Privatized Banking

In today’s show, Todd Langford joins us to dig deeper into Indexed Universal Life. He is the CEO and developer of Truth Concepts financial calculators, better known as a financial Truth Teller.  In this valuable conversation, we uncover the fundamental uncertainty of indexed universal life insurance further.   Recently, we had a conversation about the…

Indexed Universal Life Insurance can seem attractive.  At some point in your Infinite Banking research, you’ve probably even heard about using IULs instead of whole life insurance.  Consequently, we get a lot of questions about whether IULs are better than whole life.  This is usually because the illustrated values are better than for whole life,…

Should I cancel my whole life insurance? Not so fast! Before you make that decision, read this first. No matter your reasons, you need to know what happens if you stop paying whole life insurance premiums and why canceling is rarely your best move. At some point, you saw the value in owning whole life.…

Economic Value Added (EVA) is a little-known, but impressively effective measure to boost your profitability. Coca-Cola, AT&T, Quaker Oats, CSX, and Briggs and Stratton helped the term rise to prominence when they adopted economic profit, or EVA, in the 80s and 90s.  Focus on this insightful accounting measure resulted in an overwhelming increase in business…

When buying life insurance coverage, most people don’t have a complete map.  Without all the information to make the best decisions, many people make mistakes that lead to buyer’s remorse.  But you don’t have to worry, you can recognize and sidestep the common pitfalls people make. Don’t end up frustrated, discouraged, unsatisfied, or without protection…

How do you find the best life insurance companies?  You want only the strongest, most stable companies to ensure the best results over the long-term.  But what criteria do you use to evaluate and discover which companies are, in fact, the best?  Is there an objective measure, or is it a matter of personal opinion…

Why would I borrow against my life insurance instead of getting a bank loan? You might be thinking, I could get a great rate from the bank because I have a good credit score. You might be right, but do you want to rely on that? Let me propose this idea to you. Back in…

Life insurance loans are one of the superpowers of the Infinite Banking Concept. They create a powerful financial tool when structured as dividend-paying whole life insurance designed for uninterrupted compound growth. These loans from life insurance policies make the cash value of specially-designed life insurance an ideal pool of capital for your investing strategy.  Life insurance…

A typical whole life insurance policy won’t give you the high early cash value and long-term growth you need for Infinite Banking.  As enticing as its certainty and control are to wealth creators, it’s not enough. You’ll need enhancements to convert your policy from a slow equity-builder into one that you can use quickly. Cash-value…

Although Trump’s Tax Reform cut taxes in many ways, millions of Americans will see taxes increase in 2018.  The lower standardized deduction and the $10K cap on deductions for SALT (State and Local Taxes) will primarily affect those in the upper-middle to mid-upper class.   Consequently, tax planning is becoming a growing priority for an increasing…