What Is Cash Surrender Value? The cash surrender value is money the insurance company will pay you if you voluntarily surrender (or end) your permanent life insurance policy. You can also think of cash surrender value as the present value of your paid-up insurance in whole life insurance and the accumulated cash value minus surrender …

Continue reading “What Is Cash Surrender Value? A Guide to Understanding Your Policy”

OUTLINE: Understanding 412(e)(3) Plans Features and Benefits Tax Advantages High Contributions Predetermined Retirement Income Asset Protection Considerations and Limitations Actuarial Calculations Funding Requirements Flexibility Ways a 412(e)3 Plan Can Reduce Costs By Using Participating Whole Life Insurance How to Fund Conclusion For business owners who are looking to maximize their retirement savings while benefiting from …

Continue reading “A Comprehensive Guide to Tax-Saving 412(e)(3) Defined Benefit Plans for Business Owners”

  TABLE OF CONTENTS: What is Bank on Yourself? How Does Bank On Yourself Work? The Advantages of Bank on Yourself The Disadvantages of Bank on Yourself Discover Whole Life Insurance Through The Perpetual Wealth Code Instead   Early on in my trek to developing and applying the Perpetual Wealth Code™, I was approached by …

Continue reading “How Does Bank On Yourself Work?”

You may have heard about cash flow banking and its ability to help you finance expenses, give you control over your finances, and create a financial legacy for your family. Similar to the heart of the infinite banking concept, there are many benefits to cash flow banking. Here are a few advantages of using a …

Continue reading “Everything You Need to Know About Cash Flow Banking”

The purpose of Whole Life Insurance is to provide coverage for the insured during their entire lifetime. Whole Life Insurance is a consumer demanded product that offers more than just a death benefit by letting the policyholder build equity in the policy. OUTLINE: Cash Value Policy Loans Dividends Fees Do You Get both the Cash …

Continue reading “How Whole Life Insurance Works”

Buy and Sell Agreement Explained A buy and sell agreement, also known as a buyout agreement, business will, or business prenup, is a contract that outlines the procedures for reassigning a business partner’s interest should they die or leave the business. Typically, these agreements mandate the departing partner’s share to be bought either by the …

Continue reading “Buy-Sell Agreements Funded with Life Insurance”

We have talked about what whole life insurance is – now we want to talk about why you should own participating insurance. This is a sound strategy for those with patience and the know-how to make their insurance work for them. Tables of Contents: Tax Code Favors Participating Whole Life Preparing For Your Retirement Avoiding …

Continue reading “5 REASONS WHY YOU SHOULD OWN PARTICIPATING WHOLE LIFE INSURANCE”

In this episode we review the numbers of the first Infinite Banking policy we bought. We have owned the policy for 18 years now so you could say it’s an adult policy now. Over the years, We have paid lots of premiums on this policy and we have also used policy loans against the cash …

Continue reading “Our 1st Infinite Banking policy”

In 2005 our family went on vacation. We drove from Oregon where we lived at that time down to San Diego California to spend some time on the beach. But on this particular vacation Dad may have been more excited about a book he was reading than the vacation we were taking. We had not …

Continue reading “How We Found The Infinite Banking Concept”

Understanding Whole Life Insurance You’ll hear many arguments for and against whole life insurance. Many people wonder what whole life insurance truly is and if the benefits of a policy would help them. There are many different types of life insurance. In this article, we cover how participating whole life insurance works, its pros and …

Continue reading “What is Participating Whole Life Insurance”