Learn About Whole Life Insurance - IBC's Building Block

This isn’t your grandfather’s Whole Life policy!

Learn how we retrofit traditional Whole Life with a combo of riders in our “Whole Life Race Car Analogy” video below to understand how the different components interact with each other.

– John “Hutch” Hutchinson ChFC®, CLU®
Founder of BankingTruths.com

Whole Life’s Riders and Growth Components (Part 1: Concept)

Whole Life’s Riders and Growth Components (Part 2: Examples)

What Are Mutual Insurance Companies vs. Stock Insurance Companies?

Learn how the different types of insurance company ownership structures impact you when you’re looking into buying some sort of permanent life insurance policy.

Whole Life Dividends Explained + Dividend History By Company

Whole Life dividends are one of the most attractive features of using a policy building your own private family bank. This article explores common dividend myths, how to maximize dividends while accumulating wealth, and how to best distribute them when using Whole Life for retirement.

PUA Rider increase your Whole Life cash value's guaranteed cash value growth curve by adding Paid-Up Additions

Paid-Up Additions (PUA) Rider: The Secret to Accelerating Whole Life Insurance

Paid-Up Additions (PUA) are mini chunks of whole life insurance stacked onto an ordinary whole life policy acting like a turbo-charger of sorts. Because paid-up additions are completely paid-up in one shot, a PUA increases your Whole Life’s policy’s guaranteed cash value & death benefit. Paid-Up Additions can be added via a PUA rider or by electing it as the primary dividend option.

Paid-Up Additions stack onto a base whole life insurance policy

Whole Life’s Guaranteed Growth and 4 Ways to Accelerate it for Banking

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.

Best Dividend Paying Whole Life Insurance for Cash Value & Why

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…

With infinite banking life insurance you can do reduced paid up or premium offset

What is Reduced Paid-Up Insurance (RPU)? One of Whole Life’s Non-Forfeiture Options

Whole Life’s “Reduced Paid-Up” (RPU) non-forfeiture option is a guaranteed policy provision meant to be used as safety measure. However, doing an RPU can also maximize cash value growth whenever you are ready to cease paying premiums on your Whole Life policy. This article compares doing an RPU vs. a premium offset where you use dividends to achieve “vanishing premiums”

How Safe Are Life Insurance Companies?

The human brain was wired to protect us from impending doom by falling into a state of fear and avoidance. Even after you start grasping the indisputable power of building your own bank with life insurance, your brain may eventually meander to the worst-case scenario even though you’re on the right track. This article will discuss both the explicit and implicit protection mechanisms in place for permanent life insurance.

Comparison of whole life vs indexed universal life features

IUL vs. Whole Life Insurance: Key Differences Explained in Detail

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.

Learn About Whole Life Insurance - IBC's Building Block

Whole Life’s Riders and Growth Components (Part 1: Concept)

Whole Life’s Riders and Growth Components (Part 2: Examples)

What Are Mutual Insurance Companies vs. Stock Insurance Companies?

Whole Life Dividends Explained + Dividend History By Company

Paid-Up Additions (PUA) Rider: The Secret to Accelerating Whole Life Insurance

Whole Life’s Guaranteed Growth and 4 Ways to Accelerate it for Banking

Best Dividend Paying Whole Life Insurance for Cash Value & Why

What is Reduced Paid-Up Insurance (RPU)? One of Whole Life’s Non-Forfeiture Options

How Safe Are Life Insurance Companies?

IUL vs. Whole Life Insurance: Key Differences Explained in Detail

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