WHAT IS
INFINITE BANKING?
Simply, it's Overfunded Whole Life Insurance
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Discuss Your Life Insurance Options
So, Why Overfunded Whole Life Insurance?
We emphasize the importance of overfunding when setting up your policy. In traditional financial planning, whole life insurance is structured to provide the largest death benefit at the lowest cost. However, with overfunded whole life insurance, the goal shifts to maximizing living benefits while minimizing the death benefit.
This strategic approach is ideal for those who want to utilize their life insurance as a dynamic financial tool during their lifetime—not just as a benefit for their heirs.
When properly designed and managed, overfunded whole life insurance becomes a powerful foundational asset for your financial strategy. It grows your wealth consistently over time, provides essential protections (including a death benefit), and gives you the flexibility to access your money as needed.
Explore the comparison below to see how Infinite Banking differs from a traditional whole life insurance policy and why it’s a game-changer for building financial security.
How Specially Designed Whole Life Works Different Than Regular
With Specially Designed Whole Life
High Early Cash Value
Liquid ( Early)
Private (Flexible Premium Payments)
Tax Advantages (Able To Use While Alive)
Growing Death Benefit
Safe (Competitive Returns)
With Regular Whole Life
High Fees
Lacks Early Liquidity
Low Long-Term Growth
Mandatory High Premium Payments
Very LOW Returns Early on Cash
No control over your money
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Let's Understand How Infinite Banking Can Work Throughout Your Life
Uninterrupted Compounding
Traditional financial strategies often lose momentum due to what we call the four compound killers: taxes, fees, market volatility, and the loss of growth when capital is used.
Infinite Banking eliminates these obstacles, allowing your money to grow continuously. Your wealth is shielded from these common disruptions, ensuring true, uninterrupted lifetime compounding.
This approach empowers you to steadily build and preserve wealth, providing a secure foundation for your financial future. It’s a strategy designed to protect your money while maximizing its potential.
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Infinite Banking not only provides uninterrupted, lifetime compounding but also gives you the flexibility to access your capital when needed through a built-in collateralized loan feature.
This isn’t just about storing money—it’s about putting your money to work for you. Enjoy the dual benefits of financial growth and liquidity, much like a high-yield savings account but with the added advantages of life insurance.
Access your funds for a variety of purposes—whether it’s seizing opportunities, covering emergencies, or fulfilling financial goals—without interrupting your long-term wealth-building potential.
With Infinite Banking, you have the control to grow and use your wealth on your terms while securing a financially sound future.
Plan for the Future of Taxes
Do you think taxes will go up or down in the future? If you answered "up," we agree. If you think they’ll go down, take a look at the national debt clock and reconsider.
Infinite Banking offers a strategic hedge against future tax increases:
Tax-Deferred Growth: Your investments grow without immediate tax impact.
Tax-Free Access: Access your funds tax-free throughout your lifetime, in accordance with Section 7702(a).
Income Tax-Free Legacy: The death benefit is passed on to your estate and beneficiaries free of income tax and without the delays of probate.
Much like a Roth IRA, you won’t get a tax deduction upfront, but once your capital enters the policy, it grows tax-free, and you won’t pay taxes again if managed correctly. By paying taxes now at potentially lower rates, you secure yourself against the risk of higher taxes in the future.
This is why Infinite Banking is such a powerful financial strategy—it helps you keep more of your money working for you, now and in the future.
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Give Your Dollar More Than One Job
Infinite Banking isn’t just a savings strategy—it’s a versatile tool for your money. Think of it like your smartphone, which does far more than make calls or send texts. Infinite Banking is the 'smartphone' of your financial strategy, giving your money multiple roles to play.
Secures Lifetime Growth: Your wealth grows steadily and uninterrupted.
Puts You in Control: Access and use your money when and how you need it.
Ensures Future Cash Flow: Plan confidently for financial goals and opportunities.
