Infinite Banking & Whole Life

Explore how Infinite Banking uses properly designed whole life insurance to build accessible cash value, support financing decisions, and create durable family capital. This hub covers the fundamentals, policy design, policy loans, insurers, dividends, and product tradeoffs.

Why I Use Infinite Banking, with Wesley Smith

By Rachel Marshall / May 9, 2022 / Comments Off on Why I Use Infinite Banking, with Wesley Smith

It’s time to showcase another client who’s building an Infinite Banking System for himself and his family. Meet Wesley Smith, real estate investor, business owner in the digital marketing space, husband, and dad. To find out why he’s been using Infinite Banking for the past 7 years, and how it’s helping him in his business,…

Infinite Banking Objections, Answered

By Rachel Marshall / April 25, 2022 / Comments Off on Infinite Banking Objections, Answered

Have you heard about Infinite Banking, but somehow feel left with a bad taste in your mouth and you’re not sure why? We are airing some of the biggest Infinite Banking objections most people have in regards to whole life insurance. So, whether you’ve heard that it’s trash value insurance, it’s more expensive than term,…

TMA on the Banking with Life Podcast

By Rachel Marshall / March 14, 2022 / Comments Off on TMA on the Banking with Life Podcast

This week we have the pleasure of joining James Neathery on his podcast, Banking with Life. If you want to better understand the importance of life insurance as a foundational tool, and how it integrates into a family banking system…tune in now! Show Notes: 0:00 James Neathery introduces The Money Advantage team: Rachel Marshall, Lucas…

Financing with Infinite Banking

By Rachel Marshall / February 28, 2022 /

Why is financing with Infinite Banking better than paying cash? Today, we’re answering a listener question about the Infinite Banking Concept. And we’re going back to Nelson Nash’s book, Becoming Your Own Banker to explain the concept. So, if you want to better understand the Infinite Banking Concept and how it helps you make more…

What Is a Modified Endowment Contract?

By Rachel Marshall / January 31, 2022 / Comments Off on What Is a Modified Endowment Contract?

What is a Modified Endowment Contract, and what does it have to do with life insurance? If you’re using Infinite Banking as a savings tool, you want to avoid having your policy become a MEC. But what exactly are modified endowment contracts? How does it change the taxation on your life insurance policy? Why does…

Church Financing Alternatives

By Rachel Marshall / January 19, 2022 / Comments Off on Church Financing Alternatives

Like a business, churches and other non-profits have a need for financing. Today, we’re discussing options to keep the church financing in-house. So, if you want a strategic financing strategy that guarantees your church or other 501(c)3 would never lack the funding to accomplish the most important mission of all… tune in now! Funding Not-For-Profits…

The Ugly Truth About 10/90 Infinite Banking Policies – James Neathery

By Rachel Marshall / January 3, 2022 / Comments Off on The Ugly Truth About 10/90 Infinite Banking Policies – James Neathery

Want maximum immediate liquidity with an IBC policy? Planning to fund a 10/90 infinite banking policy and then take max loans to fund real estate? Are these double-dipping returns too good to be true? STOP. Listen to this first. The allure of making an IBC policy better than even the creator of the term IBC…

7702 Whole Life Insurance Dividends Update (2021) Part 2

By Rachel Marshall / December 6, 2021 / Comments Off on 7702 Whole Life Insurance Dividends Update (2021) Part 2

Are you considering whole life insurance, but want to know more about the new products the life insurance companies have released in response to the 7702 changes in 2021? How a whole life dividend rate is computed? Is cash value life insurance improving? Well, the new products are finally here! Let’s dive into the 7702 whole…

7702 Whole Life Insurance Updates

By Rachel Marshall / November 29, 2021 / Comments Off on 7702 Whole Life Insurance Updates

Are you considering whole life insurance, but want to know more about the new products the life insurance companies have released in response to the 7702 Whole Life Insurance updates in 2021?  The new products are here. What does the 7702 tax code mean for whole life insurance? Tune in now to get the need-to-know…

Whole Life Insurance Dividends and Interest Rates

By Rachel Marshall / November 15, 2021 / Comments Off on Whole Life Insurance Dividends and Interest Rates

How are whole life insurance dividends and interest rates faring in this low interest rate environment? Is today’s long stretch of low interest rates a bad sign for whole life insurance in the future? Today, we’re having a candid conversation about today’s interest rate environment, the impact on bond rates and prices, and how that…

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