Infinite Banking Concept Archives - Universal Wealth Managers LLC

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”.

2025 November BankNotes

In this article, we conclude our investigative reporting of Carol Quigley’s monumental volume, “Tragedy and Hope: A History Of The World In Our Time.” In addition to being an excellent historical account of Western Civilization with detailed analysis of the first two World Wars and ending in 1964, it also tells a most incredible story. If it were not for Quigley’s impeccable academic credentials and his use of verifiable facts, the mysterious account he weaves throughout his book could be interpreted as one of the most creative hoaxes ever publishe

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!

October 2025 BankNotes

In light of recent news regarding a lawsuit concerning Indexed Universal
Life (IUL) policies, the Nelson Nash Institute wishes to reaffirm its longstanding
position on the Infinite Banking Concept (IBC) and the use of
Dividend-Paying Whole Life Insurance policies from a mutual insurance
company or mutual insurance holding company.

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:

September 2025 BankNotes

In 1987 Bill Moyer, who is best known as an American journalist and frequent voice of PBS, came out with a scathing documentary entitled, The Secret Government: The Constitution in Crisis in which Moyer spelled out how the Cold War (which began after WWII) had enticed Americans to relinquish the control of government to the National Security State. In it he interviews several high-ranking military officers that attest to the existence of a secret global war, carried on without accountability.

August 2025 BankNotes

This LMR article was written in May 2013 and describes several relevant topics such as the Stock Market, Financial Institutions and more importantly, Bonds. While the average American does not actually understand how the Stock Market works, they know even less regarding the Bond markets and their importance in the United States. This narrative will explain and help you to understand all the necessary “Nuts and Bolts.”

2025 July BankNotes

What’s in a word? Actually, a great deal. When it comes to the word “Liberal” or the word “Libertarian,” it can be like opening Pandora’s box. For this reason, I am going to try to decipher and separate some of the widespread misunderstandings about these two political philosophies. At the same time, I hope to end up explaining the relevancy of Austrian Economics in relation to these two philosophical views, and especially the Austrian Business Cycle Theory (ABCT), in simple to understand language.

2025 June BankNotes

If you and I were to get really honest with each other we would mostly likely agree that our main concern with regards to what we are experiencing in our political and economic affairs these days can be summed up in our knowing what effect all this will have on our ability to “make a living.”