Safeguards Your Legacy: Protect your assets and ensure they are passed on securely.
Infinite Banking is designed to do more than one thing. It’s a multi-functional approach to building and using your wealth, helping you maximize your financial potential and long-term well-being.
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Infinite Banking not only protects your loved ones with a death benefit but also offers valuable benefits while you’re still alive. It’s a financial tool that supports you in both expected and unexpected moments of life.
Living Benefits: Access built-in riders like chronic illness and accelerated benefits.
Coverage for the Unexpected: Be prepared for life’s uncertainties with additional support.
Financial Flexibility: If you face a terminal illness or lose the ability to perform daily activities, these riders let you access your death benefit while you’re still alive.
Infinite Banking provides financial security and flexibility when you need it most, ensuring peace of mind for you and your family as you navigate life’s challenges.
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Infinite Banking can be a powerful addition to your retirement strategy, offering flexibility and security for your financial future. Research shows that properly structured whole life insurance can provide a more effective diversification tool than bonds for retirement planning.
Maximize Retirement Potential: Leverage unique features to increase cash flow during retirement.
Protect Your Savings: Ensure your retirement funds remain secure, no matter the market conditions.
Tailored Strategies: Access financial solutions designed to meet your specific retirement goals.
With Infinite Banking, you can build the retirement you’ve always envisioned. Discover how this approach can elevate your retirement strategy and provide peace of mind for the years ahead.
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Securing Your Family's Future: The Importance of Mortgage Protection Insurance in Case of Death
Understanding the Concept of Mortgage Protection Insurance
Mortgage Protection Insurance (MPI) is a specialized insurance policy designed to safeguard your home and, by extension, your family’s financial future. In essence, MPI ensures that if the policyholder passes away or becomes critically ill, the outstanding mortgage balance is settled. This financial safety net can provide peace of mind, allowing families to maintain their residences without the burden of mortgage payments during difficult times.
Mortgage Protection Insurance: Elevating Your Family's Financial Security
Investing in Mortgage Protection Insurance can elevate your family's financial security in several pivotal ways:
Debt Decrease: MPI covers the mortgage balance, ensuring that your family isn’t left with outstanding debt after your passing.
Home Retention: With the mortgage paid off, your family can continue living in the home you worked hard to provide.
Emotional Relief: Financial security provides emotional assurance that your loved ones will remain in secure living conditions, free of added stress during a time of grief.
The Dire Consequences of Dying without Mortgage Protection Insurance
While no one likes to think about the unforeseen, the absence of Mortgage Protection Insurance can lead to severe consequences:
Foreclosure Risk: Without MPI, unexpected death could plunge your family into foreclosure if they cannot meet mortgage payments.
Financial Burden: Loved ones may face overwhelming financial stress, needing to find means to pay off a considerable debt at a challenging time.
Loss of Family Home: The home you built memories in could be lost, leaving a lasting impact on your family’s emotional and financial stability.
Evaluating Your Need for Mortgage Protection Insurance
Determining whether you need Mortgage Protection Insurance hinges on several factors:
Dependents: If you have children, spouses, or other dependents who rely on your income, MPI can be crucial.
Income Variability: If your income fluctuates or you are the sole breadwinner, consider the protective cushion MPI offers.
Existing Debt: If you have significant debts beyond your mortgage, MPI can help protect your family from financial strain.
The Cost-Benefit Analysis of Mortgage Protection Insurance
Deciding on MPI involves weighing the costs against the potential benefits:
Premium Costs: MPI premiums are generally reasonable but can vary based on age, health, and mortgage size.
Benefit of Coverage: Should something happen, understanding how much coverage your family would receive can make MPI a sound investment.
Peace of Mind: Beyond financial coverage, knowing that your family is safeguarded can be invaluable.
How Mortgage Protection Insurance Works During an Unfortunate Event
Understanding the mechanics of how MPI kicks in can clarify its importance:
Claim Triggering Events: Typically, MPI can be enacted upon the policyholder’s death or diagnosis of a terminal illness.
