Whole Life Policy Design

A straight life policy is simply the base of a whole life insurance contract: a level premium that never changes, a guaranteed death benefit, and guaranteed cash value. If you’ve been researching Infinite Banking, it’s the same permanent insurance you’ve already been learning about, just under an older name. People run into “straight life” or…

If You’re Chasing Early Cash Value, Read This First Bruce and I were recording across three time zones, and that detail matters more than you might think because it mirrors what most families are trying to do with their money – coordinate a life that spans seasons, responsibilities, and decades, while the financial world keeps…

What Is Reduced Paid-Up (RPU) Insurance? Somewhere buried in your whole life insurance policy, there’s a provision called the reduced paid-up option. Most people never think about it until they need to. And by then, they’re usually Googling it in a mild panic. So let’s get ahead of that.  Reduced paid-up insurance is a nonforfeiture…

A few weeks ago, something special happened as we kicked off a podcast recording—Joe DeFazio held up a first edition copy of Becoming Your Own Banker by Nelson Nash. It had just arrived in his hands, passed down like a sacred trust. We weren’t in the same room, so Bruce and I couldn’t flip through…

Bruce Wehner discusses the primary components of infinite banking policy design: base premium, paid-up additions riders, and term riders. Following the principles laid out by Nelson Nash in Becoming Your Own Banker, we review the concepts for designing a whole life insurance policy for the Infinite Banking Concept. When Bruce’s father took out a whole…

Imagine you’re constructing the financial equivalent of a dream home, including a solid foundation, spacious rooms, and everything designed to suit your long-term vision. Whole life insurance is like that foundation, providing both stability and flexibility. But what if I told you there’s a secret feature in this financial blueprint—a term rider—that can dramatically enhance…

In today’s blog post, we explore the insights Bruce and I shared while answering listener questions about building a self-sustaining financial system for yourself and your family through the power of whole life insurance, structured for infinite banking. This is more than insurance—it’s about giving you control and freedom. The concept of infinite banking allows…

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…

Want to get an insider’s look at an IBC policy? When it comes to how the Infinite Banking Concept works, the magic is (mostly) in the paid-up additions or PUAs. Let’s go to the IBC lab and talk about PUAs today. What are paid-up additions, and how do they impact your whole life insurance policy?…