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. Start with the Infinite Banking Concept.
Right now, you have a fantastic opportunity to use whole life insurance as a place to store cash, build capital reserves, get better than bank rates on savings, AND the ability to earn never-ending compound interest, even WHILE you’re using the same money for something else. And you don’t have to qualify to access your…
Considering Infinite Banking, or IBC, but still a little skeptical? In this episode, we’re talking with Dr. Robert P. Murphy, a free-market economist, who has testified before Congress on energy markets and monetary policy and has given many interviews on TV and radio. He is the author of hundreds of articles and several books on…
Are you considering whole life insurance and want to know which is better: Direct vs. non-direct recognition life insurance companies? What does it mean? Why does it matter? How does it impact your policy’s average rate of return? And should it be a part of your decision-making process? In this episode, we discuss the why,…
Do you want to use whole life insurance to store cash, build an emergency/opportunity fund, and create a legacy, but you wish you’d learned about this concept when you were younger? Do you feel like you’re too old for the Infinite Banking Concept (IBC)? Fortunately, it might not be too late for you to get…
I heard whole life pays dividends — but what does that really mean? This question comes up constantly when we talk with business owners and high-earning professionals about Privatized Banking. And honestly, I get it. The world of whole life insurance dividends can feel a little murky. Confusing. So we brought in someone who knows…
Do you have a life insurance policy you’re concerned may not last, lacks guarantees, or may lapse, and you’re wondering how you could trade it in for a better model? The good news is that you have options, and you’re not stuck forever! Enter: the 1035 exchange. But, a strong word of caution: you need…
We frequently discuss high cash value life insurance here at the Money Advantage, yet with the financial uncertainties of COVID-19, how safe are life insurance companies? How strong is the life insurance industry really? What impacts do today’s low-interest rates, economic turmoil, and the pandemic have on my long-term growth rates and the policy guarantees?…
Not all whole life policies are designed equally. Some that show up better on an illustration actually have a higher risk. Rodney Mogen came back on the show to continue the conversation about life insurance agent commission and whole life policy splits. We address the “Fear, Uncertainty, and Doubt” in the IBC world…
Considering a 10/90 premium split (Base/PUA) policy design with a Blended Term PUA Rider for an IBC policy over a design truer to Nelson Nash’s original 33/67 split? Was it because someone showed you that you can get more cash value in Year 1? Or an earlier break-even point, and still outperform the cash value…
Are you a wealth creator with a need to have access to cash in the safest way that puts you in control? Velocity Banking shows up again and again as a solution to pay off your home faster and save interest. It even appears as the ideal way to store up equity in your house to use for…
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