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14 Feb

Blog 84 – New Whole Life Insurance Versus Old Whole Life Insurance

The new whole life insurance products have lower guaranteed interest rates, which makes the spread between the guaranteed interest and the dividend rate much larger and since in most cases dividends are reinvested into the polices to buy more PUAs, the policies, long term have more cash value and give the client more money in retirement. The life insurance industry is in good financial strength, and we have now seen evidence that it continues to innovate and deliver excellent whole life products.

09 Jan

Blog 83 – The Financial Strength Of Life Insurance Companies

In 2020, life insurance companies had a huge expense that far exceeded their expectations. It was a sharp increase of 15.4% in death benefit claims. This was the largest annual increase the industry has experienced over the last 100 years when we were affected by another pandemic.

21 Dec

Interesting Facts About Christmas 2021

Since we had such a great response to our Thanksgiving blog where we talked about its beginnings and the reason to give thanks, we thought we would bring you interesting Christmas Facts. Let’s get started:

09 Dec

Blog 82 – Wealth Through Infinite Banking

The Infinite Banking Concept is an excellent cash flow management strategy that is implemented through the design of a high cash value whole life insurance policy from a top-ranked mutual life insurance company.
To successfully implement Infinite Banking, it requires patience, discipline, and long-range planning. An Infinite Banking policy needs a capitalization period of four to seven years after which the policy becomes more efficient every year, where efficiency is measured by the ability to generate cash values.

21 Nov

Blog 81 -Thanksgiving And The Spirit Of Gratitude

Neither Isis, nor I were born in the USA. Isis came to the U.S. as a young child and I as a young adult both fleeing Communist Cuba to legally come to the USA in search of freedom. We both learned very quickly what Thanksgiving and the spirit of gratitude really meant. For Isis back then, it meant being grateful to the nuns that took her in and cared for her while she waited for her parents to come from Cuba. For me, it meant being grateful to a school that opened its doors to me and gave me an Ivy League education.

15 Oct

Blog 80 – The Design Of Infinite Banking Policies

The design of high cash value, dividend paying whole life insurance policies, or Infinite Banking (IBC) policies, has two phases. The first phase consists of policy blending, heavy use of paid-up additions, and the typical 10/90 or 20/80 split between the premium going to the base whole life policy and the premium going to the paid-up additions rider. This first phase is quite consistent from case to case and the only variability might be in the premium split due to the total amount of premium (annually or monthly) to be paid, and design restrictions from the insurance company we are using.

02 Jul

Blog 79 – When To Pay Cash And When To Use A Policy Loan

One of the questions we more often have from our clients is: Should I pay for this expenditure with the cash I already have in my conventional bank account, or should I first deposit that cash as an unscheduled PUA contribution to my IBC policy and then use the cash from a policy loan to purchase the needed item? What they are really asking is if there are any special conditions or guidelines they should consider before deciding whether to use cash or a policy loan for their expenditure.

12 May

Blog 78 – The Infinite Banking Concept: Why We Believe In It

A lot of our clients are concerned and ask many questions about the guaranteed cash values in IBC policies. We want to make absolutely sure that you understand all the assumptions behind the guaranteed values in these policies.

12 Apr

Blog 77 – Get More Cash Value With Unscheduled PUAs

15 Mar

Blog 76 – Guaranteed Cash Values In IBC Policies

12 Feb

Blog 75 – Infinite Banking And College Education

The number one concern of most of our clients with young children is how they can assist their children with their college education without affecting their retirement plans.

19 Jan

Blog 74 – Why Doesn’t Everyone Practice The Infinite Banking Concept (IBC)?

Some people are doing quite well financially, and they feel that what they are doing is working fine for them. They have the mistaken opinion that since they feel they are doing well, there is no room for improvement, or to try something they may not be familiar with. Therefore, they are not interested in learning anything about IBC.