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Latest Episode

What is an "IBC Style" Whole Life Insurance Policy?

There is a ton of information about Infinite Banking out there and opinions about "correctly-designed" policies probably top the list. We want to help you cut through the noise and help you understand what an "IBC Style" policy should be.

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Recent Episodes

March 19, 2023

What is an "IBC Style" Whole Life Insurance Policy?

There is a ton of information about Infinite Banking out there and opinions about "correctly-designed" policies probably top the list. We want to help you cut through the noise and help you understand what an "IBC Style" policy should be.

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March 10, 2023

Recent Policy Loan Rate Increases

With current rising interest rates, many carriers have similarly raised the interest rates on policy loans. Many whole life policy owners are wondering how this will affect their practice of The Infinite Banking Concept ®.

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March 4, 2023

Life Insurance is Not an Investment. Here's Why That's Important.

Unlike your typical investing, whole life insurance must be looked at in a different light. Life insurance is not an investment and it never has been. The good news is that, while life insurance is not an investment, what it …

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Feb. 24, 2023

Capital, Banking, and The IBC Grocery Store Analogy

In his book, Becoming Your Own Banker, Nelson Nash did something very special to help readers gain a deeper understanding of the importance of capital formation. Rather than discuss money directly, he talked about it through the example of a …

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About the Hosts

John MontoyaProfile Photo

John Montoya

Show Host

John Montoya, 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 PerringsProfile Photo

John Perrings

Show Host

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.