TOP 100 MAGAZINE

Landon Cheben, NSDQ, RLTW

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Life Insurance: The Tool You Didn’t Know You Needed

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From an early age, Landon Cheben recognized the transformative power of continuous learning. This conviction led him through West Point, 11 years of active-duty service, including eight in the Army’s elite 160th Special Operations Aviation Regiment (SOAR), and onward as a real estate investor, airline pilot, and father. Each role reinforced his belief in fully understanding every available resource to solve problems and optimize outcomes.

 

One resource he finds particularly misunderstood is life insurance. As Will Rogers famously stated, “It’s not what people don’t know that gets them in trouble; it’s what they think they know that just ain’t so.” For many, life insurance serves merely to cover final expenses or provide for loved ones after death. However, this narrow view overlooks its most powerful features: building generational wealth, optimizing taxes, and ensuring financial security during retirement or a health crisis.

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Today, Landon is part of Insuring Impact, a team of financial educators dedicated to shedding light on the full potential of life insurance. Their approach centers on a simple framework called the OPM cycle—Management, Protection, and Optimization:

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1. Management: Establish a solid financial foundation, including emergency reserves and cash-value life insurance for accessible, compounding funds.

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2. Protection: Safeguard that foundation with living benefits that can cover everyday expenses if someone is sidelined by chronic illness or injury—so hard-earned savings remain intact.

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3. Optimization: Leverage wealth-building strategies to grow assets over time, mitigate risks, and capitalize on tax efficiencies.

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Insuring Impact aims to help individuals look beyond the conventional “death benefit” mindset. Drawing on his background in Special Operations, where every tool’s full capability must be understood, Landon emphasizes the many ways life insurance can protect against market downturns, supplement retirement income, and offer a financial safety net when life takes an unexpected turn.

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Each plan is tailored using modern FINTECH tools, ensuring it aligns with an individual’s unique goals and situation. Landon believes the real advantage comes from knowing how a financial vehicle works, rather than simply being told what to buy. The payoff, he insists, is a profound sense of empowerment: when people discover life insurance can be a cornerstone of a resilient financial strategy, they often realize there is far more to it than they ever imagined.

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By encouraging others to explore beyond what they think they know, Landon hopes to inspire a mindset of lifelong learning. Whether someone is focused on real estate, entrepreneurship, or preparing for retirement, understanding the full scope of life insurance can open new possibilities for building and protecting a financial legacy. To connect with Landon or Insuring Impact to learn more, see the information below.

 

 

Landon Cheben, NSDQ, RLTW
Founder and Producer
Insuring Impact

Email: landon.cheben@gmail.com
Website: https://insuringimpact.com

LinkedIn: https://www.linkedin.com/in/lcheben/