by Isis Palicio | Aug 29, 2020 | Blog
1) What is the Infinite Banking Concept? The Infinite Banking Concept (IBC) is an exceptional cash management tool for your personal economy or for your business that gives you financial independence by recapturing interest payments that otherwise would flow to...
by Isis Palicio | Jul 21, 2020 | Blog
According to the Social Security website, some of you have to pay federal income taxes on your Social Security benefits. This usually happens only if you have other substantial income in addition to your benefits (such as wages, self-employment, interest, dividends...
by Isis Palicio | Jun 15, 2020 | Blog
One of the key pieces of information that a prospective client shares with us is the monthly or annual contribution that he/she would like to make to his/her Infinite Banking Concept (IBC) policy. Once we know the original contribution to the policy, including the...
by Isis Palicio | May 17, 2020 | Blog
When we properly design IBC policies, we are concerned with what we call cash value efficiency. The annual break-even of a policy is the year in which the increase in cash value from the previous year is equal to or greater than the annual premium contribution in that...
by Isis Palicio | Apr 28, 2020 | Blog
In this blog we are going to cover the Modified Endowment Contract (MEC) and its impact on the paid-up additions rider. Up to the late 1980s, policy owners could place an unlimited amount of discretionary capital into a life insurance policy. All this changed in 1988...
by Isis Palicio | Apr 15, 2020 | Blog
In this blog we are going to cover how the paid-up additions dividend option maximizes the cash value and increases the death benefit in a whole life policy and how the paid-up additions rider reduces the natural offset of a whole life policy. The most common dividend...
