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The Infinite Banking Concept® (IBC) is privatized banking, using the private, guaranteed, and permanent cash value of a whole life insurance policy as the platform. IBC puts you in control of your money so you can keep it, grow it, and pass it on without taking any of the unnecessary risks that you otherwise get when you listen and follow the mainstream media about personal finance. You'll learn the multiple and varied reasons why IBC should be part of your long-term plan and why up until no ...
 
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At the end of last year, December 2020, Congress passed the Consolidated Appropriations Act. In addition to its many stimulus measures, it contained a provision that affects permanent life insurance products like the ones we endorse for Infinite Banking. Has anything changed or do the principles of IBC remain the same? Take a listen and find out. A…
 
One of the classic mistakes people make before deciding to implement Infinite Banking is focusing on the cash value growth. We encounter it all the time. As Nelson would say, "You're majoring in the minors!" Though it is initially a challenge getting beyond the "rate of return" mindset that we have been taught by Wall Street, as you learn more abou…
 
One of the best ways to ensure we maximize the Infinite Banking strategy is by understanding when we should take policy loans. This is a little discussed topic but it's a topic you should be up to speed on. Just because we have access to cash values doesn't mean we should always use policy loans. In this episode we'll discuss the idea of "shopping"…
 
If you're really wanting to better understand Infinite Banking, this is an important episode for you to bookmark and re-visit even in the future. In this episode we discuss Guaranteed and Non-Guaranteed Cash Values and why each is important to the process of Becoming Your Own Banker! We'll also delve into understanding how contracts differ from inv…
 
In this episode we discuss Universal Life policies and why the Nelson Nash Institute advocates for Whole Life, and specifically not Universal Life, when implementing The Infinite Banking Concept®. We'll cover the pro's and con's of Universal policies, including what most advisors will never tell you when selling any of the 3 types of Universal poli…
 
In this episode we discuss how Infinite Banking provides the rare financial solution to marry the investment world (401k/mutual funds) with the life insurance solutions (IBC designed Whole Life) to create a more efficient financial plan that produces better results than an all market-based approach by itself. Most advisors, the media, and ultimatel…
 
If you're new to Infinite Banking, you might be thinking: "I don't know anyone who does IBC". But guess what? The largest banks in the world have been buying billions of dollars of high early cash value life insurance policies for decades: Bank Owned Life Insurance (or BOLI). In this episode, we are inspired by author Barry James Dyke and his books…
 
One of the best aspects of Infinite Banking is that it allows the work of one dollar to do the work of two dollars. Unlike a typical investment which is an "either/or" proposition, Infinite Banking provides the safest way to leverage an asset in order to create... MORE assets. Take a listen to discover why as IBC authorized practitioners John Monto…
 
In this episode, Infinite Banking authorized practitioners John Perrings and John Montoya cover what you need to know about convertible term insurance, how it relates to setting up your Infinite Banking portfolio and the process to get started. If you're just looking to get started with IBC or maybe you already have a policy or two, you'll want to …
 
In this week's episode we discuss how the IBC strategy brings about unrivaled liquidity and diversification to an overall financial plan. Sadly, most people think their financial plan are liquid and that their plan is fully diversified... but compared to what? Mainstream financial plans look exactly the same so they can't be compared equally to the…
 
One of the more confusing aspects of the Infinite Banking Concept is understanding how dividends work. Nearly all the information we find on the internet on this subject is creative marketing to make you believe one type of dividend is superior to the other. In this episode, Infinite Banking Practitioners discuss the two different types of Whole Li…
 
"What gets us into trouble is not what we don't know. It's what we know for sure that just ain't so." - Mark Twain Is it too late to get started if you're now in your 50's? How can Infinite Banking help you create financial security for your retirement? We cover these topics and more in this episode of The Fifth Edition. For specific answers to you…
 
This episode picks up after episode 27 "Why You Need IBC In Your 40's" to discuss how we use IBC focusing the asset accumulation side of wealth building. Just like the old saying, there's more than one way to skin a cat... there's no limit to how you can use Infinite Banking. Using the IBC strategy first to create and hold capital under your own co…
 
So many current events to feed the headlines but 99.99% of the chatter is either irrelevant or dangerous to our economic health. One of the rarely mentioned benefits to Infinite Banking is how it brings clarity and focus to the "noise" that's all around us. Join us as we break down how current events shape our philosophy around IBC so you can see t…
 
This episode is probably one of our favorites because it's packed full of reasons why you should make Infinite Banking a part of your overall financial plan. By your 40's you've probably accumulated enough financial experience to have doubt about how viable a 100% stock market and term life insurance only approach will be come retirement. We'll cov…
 
In this week's episode, we explore the importance of getting started with Infinite Banking in your 30's. At this point in life, your career is likely coming into focus but your idea of what constitutes a financial plan may be predicated on what your employer told you should do but planning for a retirement at an age when you may be starting a famil…
 
In this weeks episode, we discuss the financial challenges facing 20 year old's today, what their priorities should be financially, and why they should be looking at IBC as way to build a rock solid foundation for their future. We also turn back the clock to our 20's. One of us was responsible and the other was a bit more carefree when it came it o…
 
Thank you for joining us for the latest episode of The Fifth Edition, the podcast dedicated to learning and implementing The Infinite Banking Concept into your life! In this week's episode, our hosts discuss how dividends from a Whole Life policy work and why dividends can be so confusing for people trying to better understand Infinite Banking so y…
 
Join us for episode 23 where we discuss how to create income from your Whole Life Insurance. Most people tend to think about Whole Life policies only for its permanent death benefit protection but one of the incredible long-term benefits of Whole Life is how it provides more options in retirement than the default Wall Street approach to income plan…
 
