Strategic Whole Life by Infinite Banking Authorized Practitioners

Aug 26 2024 118 ep. 29 mins 30
Strategic Whole Life by Infinite Banking Authorized Practitioners Podcast artwork

The Infinite Banking Concept® (IBC) is privatized banking, using the cash value of a whole life insurance policy as the platform. Your hosts, John Montoya and John Perrings, are authorized IBC practitioners with the Nelson Nash Institute, dedicated to educating consumers about Infinite Banking. Listening to this podcast, you'll learn about life insurance, cash value, dividends, policy loans, policy design, and more. Most importantly, you'll learn how IBC puts you back 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 advice about personal finance. The Strategic Whole Life podcast is our way to carry on Nelson's mission by explaining The Infinite Banking Concept® in simple terms so that you can make it real in your life!

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118: The Math Proving Whole Life Insurance Returns

Aug 26 2024 18 mins  
Out of all the misunderstandings about whole life insurance, the idea that it gets a "terrible rate of return" is probably the most common.But is it true?Tune in and, if you can, watch this one on video. I'm going to get out the Truth Concepts calculator and prove to you that whole life gets exceptional growth, compared to other assets, when you know how to compare capital equivale

117: The Financial Planning Bubble

Aug 16 2024 19 mins  
A financial mania is when everyone is clamoring to buy the same thing at the same time at any price.Isn't that exactly what the typical financial planning advice has us do? Just about everyone you know is, right now and for the last twenty years, plowing dollar after dollar into an index fund tracking the S&P500, mutual funds, etc.And the only information we have about this inv

116: How Whole Life Insurance is Predictable and Flexible

Aug 09 2024 28 mins  
A common misconception about whole life insurance is that you're locked into paying a big premium forever. In this episode, we'll discuss all the ways this is not true, especially when buying a policy designed for The Infinite Banking Concept, which most often uses the Paid-Up Additions Rider.Certainty has a true economic value, and the predictability of a whole life premium over d

115: Infinite Banking For Every Stage of Life

Aug 02 2024 32 mins  
Follow us through time as we talk about how The Infinite Banking Concept can make a difference in your financial life at every stage of life.We talk about IBC in our 20s, 30s, 40s, 50s, 60s, and 70s and beyond.It's not called "Whole Life" insurance for nothing! Tune in...----EPISODE HIGHLIGHTS:02:26 Starting Infinite Banking in Your 20s08:05 Building Wealth in Your 30s12:34 Maximiz

114: What is a Premium Deposit Fund?

Jul 26 2024 8 mins  
In this episode, John Montoya explains the ins and outs of premium deposit funds.If you've ever wondered about one of the ways to pay for whole life insurance with a single lump sum, tune in to this short and sweet episode for everything you need to know about premium deposit funds.----EPISODE HIGHLIGHTS:00:43 Advantages of Premium Deposit Funds04:35 Considerations and Setup05:58 F

113: What Term Insurance REALLY Costs You

Jul 19 2024 15 mins  
When comparing term insurance costs to whole life insurance, you can't use grade school math and add up the premiums paid over time.With money, we must use financial math to account for the time variable. When we do that, the numbers tell a much different story than what the "buy term, invest the difference" people tell.The true cost of term insurance could be tens of millions or m

112: 31 Things to Know About Whole Life Insurance

Jul 12 2024 18 mins  
John Montoya covers 31 insights he devised about the importance of whole life insurance.This is a detailed list of observations, ranging from whole life's historical significance and tax advantages to its role in financial independence, the banking function, and family security.There really is no other asset like whole life insurance!Tune in...----EPISODE HIGHLIGHTS:00:21 The Motiv

111: The Real Costs of Term vs. Whole Life Insurance

Jul 05 2024 22 mins  
When comparing the costs of term life insurance vs whole life insurance, we can't just compare the premium prices and call it a day.Because whole life insurance is an asset that builds equity, not all premiums are a true cost like they are with term insurance.In this episode, we break down the math and provide a real, apples-to-apples comparison of the true costs of term vs. whole

110: Why You Should Just "Say No" to IUL

Jun 28 2024 37 mins  
In today's episode, we discuss a misleading IUL ad we found on Instagram. We break down the numbers to explain why this ad (and IUL in general) is, in our professional opinion, a smoke-and-mirrors game.Indexed Universal Life (IUL) is often touted as "unbundled whole life insurance" or, worse, just like an investment but with no risk...Nothing could be further from the truth. IUL is

109: Currence: An IBC Operating System

Jun 21 2024 46 mins  
Today, we have a special guest, Dave Mozeika, co-founder of the cash flow platform called Currence.In episode 103, we discussed the problem of a lack of focus on savings and spending. Today's topic, Currence, is the solution to that problem.Currence is about setting up a better cash flow structure that, combined with IBC, can create financial freedom faster than you ever thought po