Infinite Banking Mastery

You owe the US Government $519,000.

What? How?

Well, as a nation, we owe over $31 trillion owed in funded liabilities (debt.) And we also owe over $173 trillion in unfunded liabilities (even more debt.) 

Worst part?

According to David Walker, ex-CPA of the USA, your future tax rate will need to double — or else the nation will declare bankruptcy. 

Imagine paying double the taxes you already pay. With taxes projected to double, trying to build a nest egg will be impossible. Imagine what your retirement would look like if the government legally takes nearly half of your salary (or your retirement income). 

In today's episode, I reveal two ways to build tax free wealth. 

Listen now!

Show Highlights Include:

• Excited to get a lower tax rate when you retire? Here’s why you could be stuck paying a tax rate of 74% at 80 (5:21)
• How to avoid an insidious “tax” that penalizes you 50% for saving money in your nest egg (9:00)
• 2 tax-free savings vehicles you can access in retirement (10:18)
• Is your income too high for a Roth IRA? If so, check out “CVLI” as an alternative (and pay no taxes on your savings) (10:32)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

It’s great to have a whole life insurance policy for each member of your family. But what do you do when your budget simply won’t allow it?

In this episode we’re talking about how to do the best you can with the resources you have so you can provide for your children.

You’ll learn what a Child Rider is and why it’s a great option for most people who have financial constraints. 

I’ll also share why the first month after your child turns 25 is a golden opportunity that can help them for the rest of their lives.

Listen now!

Show highlights include:

• Why having a favorite child can get you in hot water with life insurance underwriters. (1:06)
• How to affordably cover all your children, even if you have enough for a basketball starting lineup. (2:49)
• “Know before you go.” Avoid surprises in underwriting by knowing these extra steps needed to add a child rider. (8:35)
• Can’t insure everybody? Why covering yourself first is the best move for your family’s legacy. (10:53)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

The death benefit isn’t the primary concern for most people who use Whole Life Insurance for Infinite Banking. But it’s still important!

In this episode I’ll explain why you cannot afford to overlook what a benefit it is.

I’ll also share a true story that illustrates why, in some cases, the death benefit is the most important part of the legacy you leave behind.

Listen now!

Show highlights include:

• “Immediate relief” your death benefit provides in case of a long term care need. (2:29)
• What happens if you pass away within 2 years of acquiring life insurance. (5:17)
• Unexpected reason term life insurance becomes a secret weapon to protect your loved ones. (7:40)
• “Optimistic” thinking that dooms your loved ones to misery and struggle when you die. (8:04)
• Stunning true story reveals flexibility and benefits of whole life insurance. (10:18)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

Everybody who understands Infinite Banking wishes they had known about it sooner. So it’s no wonder many of them ask: “Am I too old to start?”

I get this question a lot.

So if you’re concerned you’ve missed your chance to use IBC this episode is for you. I’ll explain why in most cases it’s not too late, even if you’re already at retirement age!

Plus, I’ll explain your options for those rare cases when age really does get in the way of starting an IBC strategy that meets your goals.

Listen now!

Show highlights include:

• Surprising age when Valerie’s father started IBC. Still think it’s too late for you? (0:51)
• Why starting sooner than later has its advantages, but doesn’t mean you’re sunk if you’re late to the game. (2:17)
• “Legacy Factor” that makes IBC worth it for retirees, even if they’re just starting. (4:29)
• The knowledge trap smart people fall into that derails their financial planning. (4:41)
• Crucial thing to know about your adviser that’s more important for your success than everything you know about IBC. (6:18)
• Want to gift your grandchildren with IBC? Know these hurdles before you start. (8:00)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

You’ve come into a big lump sum of cash, and you’re already using Infinite Banking. Naturally you wonder: “Is there some way I can use these funds to help my system?”

Yes! You certainly can. And in this episode I’ll explain your three best options, and why two of them are usually better than the other.

In the interest of full disclosure I’ll also share a fourth option. It’s NOT the best idea in most cases, but I’ll tell you why it makes sense sometimes.

Listen now!

Show highlights include:

• The first place to look if you have a lump sum and want to use it toward your existing IBC. (1:04)
• Surprising reason why paying extra now could cost you a lot more later. (2:30)
• Critical questions you need to ask before using a lump sum to establish more whole life policies. (5:00)
• “Premium” rule for growing your banking system, and how to leverage it in your favor. (6:25)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

You’ve just come into a big lump sum of cash, and you’re ready to get started with Infinite Banking.

Is it best to put it all into your banking system right away, or is there a better approach?

In this episode I’ll share why it usually isn’t best to put an entire lump sum into a new banking system. I’ll also explain an option on how to get that entire lump sum into your IBC over time, without spending that excess money on other things in the meantime.

Listen now!

