This isn’t your grandmother’s Whole Life insurance policy!
To optimize for IBC we 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 policy comparison video with specs from the top mutual companies.
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.
Take the concepts you learned above in the “Whole Life Race Car” video to see how the top companies for Whole Life stack up against each other for both cash value and death benefit performance.
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.
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.
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.
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…
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”
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.
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.
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
This video dispels the myth that Whole Life insurance’s base policy is bad, when in fact the base component of a Whole Life policy may be the most important ingredient. Why? Because the Paid-Up Additions from that Whole Life company will be very similar to the base policy because a PUA is basically a mini-WL policy paid up in one shot.
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.
