IBC Principles Episodes

In episode 89, we explore the secret behind why using whole life insurance for IBC really works. Using the Law of Large Numbers and the principles of actuarial science, mutual insurance companies, with their thousands of policy-owning stakeholders, hold the …

In episode 88 of the Strategic Whole Life podcast, we talk about the (mostly bad) advice some people get to max out the loan provision immediately after buying a whole life insurance policy. This not only creates several risks, but …

John Perrings challenges the conventional obsession with returns in financial planning. Drawing from his construction and finance experience in the data center industry, John uncovers why savvy institutional investors prioritize control and risk management over mere rate of return. Go …

John Montoya interviews Doug McKenzie, a new Infinite Banking Concept (IBC) practitioner, to explore his transition from a traditional financial mindset to embracing IBC. Doug shares his initial skepticism about whole life insurance and how his quest for more efficient …

ANNOUNCEMENT: The Fifth Edition will soon be renamed STRATEGIC WHOLE LIFE. Read more about the coming name change below. Welcome to the final installment of our transformative series, "IBC First Principles: Mastering the Basi...

ANNOUNCEMENT: The Fifth Edition will soon be renamed STRATEGIC WHOLE LIFE. Read more about the coming name change below. Episode 80: Dive into Part 2 of the enlightening "IBC First Principles: Mastering the Basics of Privatized Banking." This segment unpacks …

As you implement The Infinite Banking Concept (IBC), FOMO is one of the first problems that can pop up and derail the process. It's so easy to get lured into the glitz and glamour of immediate investment returns. Almost everything …

This episode discusses The Infinite Banking Concept and its growing relevance in today's volatile financial landscape. While many have become jaded, grappling with market fluctuations, pervasive risk, lost opportunities, and soaring debts, Infinite Banking continues to prove itself as an …

Dive into a profound conversation with a titan of the life insurance world, Trent Fortner, whose 35-year career has spanned from being a multi-million dollar producer to shaping the next generation of life insurance agents as a distinguished business coach.

In this episode, we are honored to be joined by David Stearns, Director of the Nelson Nash Institute (NNI). The NNI was started by R. Nelson Nash, the founder and creator of The Infinite Banking Concept ™. Lean more about …

In this profound episode, we journey into the very heart(!) of The Infinite Banking Concept (IBC) to explore not just the 'how', but, more importantly, the 'why'. Implementing IBC isn't just about buying a whole life insurance policy—it's about taking …

You may ask yourself, "Am I ready to become my own banker?" To help answer this question, we'll use the old adage: "The best time to plant a tree was 30 years ago. The second-best time is today." With the …

Like everything else in life, when it comes to buying life insurance, there are optimal ways to evaluate your choices and suboptimal ways. In this episode, we address the fact that to optimally buy life insurance; we must understand that …

Real estate investors are familiar with the idea of a 1031 exchange that allows them to exchange like-for-like value from one real estate asset to another without paying capital gains tax. Similarly, you can exchange permanent life insurance polices using …

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 …