Show highlights include:

• Troubling “domino effect” set off by overfunding your system at the beginning. Why the last domino could be an expensive visit from Uncle Sam. (1:15)
• One suspicious thing new IBC clients do that always alarms the underwriter. (5:30)
• How to find the “sweet spot” for spreading out a lump sum. (8:21)
• The real lynchpin in a policy started by lump sum dollars. Hint: it isn’t how much you put in today. (9:20)
• Components of a sustainable IBC strategy, and why it isn’t as easy to put together as you think. (10:00)
• Clever way your insurance company can help your lump sum do its job over time without risk you’ll spend the money on something else instead. (11:30)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

There’s been a lot of buzz around Universal Life Insurance policies. Mostly because they offer great flexibility in their premiums, and they sound great at first glance.

So you might be wondering: is this a better way to do infinite banking?

That’s what I’m talking about today on the podcast. I’ll explain what Universal Life Insurance is, and why there are several types. And I’ll tell you why I still believe whole life insurance is the way to go.

Plus, if you’ve got term life insurance you’re hoping to convert to whole life in the future: I’ll share something you need to look out for.

Listen now!

Show highlights include:

• Sneaky reason insurance companies keep introducing new Universal Life policies. (1:47)
• How clients with Universal Life policies often end up with no cash value in their policy. And why it’s more common than you think. (3:30)
• Term life insurance premiums can double, triple, or more from one term to the next. Here’s what to do if it happens to you. (5:12)
• You can have a whole life policy and only pay for 10 years. But should you? What to consider before deciding. (10:00)
• Nelson Nash’s guiding principle that lets you use IBC even if you never have a bank account or insurance policy. (11:36)
• Shocking details lurking inside universal life policies. Great for the insurance company, but is it good for you? (12:17)
• What the TikTok influencers aren’t telling you about universal life. (13:54)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

It can be hard enough to pay all your bills when you’re healthy.

What if hardship strikes and you can’t make your bills? How will you ever pay your whole life insurance premium? Is your policy doomed to lapse, or is there something you can do?

This is a question I get a lot. And today I’ll explain different options (all legal and ethical) to keep your Infinite Banking plan together when life seems to be falling apart.

Listen now!

Show highlights include:

• Prime place to look for relief if your hardship comes from being unable to work. (1:15)
• How to borrow against your policy to pay your policy, without destroying your available cash value. (1:57)
• Afraid to borrow from your policy to pay the whole premium? Try this instead. (2:47)
• Looking for a premium discount? Hidden way to pay less. (4:36)
• Why missing your grace period isn’t the end of your policy…if you can clear these hurdles. (5:28)
• “Raise the roof” reason to fully fund your policy in year one–even if money is tight. (8:32)
• Why forcing yourself to play catch up in funding your policy could open the door to a tax nightmare. (9:57)
• Why you shouldn’t use dividends to pay your premium, even when they’re big enough to do it. (12:06)
• Hard truth behind Universal Life policies’ flexible premiums. They sound appealing until you know this. (14:24)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

You like the Infinite Banking Concept, but you honestly wonder: “What company is the best for the whole life insurance I need to get started?”

It’s a question I get a lot! And even though I can’t give a cookie cutter answer, in this episode I’ll explain why that’s actually a good thing. Plus, I’ll tell you what to look for to get a great policy no matter what company you choose.

I’ll also explain the Infinite Banking decision that’s even more important than the insurance provider you pick.

Listen now!

Show highlights include:

• Surprising parallels between insurance companies and world-class heart surgeons. (1:29)
• Avoid the confusion! There are different types of life insurance, here’s exactly why mutual life insurance is best for Infinite Banking. (5:03)
• What Valerie looks for in whole life policies. Good to know regardless of what agent you work with. (5:46)
• Ironic reason an agent who works with lots of companies won’t actually get you the best service. (6:45)
• Why the wrong advisor can hurt you far more than the insurance company chosen. (9:19)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

Hypotheticals are one thing, but you want to know: “How do people actually use Infinite Banking to make their lives better?”

Today I’m answering that question the best way I know how: by filling this episode to the brim with examples of what real people have done, and are doing. 

There’s no theory or filler in here, just real world evidence of how IBC can help you handle the needs, wants, and challenges of life.

Listen now!

Show highlights include:

• How to buy that house you want, even if you can’t qualify for a big enough mortgage. (1:14)
• Why one client was able to buy a new car without adding a dime to his monthly expenses. (2:20)
• Routine oil change reveals thousands of dollars in needed repairs. How IBC empowers you in this catastrophic situation. (3:39)
• IBC vs. College Expenses. How to win, even if you started late. (4:49)
• How to use Infinite Banking to upgrade your professional practice without freaking out your CPA. (5:41)
• Two factors that make paying off your mortgage with IBC worth it. Do they apply to you? (6:35)
• Overlooked benefits of using IBC to pay off personal debt. (7:33)
• Need these home improvements? Real home repairs and upgrades accomplished through Infinite Banking. (9:41)
• Why I funnel so much money through my IBC. (10:20)
• Little-known way your policy can save itself during financial hardship. (10:52)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)