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.
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.
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.
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.
The Infinite Banking Concept’s most complete article ever written. Learn what is IBC, who started it, Infinite Banking Concept pros & cons, plus Whole Life policy best practices and design techniques. Use our clickable table of contents to easily navigate through this comprehensive IBC learning resource.
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.
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”
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.
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.
This video answers the age-old question of whether you get both the cash value and the death benefit from a life insurance policy when you die, or just the cash value. The truth of the matter is, you get to choose whether you want both or not. Life insurance is similar to everything else in life, you get what you pay for.
People often delay when it comes to starting a life insurance policy, or they start with a smaller policy to get comfortable with it. What they don’t realize is how much future income they’re costing themselves by waiting. See the time value of money effect in this 3-minute video.
Decode the murky debate between Direct vs Non-Direct recognition loans. Plus you’ll learn some infinite banking alternate loan strategies to optimize leverage and enhance total performance.
Do you think interest rates will rise in the future? Examine the historical dividend performance of an actual max-funded Whole Life policy from 1980 as dividends spiked sharply then fell well lower than originally illustrated for the final 20 years. Higher dividends can’t be illustrated on current policies, but perhaps this study can give you an indication of how things could look.
Confused by all Whole Life’s moving parts? This video explains the the conceptual interplay between all of Whole Life’s riders & growth components using a race car analogy. Then we put numbers to these concepts so you can learn the optimal way to design a Whole Life policy for infinite banking and why.
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.
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.
Whole Life insurance is known for its strong guarantees. Although this feature is key to its safe and steady growth, it is often overplayed and even misunderstood. A Whole Life policy too stacked in the guaranteed column may be detrimental, especially if interest rates rise in the future.
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!
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.
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.
Wondering how rising rates affect Whole Life dividends & cash value? This video goes into a detailed study using historical data.
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.
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Hope you enjoy the loads of content above explaining how private banking & retirement strategies work with properly-structured life insurance.
Whether you’re looking for the high-level concepts or the focus details in various case studies we got you covered.
For those ready to take their learning to the next level you can book your own complimentary no-pressure consult here to have your questions answered and your own personalized case study modeled out. We find the light-bulb finally goes on once clients see the concept through their own numbers.
