David Stearns and James Neathery of the Nelson Nash Institute (NNI) explain why dividend-paying Whole Life is the only structure Nelson Nash recommended to support the Infinite Banking Concept (IBC).

You’ll learn:

• How Universal Life shifts performance and longevity risk to the policyholder
• Why the Cost of Insurance (COI) rises over time, threatening long-term viability
• The difference between illustration-based planning and contractual guarantees
• Why Whole Life’s cash value is guaranteed to equal the face amount by age 100/120
• How mutuality, dividends, and non-forfeiture options create reliable long-term capital

This video also highlights the historical evolution of life insurance: demutualization, 1980s product design, and industry pressures, and how Austrian economic principles shaped Nelson Nash’s long-range banking philosophy.

By the end, you’ll understand why IBC works only with Whole Life and why any product dependent on projections or rising costs undermines the core principles of becoming your own banker.

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