Quick Announcements + Special Events + Intro to Infinite Banking

This is a special announcement.  We are doing a special webinar on September 4th we’ll try and get it done in a couple of hours in a cram school type of format, where we go over the infinite banking policy. A lot of you guys had a lot of questions and we’re going to be unveiling the new free banking.

E-course have you guys come to that. You guys can get free access to. More details, go to simple passive cashflow.com/banking. And again, that’s on September 4th. We’re going to be starting around 9:00 AM and going to 11:00 AM. Pacific time. The next announcement September 18th, there’s going to be a tech seminar put on by Anderson, September 24th.


We’re going to be doing a little get together in Houston, Texas. We’re going to be trying to do another get together in quarter four in Northern Cal and Southern Cal. Full members, the family office, quantum mastermind members get first access to that. As we’re trying to keep it small, more intimate, you guys want to learn more about joining the exclusive inner circle.


Go to spool, pass a castle.com/journey. And if you guys want any more details on these full new events, coming up, go to simple passive cashflow.com/events and check out all the future events we have coming.  We’ll see you guys on Saturday for early in the morning, 


we’ll teach you guys all about infinite banking


now for some of these events, you’re going to need to. Access  past the member site. Go and sign up@simplepassivecashflow.com slash club and sign up for a free account there. There’s a lot of things I can’t really put up there on the internet, on the public site.  We try and restrict and get all the good stuff in that  member portal .


 What are you waiting for? Sign up.


Announcing my new book coming out next month. If you guys want to help me out with a review, I’d like to get you in advanced copy and the audio book should be an emaLane@simplepassivecashflow.com. 


And I appreciate you guys helping me find the book when it comes out. That’s probably the only way I’ll probably make my parents proud of me by having an Amazon bestseller. Cause after all they still wonder what I do these days. If I’m not an engineer,  they think I’m like a real estate agent.


 Help me make my friends proud and thanks for supporting 




we’re going to be going  over the infinite banking scheme that you guys have been hearing about profusely from  a lot of podcasts out there, they get like an insurance salesman and they talk about how the wealthy do this. I personally do this.


I started with a $50,000 a year policy back in 2017, 18. And now I have a bigger one and a lot of people in the family office group are using these policies.  We want to give, this is a primer really quick presentation. These are the slides we’re going to be going through today. This is going to be a little bit of a high level 20 something slides.


If you guys want to go through the company of men on the simple passive cashflow.com/bank, you guys can be to this year as we go through this presentation, but we’re going to be doing a special a couple of hours cram school, . We’re going to be going to this a lot more in detail on September 4th. If you guys are somehow watching this video, after that date, all these videos will be posted@simplepassivecashflow.com slash banking.


Or it will be put into the e-course a much more in-depth and curated course, which you guys can go through and learn about this stuff,  📍 but let’s get into it. If you guys haven’t met me before, my name is lane Colwell. I run simple passive cashflow.com. Here’s my bile.


The other person helping me present today’s tether for the Kala. Do you want to introduce yourself real quick, Tyler? Sure. Hi,  📍 I’m Tyler . I’m currently residing in Honolulu. Hawaii. I grew up in Hilo, went to university of Washington. Got my degree in  engineering. And then I was an active duty Navy officer about eight and a half years.


Transferred out to the civil service. Or I was a project engineer, construction manager, eventually first-line supervisor, and then the chief engineer in the end up in 2001. Retiring from there. And as far as from my real estate experience, I’ve been investing in real estate since 2002, where I bought my first single family home in Jacksonville, Florida.


I did house hacking then they didn’t know that term, but that’s basically what I was doing. Auto fuel more over the next few years got overwhelmed, stopped married with kids and put investing on hold until.  2018 or so when I met lane with online, with simple passive cashflow and ever since been so deep into syndications currently have about 24 active syndications going on.


And enjoy that. And that’s what allowed me to basically retire as far as for my insurance experience. I got my first policy about three years ago.  I looked at trying to get, understand how that works. So I got licensed  and then eventually started actually writing policies and I’m currently.


I’m licensed in many states across the United States. So Tyler he is an investor first and this whole discussion on this infinite banking concept that we’re going to call simple, passive cashflow banking here in the future. I been a lot of it is stemming from, how do we use this liquidity in these insurance policies to do what we do, which is.


