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Content provided by John Montoya, John D. Perrings, John Montoya, and John D. Perrings. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by John Montoya, John D. Perrings, John Montoya, and John D. Perrings or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://player.fm/legal.
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85: Beyond the Percentage: Understanding Whole Life Insurance Dividends
Manage episode 388313632 series 2926696
Content provided by John Montoya, John D. Perrings, John Montoya, and John D. Perrings. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by John Montoya, John D. Perrings, John Montoya, and John D. Perrings or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://player.fm/legal.
Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners.
In this episode, we delve into the concept of whole life insurance dividends. We clear the usual misconception people have about dividends, explaining that insurance dividends are different from stock dividends.
Here, we clarify that a whole life insurance dividend is essentially a yield coming from the surplus profit of a mutual based company. However, its calculation is more complex as it doesn't automatically imply specific yield to a policy. We emphasize the significance of the guaranteed values in whole life policies and how dividends add to this value. This discussion also touches upon the philosophy of why one should start with whole life policies and how dividends, which are part of the bigger financial picture, become a bonus.
The key takeaway is understanding that insurance dividends come from a well-run, highly-regulated company, and longer you've been with them, the higher your dividend.
EPISODE HIGHLIGHTS
00:00 Introduction to Whole Life Insurance Dividends
00:07 Understanding the Nature of Dividends
00:41 How Dividends are Calculated and Distributed
01:06 The Role of Surplus Profit in Dividends
02:33 The Difference Between Whole Life Dividends and Stock Dividends
06:11 The Impact of Dividends on Policy Maturity
07:34 Misconceptions About Dividend Rates
11:23 The Importance of Guaranteed Values Over Dividends
13:42 Comparing Whole Life Dividends to Stock Dividends
16:16 The Long-Term Benefits of Whole Life Dividends
19:44 Conclusion: The Value of Whole Life Dividends
----
LINKS:
Get in touch: SCHEDULE A CONSULTATION
Online Course: IBC MASTERY
----
About Your Hosts:
Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!
John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.
John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.
----
Connect with us
Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
----
ONLINE COURSE:
Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.
Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:
116 episodes
85: Beyond the Percentage: Understanding Whole Life Insurance Dividends
Strategic Whole Life by Infinite Banking Authorized Practitioners
Share
Manage episode 388313632 series 2926696
Content provided by John Montoya, John D. Perrings, John Montoya, and John D. Perrings. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by John Montoya, John D. Perrings, John Montoya, and John D. Perrings or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://player.fm/legal.
Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners.
In this episode, we delve into the concept of whole life insurance dividends. We clear the usual misconception people have about dividends, explaining that insurance dividends are different from stock dividends.
Here, we clarify that a whole life insurance dividend is essentially a yield coming from the surplus profit of a mutual based company. However, its calculation is more complex as it doesn't automatically imply specific yield to a policy. We emphasize the significance of the guaranteed values in whole life policies and how dividends add to this value. This discussion also touches upon the philosophy of why one should start with whole life policies and how dividends, which are part of the bigger financial picture, become a bonus.
The key takeaway is understanding that insurance dividends come from a well-run, highly-regulated company, and longer you've been with them, the higher your dividend.
EPISODE HIGHLIGHTS
00:00 Introduction to Whole Life Insurance Dividends
00:07 Understanding the Nature of Dividends
00:41 How Dividends are Calculated and Distributed
01:06 The Role of Surplus Profit in Dividends
02:33 The Difference Between Whole Life Dividends and Stock Dividends
06:11 The Impact of Dividends on Policy Maturity
07:34 Misconceptions About Dividend Rates
11:23 The Importance of Guaranteed Values Over Dividends
13:42 Comparing Whole Life Dividends to Stock Dividends
16:16 The Long-Term Benefits of Whole Life Dividends
19:44 Conclusion: The Value of Whole Life Dividends
----
LINKS:
Get in touch: SCHEDULE A CONSULTATION
Online Course: IBC MASTERY
----
About Your Hosts:
Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!
