StackedLife - Authorized Infinite Banking

08: High Risk with High Early Cash Value


Listen Later

What Social Media Influencers Aren't Telling You About "High Early Cash Value" Policy Designs

"High early cash value" (sometimes referred to as "90/10") whole life policies are frequently promoted across social media, promising maximum early cash value with seemingly no downside.

In this episode, I demonstrate the hidden trade-offs that, in my experience, I never see disclosed to clients. We have compelling data from 50-year policy comparisons that shows why these designs often cost policyholders hundreds of thousands in long-term wealth potential.

Listen in to learn how Nelson Nash's principle of "thinking long-range" is essential and how a more balanced policy approach provides the flexibility and wealth-building capacity superior to high early cash value designs and can transform financial outcomes for generations.


LINKS:

1. Get my free weekly newsletter with exclusive content on financial education

2. Work with me: Schedule a consultation


  • (00:00) - What to know about high early cash value
  • (09:22) - The three ways to get high early cash value
  • (10:10) - IRS rules are why policy design is even a thing
  • (11:13) - Cash value is derived from the death benefit not separate from it
  • (11:59) - More death benefit = more possible cash value
  • (12:19) - 1. "Short-Pay" Policies
  • (15:55) - 2. Big, long-dated term riders
  • (16:58) - 3. Non-guaranteed policy elements
  • (18:48) - 50 year comparison: Short-Pays vs. Long-Pay
  • (26:26) - Paying premium takes precedence in the order of operations
  • (29:05) - One additional payment changes the entire story
  • (32:34) - Expanding the system
  • (33:55) - Think long range
  • ...more
    View all episodesView all episodes
    Download on the App Store

    StackedLife - Authorized Infinite BankingBy John D. Perrings

    • 4.5
    • 4.5
    • 4.5
    • 4.5
    • 4.5

    4.5

    8 ratings


    More shows like StackedLife - Authorized Infinite Banking

    View all
    Insurance Pro Blog Podcast by TheInsuranceProBlog.com

    Insurance Pro Blog Podcast

    71 Listeners

    Dollars and Nonsense by Living Wealth

    Dollars and Nonsense

    138 Listeners

    The Wealth Without Wall Street Podcast by By Russ Morgan & Joey Muré

    The Wealth Without Wall Street Podcast

    271 Listeners

    BetterWealth with Caleb Guilliams by BetterWealth Media

    BetterWealth with Caleb Guilliams

    243 Listeners

    Money School Podcast by Chris Naugle

    Money School Podcast

    61 Listeners

    Banking With Life Podcast by James Neathery

    Banking With Life Podcast

    75 Listeners

    The Infinite Wealth Podcast by Infinite Wealth Consultants

    The Infinite Wealth Podcast

    52 Listeners

    Wealth On Main Street by Richard Canfield & Jayson Lowe

    Wealth On Main Street

    9 Listeners

    The Money Multiplier Podcast by The Money Multiplier

    The Money Multiplier Podcast

    27 Listeners

    Without the Bank Podcast by Mary Jo Irmen

    Without the Bank Podcast

    43 Listeners

    Wealth Warehouse by The IBC Guys via Podcast Principles

    Wealth Warehouse

    118 Listeners

    Cashflow Legendz by Nate, Brandon and Brock

    Cashflow Legendz

    14 Listeners

    The Family Banking Show by IBC Family Bankers

    The Family Banking Show

    6 Listeners

    Remnant Finance - Infinite Banking and Capital Control by Brian Moody & Hans Toohey

    Remnant Finance - Infinite Banking and Capital Control

    102 Listeners

    Infinite Banking Initiative by Leigh Barganier

    Infinite Banking Initiative

    7 Listeners