This isn’t your grandmother’s Whole Life insurance policy!
To optimize for IBC we use a combo of custom riders are added to maximize cash value performance.
Learn about the sum of the parts in our “Whole Life Race Car” video. Then watch the latest company comparison video with specs from the top products.
Below that are loads of articles & videos to delve deeper into exactly how Whole Life works for IBC
– John “Hutch” Hutchinson
Confused about how Whole Life works for IBC? Learn how Infinite Banking retrofits a traditional Whole Life policy with a combination of riders to optimize cash value performance both early & long term.
See how the top companies for Whole Life stack up against each other for both cash value and death benefit performance in a video case study.
Paid-up Additions are mini single-premium Whole Life policies that can only be purchased as an add-on to a larger ordinary policy. They are purchased either by dividends or a PUA rider and then stacked onto the base Whole Life insurance policy, accelerating its overall performance for Infinite Banking and retirement planning.
Most people think Whole Life dividends work like stock dividends. They don’t. They’re not necessarily tied to company profits, they’re not guaranteed, and the dividend interest rate you see online does not equal the actual return of your cash value.
Mutuality means you have a piece of ownership in the issuing company when buying one of their participating Whole Life policies. Stock companies are owned by shareholders. Anyone can buy stock, whether they’re a customer or an outside investor.
The fact that Whole Life insurance is guaranteed to grow every year no matter what makes it the most attractive asset to use as your own private bank. This article explores how Whole Life’s guaranteed growth works, and how best to optimize that for infinite banking or using Whole Life for retirement.
Become your own banker in 5 simple steps. Re-engineer whole life insurance to be your own bank and create infinite compounding (even when borrowing).
Whole Life insurance is meant to complement not replace your retirement portfolio. Its protected growth & tax-exemption make Whole Life an ideal retirement buffer, not to mention its death benefit can allow you to spend more of your portfolio while you’re alive.
Which dividend paying whole life insurance has the best whole life policy? See comparisons from a cash value calculator & dividend history charts…Which dividend paying whole life insurance of 2022 has the best whole life policy? See comparisons from a cash value calculator & dividend history charts…
Comparing IUL vs. Whole Life seems like it would be a simple task, but oftentimes you’re comparing apples to oranges. Below we categorize the various benefits of Whole Life vs. IUL so you can see which product has an advantage and where they are equal.
This article takes a deep dive into understanding the key drivers behind what qualifies the best dividend-paying Whole Life companies to be an ideal fit for the Infinite Banking Concept. The amount of features and riders available on Whole Life can be overwhelming when it comes to specifically designing it for Infinite Banking and cash value performance.
What if you have extra cash to dump-in a HUGE 1st year premium into a Whole Life insurance policy for infinite banking. Certain carriers even have a special to add a big first year premium. But is this optimal? Hutch explores how the extra death benefit needed for this rider may not be the optimal design and shows some other customized alternatives.
This video goes back in time to look at the fickle & fluctuating interest rates on high-yield savings vs. deploying that money into a 10-pay Whole Life policy. You’ll find that the smoother & steadier growth of Whole Life plus its immunity to taxation makes it a more attractive option.
This video goes back in time to look at the fickle & fluctuating interest rates on high-yield savings vs. deploying that money into a 10-pay Whole Life policy. You’ll find that the smoother & steadier growth of Whole Life plus its immunity to taxation makes it a more attractive option.
To efficiently become your own banker with Whole Life insurance, it’s important that your policy isn’t so big you can’t stuff it full of premium, but not so small that you shut the door on future contributions. This video shows how the same premium amount interacts with different size policy and policy riders
Minimizing an underperforming Base policy to buy more underperforming PUAs will lag an optimized policy with both the best-performing Base & PUAs.
This video discusses the 2 distinct ways that Whole Life insurance policy can provide income in retirement. See the effect of bleeding down a policy with withdrawals then loans, as well as how the policy behaves when taking only dividends in cash.
Is Whole Life insurance better for children or their parents when using whole life insurance for infinite banking or tax-free retirement income? This video takes an in-depth look at a juvenile whole life policy and compares it to a similar policy on the parents. The results are shocking!
People often wait to get their Whole Life insurance started for infinite banking when they get fearful about the future. See examples of waiting an entire year to start a bigger Whole Life banking policy vs. starting smaller now and blossoming into bigger premiums later. The results will shock you.
People tend to consider Whole Life’s growth in a vacuum, rather than consider all the utility it has both pre & post retirement. This video goes over how Whole Life is more than just a better place to safely store cash, but how it unlocks the potential growth and usage of other retirement funds in the process.
[Video] Hutch explains how Whole Life can help you to maximize your government Pension Maximization. It’s relevant for all governmental employees. The example shown features Hutch’s wife and her teacher pension as an example.
This video explores how Whole Life insurance can be designed to have a range of flexibility. Explore how you can pause overfunding or stop premiums altogether after 7 years, or continue funding for multiple decades.
Using IUL for Infinite Banking offers the “potential” for better long-term growth & immediate positive arbitrage on borrowing. However, using Indexed Universal Life for IBC also adds additional risk for the policyholder.
