Ethan Kap came across a 101 plan, a whole life dividend paying insurance policy, and it quickly changed his life. He sold all his stock and quickly funded a 101 plan. It's been one of the smartest financial decisions he's made. Each day the stock market goes up or down, his money only continues to grow. Since then Ethan as been devoting himself to get the message out about the safety and security of little known and underutilized tools that could help thousands of Americans. In the book "The Richest Man in Babylon" one of the keys is not to lose your principal. Sadly Americans have lost sight of this simple truth and gamble with their live savings each day. Fortunately a 101 plan is a way to help reverse this horrible trend.