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)

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.

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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.

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Next Steps:

Better Understand The Basic Concept of IBC

Learn More About How IBC Borrowing is Different

Whole Life Arbitrage with Synthetic Non-Direct Recognition

Watch the Advanced IBC Crash Course

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