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Isis B. Palicio

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Blog 128 – Loans Or Withdrawals?

Many clients inquire whether they should utilize a policy loan or a withdrawal when seeking cash from their Infinite Banking Concept (IBC) policies. As the owner of an IBC policy, it is essential to prioritize increasing your policy’s cash value to optimize its capacity and efficiency. The most effective way to enhance the cash value of your policy is through contributions to Paid-Up Additions, which can come from three sources: the Scheduled Paid-Up Additions rider, the Unscheduled Paid-Up Additions rider, or the Paid-Up Additions dividend option.

Blog 127 – Why The Infinite Banking Concept

The Infinite Banking Concept (IBC) is a significant paradigm shift for most people. You should start by reading Nelson Nash’s “Becoming Your Own Banker” several times with an open mind. Yes, indeed; since we started practicing and teaching the implementation of IBC in 2008, we have read that book 4 or 5 times each year, and each time we read it, we find new applications for this concept. We recommend that you also read Nelson Nash’s “The Case For IBC”.

Blog 126 – Understanding Life Insurance Payouts And Taxes

Life insurance can be a powerful financial tool, but many people are left wondering: will my beneficiaries really receive the full benefit without tax implications? The truth may surprise you! 

Blog 125 – Cash Value Of IBC Policies

The cash value of Infinite Banking Concept (IBC) policies provides distinctive benefits, positioning them as a compelling alternative to bonds and other conservative investment options. IBC policies generate cash value through three powerful mechanisms:

Blog 124 – Background On Modified Endowment Contracts

When exploring Infinite Banking Concept (IBC) policies, you’ll likely encounter the term Modified Endowment Contract or MEC. This blog will help you understand what MECs are, how they are created, and how they are treated.

Blog 123 – Dividend Options For Your Whole Life Insurance

When it comes to financial security and peace of mind, whole life insurance is always at the top of the list. While many people are aware of the primary benefits of whole life insurance — increasing cash value and permanent coverage —fewer understand the true potential that lies in the dividend options that come with these policies. If you currently have a whole life insurance policy, or you’re considering one, it’s crucial to know how you can maximize the advantages of your dividends. 

Blog 122 – Paid-Up Additions- A Smart Choice In Designing IBC Policies

If you’re interested in Infinite Banking Concept (IBC) policies, understanding the paid-up additions (PUA) feature is crucial. It’s one of the most compelling aspects driving cash value growth and overall policy performance. However, keep in mind that different insurance companies handle PUAs uniquely, which means it’s essential to evaluate your options carefully.

Blog 120 – Gold Nuggets From “Becoming Your Own Banker”

There are only two sources of income – people at work and money at work.” If you have the ability to do so, you should strongly consider investing your money in cash flow opportunities that would eventually exceed your annual expenses. If you don’t have the knowledge or ability in that opportunity, don’t take it.

Blog 119 – Advantage Of Taking A Policy Loan

John Doe is a male, age 36, non-smoker and in excellent health, paying $30,000 a year for 20 years to an Infinite Banking Concept (IBC) policy. See attached highlights of that illustration.  Assume that in policy year 7, John comes across a great opportunity in real estate that needs an investment of $200,000. John has … Read more

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