the American people have and we will not see it coming. The Top 1% will accomplish their goals through using the government and controlling how policies and rules will be regulated and dictated. In Dr. Cowell's book, he provides evidence using the power of the Index Universal Life Insurance Policy. This will be the financial tool to protect the poor and middle class. He believes that 98% of Americans today accept as truth that an insurance policy is only use for burial of their love ones. But the wealthy uses it to obtain and control their wealth. If we do not follow the forever changing rules to investments, we will become enslaved at a greater number than before Debt has no color, age, or number But the top 1% will use race, entertainment, television and political misunderstanding as distractions. Changing laws and regulations to remove the protective umbrella of the Constitution away from the American people by enslaving them through debt. You will be left to defend for yourselves. TIME Magazine Feature back in October 19, 2009: Why It's Time to Retire the 401(k). Understand that the system is design to keep people in debt so that others with the financial powers can rule over them. Time for the American people to understand what the Rule of 72 and the power of using it to become debt free. Your Bottom Line starts here today. Financial education from Main Street to Wall Street protecting the next generation of poor and middleclass leaders to run our country for the people and by the people.


About the Author
Dr. Marshall James Cowell was born in Phenix City Alabama and is a certified Heath and Life Insurance agent in the state of Texas. He currently teaches at Park University on International Business and does seminars on Death, Dying, and Bereavement. He also conducts seminars on financial education when needed and is a member of the World System Builders. Dr. Cowell's professional education has a doctorate in Global Business and Leadership with California InterContinental University, Master's in Leadership with Southwestern, and a Bachelor's with Mid America Christian University. He completed 20 years of military service with the United Sates Army and currently resides in El Paso, TX. His current goals in life is educating the poor and middle class in achieving financial success. Ensuring that the communities pass that success from one generation to the next generations by each one teaching one principles.