StackedLife - Authorized Infinite Banking

08: High Risk with High Early Cash Value


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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.


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  • (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
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    StackedLife - Authorized Infinite BankingBy John D. Perrings

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