Some people look at the funds that go into a Whole Life Insurance policy built for Infinite Banking and think the money goes in and then you don’t have control…at least not for a long time.

But is that the truth?

In this episode I’m tackling two more IBC myths head-on so you can have a clear view of what Infinite Banking is really like. I’ll explain why–despite what critics say–IBC offers you unmatched control of your money, and benefits you can access from the very first day.

Listen now!

Show highlights include:

• Easiest loan process ever? How borrowing from your Whole Life policy compares to conventional bank loans. (1:52)
• Why borrowing against your 401K may not be the best idea, especially if you’re under 60 or plan to change jobs soon. (2:18)
• What “margin call” actually is, and why you need to know before you think about borrowing against securities. (3:40)
• How HELOC beats a credit card, but can’t keep up with IBC. (4:31)
• Does it really take a decade to see any benefits with IBC? What the timeline actually looks like. (5:40)
• Surprising truth about how quickly you can borrow against your cash value. (6:10)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

Would you rather earn:

• $100,000 a day for 30 days or…
• Earn a penny that doubles every day for 30 days?

Trick question.

At the end of the 30 days, you would have earned $3 million at $100k per day. Not too shabby. But what about a penny that doubles every day for 30 days?

A cool $10.7 million!

So how is this possible?

Well, it’s all possible with Albert Einstein's “8th Wonder of the World” — uninterrupted compounding interest. Not only does Albert subscribe to this, but so does Tony Robbins, Warren Buffet, and Charlie Munger.

And in today’s episode, I reveal how to start snowballing your retirement fund with the power of uninterrupted compounding interest, so that you don’t have to retire with all of your hope in the volatile stock market. 

Listen now!

Show Highlights Include:

• Why you might not receive all of your savings if your bank collapses because of the insidious wording in a March 13 press release by the FDIC (2:09)
• How the Dodd-Frank Act of 2010 legally forces you to bail out the banks instead of the government (2:24)
• Albert Einstein's “8th Wonder of the World” secret for amassing a Scrooge McDuck pile of wealth (without earning more or spending any time building your empire) (6:15)
• A simple experiment to 3x your nest egg in 30 days by filling up your wallet with a penny a day (7:59)
• How to snowball $100,000 into an enormous retirement fund with the power of a boring life insurance policy (10:00)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

There are plenty of myths about Infinite Banking, and any of them could derail you from doing something great for you and your family. That’s why I like to bust these myths. 

And today I’m busting two more.

In this episode, I’ll tackle the mistaken idea that IBC is just too complicated, and the faulty claim that IBC is a scam. You’ll see the reality that IBC is a “too good to be true” thing that’s actually true, and it’s built on a stable foundation the wealthy have been relied upon for generations.

Listen now!

Show highlights include:

• Why I normally recommend borrowing against your policy instead of taking a distribution. (2:06)
• What you need to know before taking a distribution so you don’t get an expensive visit from Uncle Sam. (2:58)
• Surprising reason lifelong bachelors shouldn’t ignore their death benefit, even though it seems unimportant. (4:16)
• “Anti-Scam” reason Infinite Banking is completely above board. (7:30)
• Informative reason, proven repeatedly, you should read Nelson Nash before moving forward with IBC. (8:06)
• Nelson Nash’ “naysayer secret” to overcome peer pressure and do what you know is right. (9:08)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

It’s easy to think only the wealthy can afford to use IBC. But is it true?

In this episode, I’ll show you why the Infinite Banking Concept isn’t off-limits to anybody, even if you can’t start with as much as a millionaire.

I’ll also explain why starting with a little today is better than starting with a lot next year.

Listen now!

Show highlights include:

• Real reason mega corporations (like Walmart and Wells Fargo) buy more life insurance than anybody. (1:39)
• “The $5,000 Question”: Why some agents would say whole life isn’t worth it if the client can’t put $5,000 into the policy. Why it isn’t true, and what they really mean. (5:28)
• “Snowball Effect.” How a Whole Life policy keeps getting better, explained in simple terms. (6:27)
• How the flexibility built into Paid-Up Additions helps you keep your policy funded even when finances are tight. (8:41)
• Counterintuitive reason “testing the waters” doesn’t work well for IBC. (9:38)
• How starting IBC before you’re out of debt could be your best path to finally getting out of debt. (11:47)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

It’s not unusual for people to be serious about Infinite Banking, but hesitant about the process to get started. Is it complicated? Scary? Hard? Am I really ready?!

If you’ve ever had any of those questions, this episode is for you! I’ll give you an overview of how the process unfolds from our very first meeting all the way through having your policy in force and annual reviews. 

You’ll be able to feel good about moving forward.

Listen now!

Show highlights include:

• First Meeting De-mystified: What it’s like, why we do it, and what kind of questions to expect. (0:53)
• Why I ask so many questions about your savings and retirement. (2:01)
• Why you should take that insurance coverage at work, and the major detail you can’t afford to overlook. (4:03)
• Widow’s firsthand account reveals the surprising truth about how much insurance you actually need. (4:45)
• Best time to read Nelson Nash’s book so you can optimize your IBC’s effectiveness. (10:21)
• Three to six weeks?! Why underwriting takes so long, and why your doctor could make it take even longer. (14:47)
• What to do if you have more questions after underwriting is complete. (15:11)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

You’ve done your homework and you’re enthusiastic about the Infinite Banking Concept. But you’re concerned your advisor might not feel the same way.

Truth is, you might be right! And in this episode I’ll share different reasons more advisors aren’t on board with IBC.