Totally different than what most life insurance salesman of create and customize this stuff for.  Those guys just don’t get it. They don’t understand how the wealthy used this. These policies basically gets whole life insurance over-funded, but configured in the right way with lower fee structure.  Just making it better for the investor to use for their investing purposes.


But, yeah. So where this all came from, I asked Tyler A. Long time ago, Hey, if you’re interested in this stuff, go get a license. And then cut the fees down for me and my friends. And he went and spent what, a couple years  learning  that’s what you get. When you get an engineer to do this stuff, they actually read everything.


 Let’s start off here.  I think a lot of people, they go online, they look up whole life, infinite banking and everything that comes up is it’s a scam, right? Dave Ramsey will absolutely, talk really badly about it. But I think the difference here is  we’re not configuring this, like how most people do where they’re configuring it for high death payout and high interest rates.


We’re doing the complete opposite work at food bank for higher liquidity instead, so that we can take the money and invest it in, producing assets, such as real estate, or, if you guys still want to do your stocks and mutual funds, you can still do that.


So we’re taking the traditional finance method and turning it around. This is typically how.  Normal people do it, they put it in the bank, it deflates and value with inflation and inflation is running rapid. And that kind of makes it even more case to do this.


 Tyler wants you to talk to us about some life insurance works.  I think that the main point here is that if you search online, you may hear from some financial advisors that, whole life is a bad investment. Don’t do it. If it, it’s just that it’s not structured correctly.


The ultra Walty or wealthy, or even banks, they own tons and tons of life insurance. And the reason for that, it’s a safe, secure assets.  And it’s liquid. So this slide is just basically showing that banks on and hold a lot of assets of their assets in bank owned. Life insurance is basically life insurance that is owned by the bank.


So it’s called Bali.  But yeah, if you look at any large bank  on their asset sheets, they have tons of life insurance. 


The thing is, they like the pros. This is what they. And effectively what we’re doing here is getting rid of that, man. 




This is the loose framework and  we’re trying to bang from ourselves and that term, it sounds school, right? Like instead of using a bank that the bank is able to leverage our money and go invest. We’re doing this on our own, working directly with the insurance company, which by the way, to me is a lot more secure than any bank FDA.


Sure thing out there of insurance companies are some of the largest companies that have the longest track record. When you have a contract with an insurance company, it is very secure.


Like a lot of you guys jump into these apartment buildings  and you guys know we never buy a class assets, a class locations because the returns just aren’t there. A lot of times the insurance companies are the ones buying those large class, a assets in the class, eight areas because they are going after capital preservation.


lot of times is their cap rates are anything from two to 3%, but they don’t care. Because they want to just preserve and they don’t need to make that high rate of return. They’re in the game of just being secure with people’s money, but not every life insurance carrier is weighted the same.


Tyler, I want you to I think everybody has a little bit different definition of what infinite banking is. Depending on the way, people understand things, different things resonate with different folks, but why don’t you take a first crack and what this is, or something never heard of that.


I best define infinite banking is it’s really a process in creating, private vault for you to use as your bank and overall it’s a process. The vehicle that it uses is holding. Insurance and its dividend paying whole life insurance is the product of choice that I specifically like from multiple reasons that we’ll go over.


But that policy then is you overfund it. And in that way it has a cash value that you can ask. Your cash at any time via policy loans.  That’s the overall concept. And as you pull that out, the money still continues to work in their vault or in that, in your account. And you’re able to deploy that elsewhere and pretty much have your money work in two places at once.


 The way I personally use it, when I had a policy, when I first started to do $50,000 a year, after a couple of years, two, three years, I had at least a hundred thousand dollars of cash value built up in there. And, I always try and keep my liquidity low in my bank.


You never want to have too much cash making nothing,  that’s why the next money is in your infinite banking policy to cash value where it’s making it a nice little tax-free yield that’s the first component of why, we’d like infinite banking so much when the money is in.


 I would call this a government in full, but it’s just for some strange reason when it’s life insurance, your yields, there are tax-free.  That’s a place to store my liquidity. And then when I need to go into a dealer too, and  need to drain that liquidity, I have it, but at least it’s not sitting in my normal checking account savings account.


