Are you thinking about setting up your first Infinite Banking policy but confused by terms like base premium, PUA, and MEC limits?In this episode, Colt and Jason break down exactly how to structure a whole life insurance policy for the Infinite Banking Concept — the right way. Whether you're just getting started or want to fix a poorly designed policy, this episode will give you the clarity you need to build wealth without stress.🔑 Here’s what you’ll learn:- What makes a policy “IBC-friendly” (and what ruins it)- Why base premium vs. PUA ratio matters- How to avoid becoming MEC-qualified- How soon you can access your cash value- Why flexibility and long-term efficiency matter more than short-term hype- How to spot “bad” policy designs that only benefit the agent📞 Want help designing your Infinite Banking plan?Book a private call with Jason here:👉 https://wealthwithoutstress.com/contact/🌐 Learn more at:https://wealthwithoutstress.com/If you like what you hear, do us a favor and subscribe to the channel. We'd love to hear from you. Leave us a comment down below. 00:00 - Intro: Why policy structure matters 02:30 - What is Infinite Banking really about? 05:00 - Base premium vs. Paid-Up Additions (PUAs) explained 07:30 - How soon can you access your cash value? 10:00 - Avoiding MEC status and IRS penalties 12:15 - Designing for flexibility vs. max efficiency 15:00 - How cash value grows over time 17:30 - Using policy loans strategically 20:00 - Common mistakes in policy setup 23:00 - Why some agents design policies poorly 25:30 - Setting up your policy: Real-world example 28:00 - Misconceptions about whole life insurance 30:00 - Building your private banking system 32:30 - Final thoughts and how to get help Disclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.The hosts may have a financial interest in the programs or services mentioned in this episode.