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Episodes

June 24, 2020

Life Insurance Policy Design

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 bene...

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June 17, 2020

The Safety of Life Insurance Companies

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 …

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June 11, 2020

Being Smarter About Reducing Debt

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 w...

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May 27, 2020

Choosing A Life Insurance Company & How Long To Long To Fund Your IBC…

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 Infi...

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May 20, 2020

How To Best Use Your IBC Policy

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 ...

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May 14, 2020

IBC as a Volatility Buffer

In today's episode IBC practitioners John Montoya and John Perrings discuss the benefits of utilizing IBC as a volatility buffer in conjunction with your 401k/IRA's to ensure you don't run out of money in retirement.

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May 6, 2020

Understanding Paid-Up Additions

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...

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April 29, 2020

Chasing Rate of Return

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-...

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April 22, 2020

Understanding Policy Loans

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 poli...

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April 15, 2020

IBC Myths and Misconceptions

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 poli...

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April 8, 2020

What is Infinite Banking?

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 ...

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