Not doing anything.


The guaranteed growth. The use of the whole lot. Insurance. It has a guaranteed aspect of it.  Current gross rate of that is 4% that is about to change, but the policies are ranging from three, three, 3%. It’s three and a half percent uncorrelated  not tied to the stock market directly.


On some policies you may have the choice and you can be in control of that, of how much funds are correlated. But one of the main benefits for investors that this is not correlated to the stock market  


protection.  It is a product. So there is a life, the death benefit portion of it. But in addition to that in states, It varies, but there is also some liability and bankruptcy protection with the cash value or the death benefit over your policy.


 Some of our doctor clients, what they like to do is they stuff a lot of cash in here mainly for this protection aspect, right? There’s all these different asset protection strategies out there. There’s not one that’s going to get you to trying to build your castle with multiple layers of protect.


And diversifying. So by putting some money into your life insurance policy, you’re shooting at one part of your portfolio, your network. Yeah. And  the liquidity, that’s one of the main appeals for investors where your funds are not tied up. You have access to them.


And it, you would have access to it in the forms of policy loans, and that’s what keeps it also tax-free where you have access to the growth and of your policy.  I think a lot of us, myself included  my wife, Tyler’s wife, we all got swindled at some point in our early twenties, maybe early thirties where,  a long lost college.


Classmate or high school classmates calls us up for lunch and China’s and stuff us into one of these badly customized, full life policies. Typically the way that they’re structuring it, it’s not built with good liquidity  customization, as you can see this is a lever here. There’s. If you were to imagine there’s different ways, you can customize these different components.


 A lot of these guys, they will ratchet up like the growth rate, but that’s not the point, right? The point is we can get much more, better returns outside of these policies. So this is why it’s counterintuitive to a lot of these life insurance agents who just aren’t real estate investors. And, we’re just glazing over the top.


A lot of this stuff, a lot of this is in that infoPage@simplepassivecashflow.com slash bank. You guys can get access to the e-course for free there. And then, we’ll be doing that cram school later on where we get to go into this in more depth and ask any particular questions.


 I can summarize, I  the purpose of this is basic to really emphasize. That it’s really the design of the policy. That is the most important factor. You could have the same product at the same insurance company and they would perform much differently and that’s all based on the design.


Yeah. And this is the classic. Hey, let me just shoot Layne an email ASCO, Hulu, the CPA lower he’s using, or are you guys going to. Mass mutual Penn, whatever, like top AAA rated life insurance company. And let me just go work with them. Whether you work with them or us, like everything is the same except the design.


And that’s the critical part of what we’re talking about here.


 I can cover this all. There’s two main factors of the policy design.  The two things you must maintain, so instruct to keep it an insurance product, which then reaps the tax benefits of it and the tax treatment. You need to meet some IRS limit. So there is some limits in there and you people may hear the modified endowment contract or the seven pay limit that keeps it an insurance product where it’ll be tax favored.


And along with the design maximizing the cash value. So you have the liquidity early to go use and do investments as you choose. And those are the two main levers  in the design that you’re playing around with  and, way back long before there was simple, passive cashflow, a lot of smart people figured out that, with being life insurance, you could have your yields in there grow tax-free.


And of course, there’s always people out there that get a little greedy. So that’s where the government started to put these limits in there that you have to have a search and above the actual life insurance,  you don’t get a dollar of life insurance, but stuff like the zillion dollars in there and still make it tax free.


People did it, which is smart actually, there’s limits to it today. And this is what we’ll go into more detail  in the e-course and then in the cramps.


Yeah. And just that IRS limit that’s based on the insured’s age, gender, and the amount of death benefit there is.  We’re designing it a specific way to minimize fees. The death benefit is needed there in order to be able to max fund it to your targeted amount that you want. And one common question that comes up here.


Some people who think that they’re older in their fifties, sixties,  they think that this is going to be more expensive.  And then, guys are typically a little bit more expensive than females for some strange reason.  Really at the end of the day, it really doesn’t matter.


Like we’ve compared policies from, 30 year olds  and 50 five-year-old.  It the cost of insurance really doesn’t matter. And why is that? Again, we’re not really doing this for the death. Hey, out again, we’re just, we’re doing this just to call it life insurance and the bare minimum so that we can have this policy book tax-free to be able to stuff cash into it.


