Episodes

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 …

In Part 1 of our 3-part series "IBC First Principles," we analyze some core concepts that make up The Infinite Banking Concept (IBC). In this episode, we discuss the first three of ten "first principles": 1) If you know what's …

In Episode 78, we look hard at the "side hustle" and "hack" culture that has attempted to latch on to and sensationalize The Infinite Banking Concept™. It has resulted in an epidemic of generic life insurance advice. It's a race …

In this essential Episode 77, we navigate the complex world of disability protections, examining the "Disability Waiver of Premium" rider in whole life insurance policies and how it contrasts with an actual disability insurance policy.

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 …

In this insightful episode, John Montoya discusses one of the more nuanced elements of Whole Life Insurance: policy loan interest. Often overlooked, understanding this component is crucial for those practicing the Infinite Banking Concept ™. We start with a simple …

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 …

Main Episode Description With funding life insurance for IBC, a little-know fact is that you can only buy so much. Many people are already familiar with MEC (Modified Endowment Contract) limits that limit how much premium you can pay relative …

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 …

One of the biggest financial problem we all face comes straight from the book, Becoming Your Own Banker; Parkinson's Law. "A luxury, once enjoyed, becomes a necessity." In financial parlance, this means expenses tend to rise along with our income. …

There is a ton of information about Infinite Banking out there and opinions about "correctly-designed" policies probably top the list. We want to help you cut through the noise and help you understand what an "IBC Style" policy should be.

With current rising interest rates, many carriers have similarly raised the interest rates on policy loans. Many whole life policy owners are wondering how this will affect their practice of The Infinite Banking Concept ®.

Unlike your typical investing, whole life insurance must be looked at in a different light. Life insurance is not an investment and it never has been. The good news is that, while life insurance is not an investment, what it …

In his book, Becoming Your Own Banker, Nelson Nash did something very special to help readers gain a deeper understanding of the importance of capital formation. Rather than discuss money directly, he talked about it through the example of a …

Payment duration is a hotly debated topic amongst life insurance agents and there is a lot of confusing, contradictory advice out there. Today, we are going to weigh in on the matter and help explain these policy design approaches and …

Applying for life insurance can be somewhat daunting but it doesn't have to be. With an experienced advisor it is possible to navigate the underwriting process with ease. Even if you have some pre-existing conditions. Tune in to this episode …

Tune in to this important episode where we discuss the ins and outs of owning multiple whole life insurance policies for Infinite Banking.

In this episode, we discuss three ways IBC can improve your tax situation by strategically paying tax, creating the system to build business income that allows you to reduce tax, and retirement strategies to create more tax-free income. Tune in!