We have been involved in the financial services industry since 1994. After working for two of the major financial institutions in the world, my wife and I started our own company (Universal Wealth Managers LLC) in 2005 with the purpose of offering our clients unbiased...
Infinite Banking Concept (IBC) policies or high cash value whole life insurance policies are designed with three well-known components: 1) the base whole life policy, which we make as small as possible depending on the life insurance company restrictions, 2) then in...
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. First Assumption: guaranteed cash values...
After many years as Infinite Banking Concepts Authorized Practitioners, 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. Before moving in this...
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....
It is a well-known fact to Infinite Banking practitioners that it takes a few years for the cash value in your policy to equal or exceed the total premiums paid. Some people call this specific year the Cumulative Breakeven Year and for those with knowledge of Finance,...