And that’s, I think where a lot of people, they missed the boat on this. This is, yes, this is, there was a debt payout for it. It is life insurance. But that’s not the purpose. And that is why, the agent, the gender, and, people also say Hey, can we ensure my kids will talk all about that type of stuff?


And the e-course in the webinar,  this doesn’t really factor too much into the cost of this.


And the the second main limit other than the IRS limit, when designing that we have to be careful of is just the individual policy limits. Each individual company has  some limits. And specifically one of the main ones that they’re starting to limit is the amount of paid up additions, one can put in.


So each company has different limits.  For example, one company may have, you can put up  five times the base premium or 10 times the base premium. We just have to design it accordingly for that specific company. And that’s where the flexibility comes into play. That helps decide  which company is best suited.


 This is when I was learning this stuff. This stuff gets to be really complicated and it changes all the time. When I was just learning about this, I thought it was pretty simple, this is something that I learned and realize, we need to have somebody that’s under the umbrella of our group.


Kind of be on the look out for all , these changes. Coming down the pipeline to keep us out of trouble, but also optimize getting the best policy for our situation.


  Where does your payments go? So every year there’s a premium payment. There’s two main places that your money goes. One is to the base premium. So that’s basically to cover the cost of the insurance. That base premium is specifically what we want to drive down as low as possible, because that is a pure expense to you as a client that paid up additions, that’s really a cash.


Very little fees on that. , you almost see one for one  cash value increase on any paid up additions that you contributed.  There’s different premium splits. Some people may hear, 50, 50, 30, 70, 10, 90 traditional whole life.  Normally you may,  have seen in the past, that’s really a hundred percent.


 Base premium. That’s why it takes 15 to 16 years, maybe for you to break even  on your cash value for the amount of premiums you paid. And we’re able to  modify that so that, you’re breaking even sometimes years, between years three and four, five, usually at the end.  And that’s the use of this premium splits was also introduces a lot of flexibility that you may have throughout the year.


 Most of the credit investors over a million dollars net worth, they’ll probably do a policy where they dump a hundred grand in here. Add another couple of zeros onto them. And again, what, the way we’re trying to do it is we’re trying to minimize the amount of base premium. So the paid-up additions can build up our cash value so that we can take this out the next day as a policy loan and stick it into a multitude of different deals that make a much higher yield and sort of the industry secret of life insurances.


If you’re a sales. And you’re just worried about your commissions. You try and trick your clients into getting as much base premium, the more life insurance, but that’s the complete opposite that what we’re trying to do here with simple passive cashflow banking. Not that we’re,  we want to maximize the paid-up additions, typically going much better than a 50, 50 premium split.


That’s less insurance premiums and fees for us. But that’s better for the client at the end of the day, so they can keep most of that cash value, but that’s typically what’s wrong with most normal, full life insurance. And I think this is why, Dave Ramsey, all these online, Google’s kind of actually demonize this stuff.


And I went to if you’re doing like a 50, 50 premium split and a lot of this is going to your base premium, this is where most of the commission certainly calculated.


 This is an extreme example that 10 90 premium split, in some cases, some of the people in the family office group have found that the 70, 30 premium split is actually better. That’s an I actually use,  this is just more of the extreme about that example where you’re still complying with those mech limits.


So you’re getting the tax free treatment. But you’re stuffing as much money into the cash value and you’re minimizing your feet on this side.


One unique way that someone explained it to me, as far as understanding the premium PUA relationship was relating it to your house. The base premium is like your mortgage. So that’s an expense or a cost that you have to for your house. 


 By slowly paying down the principle. So base premiums does add a small amount of cash value. Just like how paint on your mortgage slowly pays down the principal. You can think of your paid up additions as if you were to do a renovation where you spend, $50,000 to renovate the kitchen, that $50,000 spent on the kitchen basically increase the value of your house.


Hopefully not almost exactly the same or even more so that’s the home relationship as far as the base premium, paid up additions to mortgage  and our renovation. Again, different ways to understand this and to me personally, and it really took me about a year and a half to really grasp this school.


