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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
ARTICLES
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VIDEOS
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HUTCH'S FAVORITES

Whole Life acts like a swiss army knife in retirement

Whole Life Insurance For Retirement

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.

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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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ARTICLES

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.

Read More »

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 this comprehensive IBC learning resource.

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Whole Life acts like a swiss army knife in retirement

Whole Life Insurance For Retirement

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.

Read More »

VIDEOS

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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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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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.

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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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Two Ways Whole Life Pays Income

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.

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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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Are Big 1st Year Premium Dump-ins Good with Whole Life 4 IBC?

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.

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FREE PREMIUM CONTENT

ADVANCED LEARNING CONTENT

Consider yourself an expert on Banking with Life Insurance?

Check out our free “Ultimate Guide to Whole Life for IBC” PDF
Or our advanced video course on “Hybrid-Banking”!

The Ultimate Guide to Using Whole Life for Infinite Banking Concept

BEGINNERS COURSE

(You can listen like a podcast)

Unlock Deep Historical Research into IBC

Quickly figure out if Whole Life Banking is right for you with our data-driven video course:

WHAT'S THE NEXT STEP?

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.