1
Protect
A common starting point:
10X income for families
5-10X income + debt for owners
Life insurance in plain English
What’s Your Number?
Protect what matters today.Build what matters tomorrow.
No pressure. No obligation.
Just a simple conversation about your options.
Carrier Partners
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4
Build
Keep protection simple and put the premium difference to work elsewhere.
7
Prosper
Keep the strategy understandable, flexible and centered on your goals.
The idea behind split funding
Buy the protection.
Understand the difference.
Compare the cost of protection, then see what the premium difference could do if kept separate.
One-page comparison
See the Split Funding example.
See the split-funding idea side by side: protection cost, premium difference and separate investing. A very conservative 7X premium — term vs. whole.
Run your own comparison
Term vs. whole life calculator
Need ballpark numbers to start?
Use your age and coverage amount to grab ballpark term and whole-life estimates for the calculator.
Illustrative estimates only — not insurance quotes. Actual premiums vary by age, health, coverage amount, carrier, underwriting class and policy design.
WHY 11.2%?
100 years of S&P 500 history Based on historical total returns: 30-Year Rolling Periods - 11.00% average CAGR 20-Year Rolling Periods - 10.71% average CAGR 10-Year Rolling Periods - 10.57% average CAGR Trailing Periods (2006-2026) ending 2026 YTD - 14.00% average CAGR
Monthly premium difference
$0
Projected separate account
$0
Term + invest the difference
Death benefit during term$0
Total term premiums$0
Total contributed separately$0
Projected separate account$0
Whole life premium
Policy death benefit$0
Total premiums paid$0
Premium paid above term$0
Estimated cash value (80% of premiums)$268,000
Hypothetical educational comparison only. The term and whole-life premiums shown are not quotes from a specific carrier or policy. Whole-life cash values are illustrative assumptions and are not based on a carrier illustration. Actual premiums, guarantees, cash values, dividends and benefits vary by product and underwriting. Investment returns are not guaranteed, and historical performance does not guarantee future results.
About 147
A simpler way to think about life insurance
I’m Greg Rosar. My goal with 147 is simple: help you understand how much protection you need, what it costs, and the tradeoffs — in plain English.
No pressure. No complicated insurance language. Just a straightforward conversation.
Why protection matters to me
My dad was in the life insurance business. When he died at 59, we found his Rock of Gibraltar policy paperwork — but the policy had lapsed.
My mother couldn’t afford to keep our home, friends and family helped with funeral expenses, and she eventually lost the home as well. That experience stayed with me.
Having had life insurance isn’t the same as having protection in force when your family needs it. The right amount matters — and so does a premium you can comfortably keep in force.
Business owners face another kind of risk
Through my work in mergers and acquisitions, I’ve seen owners spend decades building valuable companies while much of their family’s financial future remains tied to the business.
Life insurance can protect the family’s number while the business remains the wealth-building engine.
Unfortunately, about 80% of owners are at risk because of failed successions or failed exits.
For owners, a simple starting point is 10× income + business debt.
BUSINESS OWNERS
Complimentary Annual Valuation Updates for Life
Your business value changes over time - your strategy should too.
Start here
Let’s Start With a Simple Conversation
Tell me what you’re looking for, and I’ll help you understand your options.
Protect what matters.
Build what matters.
Prosper on your terms.
“The only thing we got is doing what’s right.”
— Art Williams