And the differences between typical whole life insurance, configuring it in a way and using it in a way that the wealthy do have for some of you guys use that strategy where you’re taking a hilar out on your mortgage and paying down your mortgage with simple interests versus amateurs interests.


It operates in a very similar way. And in fact, when you’re using a whole life overfunded or infinite banking or whatever you want to call it, simple passive caching that. It is superior to using a hilar in my opinion.  And I actually think that’s, this is a lot better than using a 5 29 plan for your kids’ college savings too.


 How do you access the cash value within your policy? So that’s in the form of a policy loan  with the low interest rates, there are other ways also of accessing the cash value of basically collateralizing your cash values through a traditional.  That is also an option, but for here specifically how a policy loan.


 This is a loan you’re taking through the insurance company.  You’re basically utilizing your cash value that you have in there. You’re usually able to take about 95% of that cash value in the form of a policy loan. Your cash value actually stays there in the account. But your death benefit is collateralized.


From the insurance company, they’re basically able to give you the loan because they know at some point.  If you pass away and you don’t pay back the loan, they’ll basically just decrease it from the death benefit of your policy. So whenever you take out a loan there’s an interest charge to it.


However there is no payment or set payment plan. You are in control. You can choose to pay it back or not.  Very similarly to a Heela. They’re very similar. And tie it in with the other slide up here. This is the cash value, right? We’re stuffing money into the cash value.


And this is what we’re taking the volts out of to put into deals. If you want to buy jet skis, at some point, you can use the money for that. You don’t have to ask the bank or tell the bank what those annoying questions that the hilar  application always has. You’re in control.


And, some of the people in the family office group or, going to another bank and collateralizing this cash value policy getting anywhere from both 3% interest rates. And for some of you guys who are good business operators who drive your adjusted gross income very low at the same time, it screwing yourself by not being able to get a loan for a home.


This is a great way you buy the home cash. But you dip out of your cash value of your life insurance policy to essentially put debt and, get your leverage up, which is always a good thing. If you can pay your debt service.  That’s just one of the merit of different ways that we’ll go into more detail and we’ll ask individual questions on the webinar next week.


But, this is if you’re seeing how the wealthy are doing things, it gives them a lot of options and it’s something that they control that they bank from themselves.


And this slide was basically just go over an example. If you were to take on a loan to invest in real estate. You can create some sort of arbitrage use of the cashflow from your investment to also cover your debt service team for the policy loan. And as Leanne mentioned, one of the, one of the big benefits is that the policy loan interest is calculated as simple interest.


The cash value continues to grow in your policy, but it’s compounding interests or compounding dividends you’re receiving.


A quick policy example. So this is for a 50 year old male.  And when you’re looking at this, the target amount that this individual would want to put in is 50,000 per year. So you’ll see that. And then the breakdown of the, that amount is pretty much a 10 90 split. So the base premium is here.


 The 45 45 is what is required annually. And that’s 10 per that’ll cover the base premium. And the about the 44,000 or 45,000 of P Louise is truly unscheduled, or you’re able to stuff that in throughout the year  here shows it where you’re funding it for seven years and you are after that seven years, we’re basically doing what you call a reduced, paid up option.


So you’re eliminating any additional premiums needed from there on out. And then you’re just letting the cash value and the dividends girl throughout the year.  On this specific policy, even as of 50 year old, you’re breaking even at around year five. In cash value or between years four and five.


 And you from year one you’ll have liquidity or your cash value is about 88% or so of what you’ve contributed. So you still have you lose some of the quality up front and that’s the cost. That’s the main cost of starting these policies. But from then on, it truly feels like a deposit where that 50,000 you’re putting in every year, your policy cash value is growing by larger than 50,000 from year two on.


And this is I think this is where people get very confused, right? Because the difficult part of this industry is an insurance agent and ratchet up and take whatever fees they want like a home loan, but worse. So that the way.  Shop this stuff around is to figure out what Tyler is saying.


That break even point when dad is, that’s the quick and dirty way of comparing policies and colors always does that for our folks. We always beat them anyway, but  that’s the quick and dirty way of comparing the policies that you have now. Of course, there’s some, different nuances with certain kind of exclusion.