Infinite Banking is generating even more buzz as we head into 2021. Unfortunately, a lot of information found on the internet from advisors piggy backing on the IBC name without being properly affiliated with the Nelson Nash Institute and we've found from people reaching out to us that it's creating a lot confusion about how IBC really works. In th…
 
In this week's episode, we discuss who to insure first (yourself, spouse, or your child) when getting started with IBC. This topic came about because as IBC practitioners, we've found that people often think it's best to go with the youngest person in the household but this isn't always the case. We discuss the rules of thumb on who to insure first…
 
The year 2020 has been one to forget for so many reasons and there are a lot of concerns and questions about what to do financially. Should we be buying precious metals, crypto, keep investing the market, and how in the world does an Infinite Banking Whole Life policy fit in with your overall financial plan? Take a listen as Authorized IBC Practiti…
 
The average American is conditioned to give up control and access of their money, chase rate of return, and hope it all works out in the end. It's a huge financial problem that affects every household that follows the mainstream financial advice promoted by traditional banks and Wall Street. Sadly, this financial advice is all the majority of Ameri…
 
In this week's episode, IBC authorized practitioner's John Montoya and John Perrings discuss all the ideal characteristics you should want if the perfect investment existed. In other words, where is the best place for money? It's an interesting subject because most people put their money in 1 of 3 places: traditional banks, qualified plans like 401…
 
In this week's episode, IBC practitioners John Montoya and John Perrings discuss what separates the average Whole Life policy from an Infinite Banking designed Whole Life policy when it comes to the flexibility of deciding when to stop paying premium. In the year 2020, the majority of people still believe Whole Life premiums need to be paid for lif…
 
In this week's episode of The Fifth Edition, we discuss how and why you should be taking advantage of your Human Life Value, especially as it pertains to the Infinite Banking Concept. If you're thinking long range, you should not only be thinking 3 generations ahead but how you can start your next IBC policies. Take a listen and keep learning about…
 
In today's episode we discuss Whole Life insurance to better understand the expense side of Whole Life policies and how it relates to the Infinite Banking Concept. Whole Life can be the lowest cost coverage over time because the cash values grow to be more than the premiums paid. Should you really consider it an expense then? Tax and retirement exp…
 
When you practice Infinite Banking, you quickly learn how it's a complete change in perspective with how you view and manage your money. In this week's episode we discuss the 3 most important life lessons that IBC has taught us about money that you won't learn by following the conventional financial models. Take a listen and see if what we've learn…
 
You might not believe how many people think they own a Whole Life policy when in fact they don't! In this episode of The Fifth Edition, we discuss how to know for sure what type of permanent life insurance policy you own and the reasons why it matters! When it comes to owning permanent life insurance, there are multiple options that might sound the…
 
We are going to be counterintuitive in this particular espisode. We've discussed all the reasons why people should learn and get started with IBC in previous episodes. Now we flip the IBC concept upside down. Why should you avoid IBC? We'll give you at least a handful of reasons. Listen in and see if you can relate to what we have to say! For quest…
 
In today's episode we discuss the importance of having a life insurance plan customized to fit your unique situation. It's common to think of life insurance as a commodity but that's a huge mistake. To maximize all the benefits of life insurance, whether or not you are pursuing Infinite Banking, your financial and health circumstances in addition t…
 
In today's episode we have fun discussing the safety of the life insurance industry. For most people parking money in a life insurance contract seems like an odd thing to do but the life insurance industry is the bedrock of the financial system. Plus, it's a little known secret that banks put up to 25% of their tier 1 assets in cash value life insu…
 
In today's episode we talk about debt reduction, interest rate vs. interest volume, prioriting which debts to pay off first, and whether it makes sense to prepay your mortgage. If you have debt but would like to get started with IBC, reach out to us and let's explore how best to prioritize your cash flow. You can contact the hosts of The Fifth Edit…
 
In today's episode we discuss two seemingly important IBC topics: How to choose a life insurance company and how long to fund your IBC plan. Don't get stuck "majoring in the minors" though. Listen in to learn more about Infinite Banking!By John Montoya, John Perrings
 
While getting starting with IBC is certainly important 1st step to implementing your own family banking system, what's the next step? In this episode, we discuss the best uses for IBC. Don't just set it and forget! We give you ideas how you can start utilizing your cash values. Take a listen!By John Montoya, John Perrings
 
In today's episode, IBC authorized practitioners John Montoya and John Perrings discuss the value of Paid-Up Additions as it relates to the Infinite Banking Concept. How does it work? How flexible is it? How long should you fund the PUA rider? These questions and more get answered in today's show. If you have specific questions for the hosts, be su…
 
In this episode, IBC advisors John Montoya and John Perrings discuss rate of return as it relates to the Infinite Banking Concept. It's not what you think. In fact, it's way more. By learning about IBC you'll learn to re-think what you thought you knew about money. The typical American is conditioned by Wall Street to chase rate of return and they …
 
In this episode of The Fifth Edition, IBC practitioners John Montoya and John Perrings discuss policy loans from different angles. You'll learn why policy loans are beneficial to the IBC strategy, the different uses for policy loans, and how easy it is to get access to cash values to "be your own banker". Also discussed is the vital importance of t…
 
In this episode of The Fifh Edition, IBC authorized practitioners John Montoya and John Perrings discuss the most common myths and misconceptions the public has about the Infinite Banking Concept and Whole Life insurance policies. Most frequently asked questions and objections include: Why haven't I heard about this before? Why aren't more people d…
 
In this first episode of The Fifth Edition IBC authorized practitioners John Montoya and John Perrings discuss the Infinite Banking Concept (IBC) at a 30,000 foot level so you have a foundational understanding of the why you should incorporate the IBC strategy into your overall financial plan. After all money needs to reside somewhere. You'll learn…
 
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