Whole Life Product Articles & Videos

Whole Life insurance is one of the most misunderstood financial products in existence. So often is it criticized by biased competitors and also misused and inefficiently designed by its practitioners. Yet it remains the most stable and versatile assets when used as the ultimate cash equivalent and private banking hub. Explore our vast library of articles & videos on the crux of Whole Life as a product.
John "Hutch" Hutchinson
Founder of BankingTruths
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ARTICLES
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VIDEOS

HUTCH'S FAVORITES

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

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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Banking Truths Team

Whole Life’s Riders and Growth Components Explained

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.

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Hutch

A Historic Whole Life Policy’s Fluctuating Dividends

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.

Learn More »

ARTICLES

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

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.

Read More »

Whole Life Dividends Explained

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.

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The Infinite Banking Concept Explained

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 your this comprehensive IBC learning resource.

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VIDEOS

A Historic Whole Life Policy’s Fluctuating Dividends

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.

Watch Now »

Whole Life’s Riders and Growth Components Explained

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.

Watch Now »

The Cost Of Waiting (3-minute video)

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.

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Whole Life Can Be Flexible Too

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.

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Whole Life's guarantees make the infinite banking concept so appealing

Whole Life’s Guaranteed Growth

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.

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Whole Life 4 Kids?

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!

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Cash Value + Death Benefit – Do I Get Both?

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.

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ADVANCED LEARNING CONTENT

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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.

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