That different types of more flexibility of one year being able to pay your rider or the other you’re taking off those types of things that we’ll get to more detailed in the e-course and the webinar, but,  for the most part that’s, if you just ignore one thing from this little webinar


A question we also get often is what, the policy loan rates.  The normally most insurance companies for their variable interest rates, it’s based on the moody AAA corporate bond index.  Granted we’re in this super low interest environment. It’s two point something percent, but the company also has their floor, their limits, as far as how low their policy loans will go.


Most of them are all at the company policy floors, which is hovering around four and a half or 5% as far as their variable interest rates.  The company declares these rates annually, it becomes effective on your policy anniversary date. It’s that policy anniversary date may be different for everyone yet.


The company does declare it annually.  And the good news with it.  If your variable interest rate can increase by more than 0.5% every year. But it can go down. It has no limit on going down, but keep in mind that, the corporate bond index that, that, that doesn’t fluctuate, like what normal interest rates fluctuate.


 It is a slow moving number. But there, there is some safeguards in there where you’re not sure. Get blindsided by this large increase in policy loan rates. 


We have a lot of FAQ’s that we’ll talk about in the e-course, here’s some of ’em, the difference between the whole life and term life.


I’ll talk about, when you use one or the other  we also discussed IUL, no, people always have that question and that’s the way we do, everything is a lot of this is products. But when is the product right for you? I honestly don’t care which one you use.


It’s I care when it’s the right one and I’m the person let’s say when you do term, when you do whole life, and the such  we’re going to talk a little bit about.  There’s a lot of rogue insurance companies that have really like loose standards, , it doesn’t make sense when you actually are with a company you want to be with a secure company.


We’ll talk more about that small insurance companies for as large insurance companies. Talk a little bit about different ages, who to get the policies on a lot of business owners out there. This is definitely something to think about, getting it on key employees.  This is what all like the big boys, like Walmart.


Talk a little bit about taxes. And again, all this is in the e-course  which you guys can get access to@simplepassivecastle.com slash banking. And we’ll talk about this on the webinar. We’ll be going to the cram school format. We go into this stuff that much more to tell us.


 Here’s the big picture and the toddlers, you never seen this slide. I made this yesterday.  This is the roadmap here. Step one, put a hundred grand in and not say you got to do that, right?  We help you figure out what’s the comfortable level for you to start.


When I first started doing this a few years back, I did that $50,000 a year for six years.  Today I’m doing a much larger one and I always tell people to start off small and probably, makes more sense for the agent to have you do a bigger policy than you’re comfortable with so that you can teach him to collect his commissions.


That’s not where we’re about here. We want set people up, you stuff a hundred grand in there in this scenario or 10 grand or whatever you want. Step two, you start to establish a banking firm yourself system, and you are able to take a big loan from that cash portion.


 We’ll talk more about detailed on the next in the e-courses in the beginning is when it’s,  the cash value loan is going to be the least. You’re going to be able to take the lease out in the middle. But as time goes by year two, year three, you get typically 90% of what you put in and your 4, 5, 6, it’s essentially everything.


 Again,  these are front loaded into this stuff, but in the first year, just to using that as an example, as being the worst case scenario, and you’d take that 85 grand on your original hundred grand, we stick it in a deal and you make more money that way. Step three here, you’re leveraging money in two different places.


 Step four is once you’ve act, once you’ve invested the money into a deal or you’re producing income there, which is paying back the loan, right? Just if you would have taken the money out of your heat, lock out of your house and invest it in deals and use that money, the payback. Or what a lot of people just simply do is you just take it a little bit extra and put it on the side.


So they’d know they can make their debt payments for the next year or two. That’s just more of a mindset security thing. Like Tyler says, there’s a lot of flexibility on paying back these life insurance policies.  We’ll talk about  worst case scenario, which isn’t that bad, not paying back your principal and not paying back your.


It’s not the end of the world. It takes a lot for the policies to decay it. Cannibalize itself is the term that we use. And we’ll talk about exactly when that happens. When you’re customizing the amount of your policy, those are the things that you did have in the back of your head to be able to meet your commitments.