John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.
John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.
----
Connect with us
Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
----
ONLINE COURSE:
Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.
Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:
116 episodes
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Similar to Strategic Whole Life by Infinite Banking Authorized Practitioners
Making It is a weekly audio podcast that comes out every Friday hosted by Jimmy Diresta, Bob Clagett and David Picciuto. Three different makers with different backgrounds talking about creativity, design and making things with your bare hands.
…
continue reading
Bitcoin pioneer Charlie Shrem peels back the layers on the lives and backgrounds of the world's most impactful innovators. Centering around intimate narratives, Shrem uncovers a detailed, previously unspoken story of the genesis and evolution of bitcoin, cryptocurrency, artificial intelligence, and the web3 movements. Join Shrem as he journeys through the uncharted territories of tech revolutions, revealing the human side of the stories that shaped the digital world we live in today.
…
continue reading
Welcome to the Success Story Podcast, hosted by entrepreneur, business executive, author, educator & speaker, Scott D. Clary (@scottdclary). On this podcast, you'll find interviews, Q&A, keynote presentations & conversations on sales, marketing, business, startups and entrepreneurship. Scott will discuss some of the lessons he's learned over his own career, as well as have candid interviews with execs, celebrities, notable figures and politicians. All who have achieved success through both w ...
…
continue reading
Call them changemakers. Call them rule breakers. We call them Redefiners. And in this provocative podcast, we explore how daring leaders from across industries and around the globe are redefining their organizations—and themselves—to create extraordinary impact in today’s rapidly changing world. In each episode, Russell Reynolds Associates Leadership Advisor Hoda Tahoun and former CEO Clarke Murphy host engaging, purposeful conversations with leaders in and out of the business world who shar ...
…
continue reading
This famously is the year of elections. So the Stephanomics feed has been taken over by our bonus series, Voternomics. It’s a weekly look at the way geopolitics - and elections - are upending the longstanding assumptions of policymakers and business people around the world. Hosted by Stephanie Flanders, head of Bloomberg Economics and former BBC economics editor, former government advisor Allegra Stratton and Opinion columnist and author Adrian Wooldridge.
…
continue reading
Everyone has a dream. But sometimes there’s a gap between where we are and where we want to be. True, there are some people who can bridge that gap easily, on their own, but all of us need a little help at some point. A little boost. An accountability partner. A Snooze Squad. In each episode, the Snooze Squad will strategize an action plan for people to face their fears. Guests will transform their own perception of their potential and walk away a few inches closer to who they want to become ...
…
continue reading
Are you looking for more happiness, success and vitality in your life? Get inspired each week with Wellness Expert, Integrative Medicine Fellow & Keynote Speaker, Kristel Bauer. Live Greatly shares empowering conversations about life, wellness & success talking with top experts, athletes, celebrities, CEOs and other incredible individuals. Tune in for insights to thrive personally and professionally. It’s time to awaken your ultimate potential! Disclaimer: All of the information shared on th ...
…
continue reading
The Art of Charm is where self-motivated people, just like you, come to learn from the company’s coaches about to how to master human dynamics, relationships, and becoming your best self with the help of Johnny and AJ, the company’s founders. Johnny and AJ bring their 11 years of coaching experience from their famous Bootcamps, where they host clients in Los Angeles from all over the world and they share their stories, best practices and themselves on this weekly podcast. Not only does The A ...
…
continue reading
The Moneycontrol Podcast is your daily source of business news, investment analysis and advice on stocks and the markets. Tune in to broaden your horizons with podcasts by journalists, experts and analysts giving you a head-start in the investment game.
…
continue reading
In each episode of "Goldman Sachs Exchanges," people from the firm share their insights on developments shaping industries, markets and the global economy.
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continue reading
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Go offline with the Player FM app!
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