by Pedro A. Palicio, MBA, Ph.D. | Jul 2, 2021 | Blog
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... by Isis Palicio | May 12, 2021 | Blog
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...
by Isis Palicio | Apr 12, 2021 | Blog
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...
by Isis Palicio | Mar 15, 2021 | Blog
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...
by Isis Palicio | Feb 12, 2021 | Blog
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...
by Isis Palicio | Jan 19, 2021 | Blog
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....
by Isis Palicio | Dec 14, 2020 | Blog
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,...
by Isis Palicio | Oct 14, 2020 | Blog
To successfully implement Infinite Banking requires patience, discipline, long-range planning, and be able to make a reasonable monthly or annual contribution to your IBC policy out of your disposable income for a reasonable period of years. The question always arises...
by Isis Palicio | Oct 6, 2020 | Blog
We have been Financial Professionals for 26 years, and during the last 12 years, we have dedicated exclusively to the design of high cash value dividend-paying whole life insurance policies, also known as Infinite Banking policies. We have shared a substantial amount...
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...