 And then the step five here, you have your income generating assets paid back the loans of the policy.  Or like they said, just keep that stockpile on the side and just pay it back when you want. That’s what I do. I’ll take a loan out. I’ll go into a deal. I’ll take a loan out and I may not pay it back for six months or a couple of years.


I just whenever I get a glut of money or when the deals exit, like we just had a deal exit a little while ago, Tyler was limited in that one. That’s what we did. We take that money. We put it back into those cash. That’s how we use these policies. Really no real motivation to really payback the policy because it’s ours.


 Life happens here, a little cone I put here,  so you have unexpected expense loss of job. College savings. Use this cash value as your emergency savings account while let’s making yield, give a nice four or 5%, but it’s making a tax.  In actuality, you could probably argue that to making five, six, 7% potentially, or even 8% for somebody you hide in cupboards is not there.


, step six is,  grows over time. And then you start to get a handle how to use this account, right? Like I’ve gotten a handle how to use it. I take it out. I put it into deals when it deals cash out. I put it in here, but then I go into two more deals. In the time being  it becomes a very fluid kind of state and it’s very similar to it.


You guys have gotten really accustomed to managing your passive activity losses on your taxes to offsetting your capital, gains it, depreciates recaptures on deal exits, and then a sub seven all this time. You’re enjoying the benefits of asset protection. And at the same time, if we always joke, if I died or toddler died or wives are gonna be,


 it’s sad, but they’re going to be set. I always ask what would you do if you had X amount of money? If I die, she just tells me to go play theater again, but yeah, you’re setting them up. And  it, we’re technically not doing this for death payout, but that’s some of the, also the benefits to them.  And Tyler, is there any kind of other he wants to get assisted living benefits.


There’s disability, there’s all these types of things that can be put in there too.  Definitely. I think the biggest thing is truly the flexibility  the flexibility of funding, the flexibility of what you can use it for, you are in control.  Personally, this has replaced the five to nine a long-term care plan.


All of those other things that I would normally contribute to where it locks in money, or even remember my retirement plan all of these will cover that you’ll be able to contribute. It grows. We’d like to call this the, an asset where you’re doing this in addition to what you were doing already.


 You don’t have to choose between a policy or a syndication deal. You do the policy and you do the syndication there layer. So you’re just enhancing what you were going to do. Already, but surely the flexibility if it’s properly designed allows you to choose what you’re going to do with this and allows you to set it up super benefit, your self while you’re living along with legacy planning for your beneficiary.


And in the course we’ll outline all the advanced strategy. What people typically will do. They’ll dump in a bunch of money the first year, sometimes based on where your birthday is, what part of the year it is, you can backdate and double this about and get her to the jumpstart on it.


And then, these guys are dumping money in there quick, so they can quickly put it into the next deal.  Usually it takes another like a week or two to get this stuff really wrapped.  Get all the banking relationships, direct deposits all set up, once it’s all set up, it’s as simple as calling up that life insurance company or just going into their online portals.


And in that direct deposit to your account, then you are off your funds that you signed your PPM and other certifications.  You’re set, you’re making money to places and, that’s where we get to at the end step eight, you stop worrying how to grow your wealth because you’re optimized.


What’s the passive cashflow is it’s not that hard. What we outlined here is exactly what the wealthy do, but it’s a little bit of a twist, right? We’re using the same technology, the same product that is full life insurance, where we’re configuring in a very special way that benefits what exactly what we do.


If you guys are real estate investors or you invest in other types of deals.  This is your jam guys. This is exactly what you guys need to be doing to augment and make money at both places and get the asset protection. But even if you’re not real estate investing, like Tyler said, for a lot of people, this replaces the 5 29 plan or any long-term type of insurance options, or just a place where you just get cashflow building up.


It’s a lot better than in your bank and it’s something that you can try.


 But anything else you think I missed out Tyler? No, we’ll go over a lot more in details and answer specific questions during the e-course. Make sure you guys sign up here. If you guys are listening to this video or after 20 20, 1 of just check out this website here, it gets signed up for the free I-Corps.


And if you guys have any questions contact information, this was up here earlier.  We always tell people, get educated  and then we can help you guys out, whether it’s taking a look at your current policies or  getting you set up with fresh new ones, get this infinite banking set up for you sooner set up.


Thanks for listening guys. And we’ll see you guys next time. 

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