Simple Passive Cashfow

What Type of Company to Choose [Infinite Banking FAQ]

Thinking of company

Tyler, what type of company do we choose? I was speaking earlier about the different types of product. In regards to the company, the importance of the company is you would want to focus and look at a mutual insurance company versus a stock insurance company. A mutual insurance companies are where the policy holders […]

Importance of Policy Design [Infinite Banking FAQ]

Cash Value

Importance of policy design. Touched about it earlier. As mentioned within the company, there are different products. There are limitations. The first one is an IRS limitation. Again, it’s still an insurance product. It has to be considered an insurance product in order for it to maintain its benefits. You’ll hear it and if you […]

The Two Main Policy Limits IRS/MEC Limit [Infinite Banking FAQ]

Policy Limit

Next question here, the two main policy Clements. Maybe define the MEC, what is MEC? The MEC limit is really something that came out in the eighties from the IRS. That prior to the eighties, before the 7702 rule, you’ll hear that also is that there was no limit as far as the amount of […]

The Two Policy Limits: EPP vs. PUA [Infinite Banking FAQ]

https://www.youtube.com/watch?v=–yDzBkzT5s We had a question here, follow up question. This doesn’t apply with EPP. Maybe define what that is too. I think every company cause has different names for PUAs. So I’m mainly familiar with guardian and mass mutual, they call it unscheduled and scheduled PUAs. That guardian mass mutual has ELAR additional life insurance […]

Impact of 7702 Rule IRC [Infinite Banking FAQ]

Next question impact of the 7702 rule IRC. This is the IRC change rule that just came out in December of last year. It goes into effect. Now, basically the insurance companies, they were mandated to provide a guaranteed gross 4% rate that will no longer apply for products in the future. The companies will […]

IBC Policy for Child [Infinite Banking FAQ]

Child

I can take this one. People are asking why don’t I do like an IBC policy for my kid, or they hear us talking about using this in lieu of the 5 29 plan, which I’m not a big fan of for their college savings or education. The big thing here is yeah, it’s cheaper […]

Underwriting Process [Infinite Banking FAQ]

Underwriting

The underwriting process. This has been all over the place. What’s involved? There’s a medical questionnaire. They’ll be looking at based on the information and pride on that. They’ll be also looking at your resident history, your driver’s record. They’re really looking at how you answer those questions, which should be truthful, but based on […]

What Happens on a Reduced Paid-Up

Reduced Paid Up

So there’s a question on reduced paid up. So a lot of times when we design policy, there is a certain desired funding period be it 5, 7, 10, or 15 years. To cut that funding period to the desired amount we do, what we call a reduced paid up. So that basically eliminates all […]

Does Age Matter When Starting a Cash Value Policy

young and old

Age, it does have a impact on the cost of insurance. But again, one way I particularly design it is that you’re minimizing the base premium anyway. It doesn’t have as much of an impact as one would think on the overall cash value performance of the policy. Again, a older person has less time […]

Policy Loan Rate

Policy loan rates. There’s a lot of discussion on this for the insurance companies, variable loan rates. Most of them are all tied to the Moody Corporate Bond Index Rate. Again, each company has also a floor variable interest rate. Some of them are at 4.5 or 5% as a floor, as a lowest total […]

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