I’ll also explain what you can do to make sure you can still take action on Infinite Banking, even if your advisor isn’t sold on the idea.

Listen now!

Show highlights include:

• DIY Danger: How even a finance professional can get in trouble trying to use IBC without help. (2:29)
• How to handle an advisor who doesn’t understand IBC like you do. (6:00)
• What the big banks actually do right, and how IBC lets you duplicate the strategy without risk and volatility. (7:27)
• Real reasons financial advisors might resist IBC. (7:39)
• “Why doesn’t everybody know about Infinite Banking?” The startling but simple explanation. (9:15)
• How IBC’s learning curve sends financial advisors off course. (9:58)
• Overlooked financial strategy Walt Disney and JC Penney leveraged to become household names. You can use it too! (12:41)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

You’ve heard of Dave Ramsey. So you probably know one thing he loves almost as much as cutting up credit cards is putting down whole life insurance.

Since he’s helped so many people learn how to budget, and how to get out of consumer debt, it can be easy to think he really knows everything he talks about. 

But when it comes to whole life insurance, that’s simply not the case.

In today’s episode I’ll prove it by tackling several complaints Dave gives against whole life so you can separate genuine concern from uninformed claims.

You’ll see that with the help of an IBC practitioner, whole life insurance is a wonderful asset. And you’ll notice how one’s attitude about whole life changes dramatically when you look at it as an asset instead of treating it like an investment.

Listen now!

Show highlights include:

• The “lump” mistake Dave Ramsey makes that muddies the water, making it hard for you to understand the benefits of whole life insurance. (1:05)
• Why whole life and universal life are not the same, and why universal life can jeopardize your coverage when you need it most. (3:20)
• An “outright false” argument about the early years of a whole life policy. Don’t let it scare you away from getting started. (4:23)
• The amazing shrinking death benefit. Why IBC shrinks the death penalty on purpose, and how it helps you save money in the long run. (6:14)
• Access Denied? Why you absolutely do not have to wait until you’re dead to access your policy’s full cash account. (7:04)
• How the process of “BYOB—Be Your Own Banker” can outperform conventional investments, if you are diligent about the process. (10:08)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery

There are popular trends in the industry that concern me. Because they result in policies that look good on paper, but don’t deliver like the client expects, and can even produce a policy that becomes a dreaded Modified Endowment Contract (MEC).

So when I got the opportunity to talk to a senior insurance actuary about these trends, I took advantage of it! I asked my questions so I could know from a true insider whether my concerns were reasonable or unfounded.

In this episode I’m sharing what I learned. And I’m telling you in plain language why you should ignore hype and stick with established strategies that are proven to work, without having to fear your policy ever becomes a MEC.

Listen now!

Show highlights include:

• How overcompetitive agents could be setting up innocent clients for expensive tax bills. (1:51)
• “Illustration Illusion.” What to look for in an agent’s illustration so you don’t assume unnecessary risk of MEC. (3:30)
• Counterintuitive reason a higher base premium is good. And why a lower base premium could cost you in the long run. (3:45)
• What your Whole Life Insurance company could be overlooking that lets you MEC without warning. (5:16)
• Nelson Nash vs. Modern Developments. Is there a better way to do IBC, or does his original advice still hold up? (6:09)
• How a popular feature of IULs actually makes them more risky. (7:18)
• Why you should start a Whole Life policy with a premium at the top of your budget, instead of starting low. (9:53)
• Costly surprise IUL illustrations leave out that could jeopardize your income in retirement years. (11:46)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

You can reach a point when you’re no longer required to keep funding your Whole Life policy. And so it’s easy to think you should stop as soon as that moment comes and put your money toward something else. 

But is that the best decision?

In this episode I’ll explain why even though everybody’s situation is unique, in most cases you shouldn’t plan to stop funding your policy any time soon.

I’ll also share when it does make sense, and what to do when that happens.

Listen now!

Show highlights include:

• Can the FDIC really protect you? Chilling facts about how ill-equipped the FDIC is for weathering a major bank crisis. (2:04)
• Simple perspective that permanently shifts your bad attitude about your insurance premium. (6:45)
• When it actually makes sense to stop funding your policy and why you’re probably not there yet. (8:35)
• Why the majority of IBC users shouldn’t stop funding their Whole Life after 10 or even 20 years. (9:48)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

Whole Life Insurance is a key part of IBC, but it takes some money to get it going. Especially when you fund Paid Up Additions that boost what your policy can do for you.

And if your budget is tight, you might think you can’t possibly find those funds.

In this episode I’ll share nearly a dozen places to look. And unlike some who gloss over risk and fine details, I’ll tell you what to watch for so you don’t make a costly mistake.

Listen now!

Show highlights include:

• “Sideline Money”: Where you can look for idle funds that could be revving up your policy. (1:21)
• Why your money does more in a Whole Life Policy than it does sitting in your savings account at the bank. (2:05)
• How the Dodd-Frank Act changed the game for bank failures, and what it means for the next 2008-style bank crisis. (Hint: It won’t be the government bailing them out this time.) (2:40)
• Why compounding interest in your Whole Life Policy tops what your bank’s savings account can do, regardless how different the interest rates are. (3:23)
• The Great HELOC Debate. Why this once-popular move has fallen out of favor, and what to know if you’re thinking of leveraging your HELOC to help your IBC. (6:03)
• No-brainer reason an inherited IRA (from somebody other than your spouse) is an excellent candidate for use with Whole Life. (9:50)
• Why you shouldn’t be afraid to put your funds into Paid Up Additions instead of putting them somewhere else. (10:26)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)