First Assumption: guaranteed cash values assume that no dividends are ever paid. The reality is that the companies that we use for Infinite Banking have paid dividends for 160 to 170 consecutive years including the Great Depression and two World Wars. Although this first assumption is mathematically possible, its probability is highly unlikely. If it were to happen, it would mean that the economy would be in such a bad state that the guaranteed cash values in your IBC policy would not probably be your greatest concern.
Second Assumption: the premiums for any riders in your policy are shown at their guaranteed maximum costs.
Third Assumption: the guaranteed cash values are based on a gross interest rate of 4.00%. The net interest rate is the vicinity of 2.00% and includes the cost of the death benefit, the operational cost of the insurance company, of which, by the way, you are an owner, and the cost of the commissions to the insurance professional who designed and sold you the IBC policy.
If you would like to learn how you can grow a substantial amount of cash that you have access to at any time without penalties, is unrelated to the stock market, and will generate income that is not included in your tax return, visit our website at http://InfiniteBankingSimplified.com/ or feel free to email us your questions at ContactUs@InfiniteBankingSimplified.com or call us toll-free at 1-844-443-8422.
Isis B. Palicio, LUTCF, MBA
Pedro A. Palicio, MBA, Ph.D.
Infinite Banking Concepts® Authorized Practitioners
We are experts in designing high cash value dividend-paying whole life policies.