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IBC Crash Course For 2023’s Rate Volatility > Paying Off IBC Loans During High Rates (The IRR)
Lesson 2 of 7

Paying Off IBC Loans During High Rates (The IRR)

Loan payments are always an unwanted expense. But when handled properly, Whole Life loan payments can actually produce a solid positive long-term IRR.

Sure you could just withdraw and have no interest payments, but since PUAs keep compounding, this video meausres the efficiency of different payback scenarios compared to just withdrawing. 

Notable Timestamps:
3:20 – When does it make sense to float a Whole Life loan with interest only
5:53 – Comparing paying down principal & interest vs. interest only on your Whole Life loan
9:03 – What if I just start a new PUA instead of paying loan interest on the old PUA

If you’ve done enough research, and realize this is something you want to pursue for yourself… take a quick moment to book a slot on our team’s calendar before jumping back into the video course!

Next Lesson
Rising Interest Rate Effect on Whole Life & IBC​
Paying Off IBC Loans During High Rates (The IRR)
Prime vs Policy Loan Rate
Arbitrage Potential and Top-Line Compounding
Testing Policy Sizes for IBC’s Optimized Whole Life
Cost/Benefit Analysis of Whole Life’s Early Fees
[BONUS] Ultimate Guide On Whole Life Design Secrets

Lesson Materials:

[Article] – How Life Insurance Loans Work
https://bankingtruths.com/how-life-insurance-loans-work/

[Video] – How Soon Can I Borrow from Whole Life Designed for Infinite Banking
https://bankingtruths.com/when-can-i-use-my-bank/