Blog 104 – Why Not Universal Life For Infinite Banking? 

Infinite Banking is an economic concept developed by Nelson Nash. It is based on the principle that you “finance” everything you buy, since you either pay interest to someone else or if you pay cash, you give up interest you could have earned. IBC is all about how to create your own banking system so you can control 100% of your financing needs.

Blog 102 – Use Your IBC Policy To Supplement Your Retirement 

The cash value in your Infinite Banking Concepts (IBC) policy is guaranteed to increase every single year by a contractually set amount regardless of what happens in the stock market. Those guaranteed cash value increases that you receive are based on the “worst case” income and expense scenario projected by the insurance company and assumes no dividend is declared ever again. When the insurance company’s performance in any given year is better than that, you will receive a dividend. Although dividends are not guaranteed, the companies we use have paid dividends every year for over 170 years, including the Great Depression and two World Wars.

Blog 101 – A Bank Loan Or An IBC Policy Loan? 

If you are using the Infinite Banking Concept (IBC) to wean yourself off bank loans, why in heaven’s name would you take a bank loan when you could take an IBC loan?

Blog 100 – Direct and Non-Direct Recognition

The terminology of direct and non-direct recognition refers to the method that the insurance company or insurance contract uses in paying dividends when there is an outstanding policy loan.

Blog 99 – Key Thoughts From “Becoming Your Own Banker”

Do you realize that IBC is all about how to create your own banking system so you can control 100% of your financing needs?

Once you control 100% of your financing needs, you won’t be paying interest to outside banks, finance, and credit card companies, but to a financial instrument that you own and control – your IBC policy.

Blog 98 – How To Maximize Your IBC Policies

Nelson Nash’s “Becoming Your Own Banker” emphasizes the fact that you “finance” everything you buy. You either pay interest to someone else, or if you pay cash, you give up interest that you could have earned.

Blog 97 – Nelson Nash’s “Becoming Your Own Banker”

In this blog, we are going to cover many of the truths in Nelson Nash’s “Becoming Your Own Banker”.

Blog 95 – Pay Cash Or Take A Policy Loan?

“Should we pay for this with the cash we have sitting in our bank account, or should we first put that cash in our IBC policy and then take a policy loan to purchase the needed item?”

Blog 94 – Misunderstandings About Whole Life And IBC Policies In Particular 

As always, we want to educate our clients and prospects on the details necessary to design and understand the mechanics of an IBC policy. In a typical situation, we would have an individual who wants an IBC policy contributing a certain amount of dollars a year (the annual premium) for so many years. Depending on the individual’s gender, age, health status, and lifestyle, you need a death benefit of at least a certain amount of dollars to avoid the IBC policy from becoming a Modified Endowment Contract (MEC) and losing the tax-free distributions advantages.

Blog 93 – Have a Happy Thanksgiving from our family to yours!

There are many traditions that come with this day, but the more popular are: spending time with family watching football or the Macy’s Thanksgiving Day Parade, making wishes out of wishbones, unique traditions, decorations, and recipes to go along with Thanksgiving dinner. Whether you have Cornish game hens or oven-roasted turkey, there are many ways to celebrate this holiday.

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