Policy Design Episodes

Most people think PUA = Cash value. And while it can look this way in an illustration, that's not exactly true. In this episode, we'll discuss the often misunderstood PUA rider, base-to-PUA premium ratios, and how designing policies with PUA …

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.

Payment duration is a hotly debated topic amongst life insurance agents and there is a lot of confusing, contradictory advice out there. Today, we are going to weigh in on the matter and help explain these policy design approaches and …

The “Catch Up Provision” in the PUA rider of many whole life policies allows you to catch up with missed PUA premium from prior years. This is a critical feature with whole life insurance and, more broadly, Infinite Banking.

A question we are often asked by new clients, just starting their IBC journey is "how much should I fund a policy?" Or "How much does it cost?" The real question should be: "How much do you want to save?"

How can you put a large lump sum of cash in a whole life insurance policy? In this episode, we will discuss two strategies and the possible tradeoffs.

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 init...