Direct Payment: Upon verification of the claim, the insurance provider pays the mortgage creditor directly, removing the financial burden from the family.
No Tax Liability: In most cases, the benefit paid is not subject to income tax, ensuring that your family receives the full financial aid.
Exploring Various Mortgage Protection Insurance Policies
Different types of Mortgage Protection Insurance can cater to your specific needs:
Level Term Insurance: The coverage amount remains constant throughout the policy’s life, aligning with the mortgage balance.
Decreasing Term Insurance: As the mortgage balance decreases over time, so does the coverage, which can be a more affordable option.
Critical Illness Cover: This policy not only covers mortgage payments for life insurance but also provides financial support in case of specified critical health issues.
Navigating the Process of Buying Mortgage Protection Insurance
Here’s a straightforward guide to acquiring Mortgage Protection Insurance:
Research Options: Start by comparing various policies, providers, and coverage amounts.
Assess Health Needs: Understand your health status, as it can influence acceptance and premium pricing.
Get Quotes: Request quotes from multiple insurance companies to find the best rate and coverage.
Read the Fine Print: Be sure to understand exclusion clauses and policy conditions.
Consult Financial Advisors: Seeking advice can provide an invaluable perspective tailored to your circumstances.
Conclusion
In conclusion, Mortgage Protection Insurance plays a crucial role in ensuring that your family remains financially secure even in the face of adversity. The emotional and financial benefits are substantial, instilling peace of mind knowing that your loved ones can remain in their home without the threat of foreclosure. Evaluating your need for coverage, understanding the various policies, and navigating the purchasing process can empower you to make informed choices that enhance your family’s financial well-being.
Investing in Mortgage Protection Insurance isn’t merely a financial decision; it embodies a commitment to preserving your family's future and protecting them from unforeseen circumstances. Therefore, as a responsible homeowner, consider Mortgage Protection Insurance a fundamental part of your financial planning, ultimately offering a safety net that protects what truly matters—your family and your home.
We’ve Created A Calculator To Help You See How Much Potential Cash Value You Could Have In The Future
The Infinite Banking Difference
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Frequently Asked Questions
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How soon can I borrow against my whole life insurance policy?
When you properly structure whole life insurance intended for cash value growth, which we are experts at, you can borrow against your policy roughly 30 days from starting your policy. In some instances it can be even sooner but this is a good number for safe expectations.
What if my health is bad? What if I am too old for this Policy?
If you are older and or have health concerns there are options for you. Please watch this video as it gives you a more detailed response for all of those options.
This sounds too good to be true, why haven't I heard about this before?
Some would say if it sounds too good to be true, it is. But the reason why most have never heard of this concept is because it is not taught in formal financial education. It also isn't offered in standard jobs as a retirement plan. The banks want you to store your capital with them causing life insurance to get a bad wrap as it is misunderstood when it is designed properly for cash value growth. The banks and institutions tell us to store our money with them while simultaneously storing billions of dollars into Life insurance for multi dimensional uses.
What is your response to Dave Ramsey on permanent life insurance?
Dave Ramsey has provided a ton of value to many families. Dave Ramsey is not for everyone just like the And Asset isn't for everyone. Dave Ramsey is trying to speak to as many people as he possibly can while still being right. Dave Ramsey is not a fan of debt and leverage therefore for most real estate investors, business owners and individuals wanting to build any significant wealth, we believe would be underserved following Dave's advice.
With that being said we completely understand why Dave says what he says. What he does know about whole life is the typical whole life that is sold in the traditional way so we can't even say Dave is wrong. Therefore Dave and I are speaking to different audiences. He is an expert in getting people out of debt and we are the experts in setting up and properly using whole life insurance. We are for the audience who wants to build and pass down generational wealth to the people they love the most.
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