Infinite Banking Mastery

When it comes to whole life insurance, oftentimes you want to know: "How much coverage can I qualify for?"

Once you know how much you can qualify for, you'll probably think one of two things…

Either: "Why wouldn't I get the maximum?"

Or "Why would I possibly need that much?"

In this episode I'll show you how to easily estimate your maximum insurability. I'll also explain when you'd want to secure the maximum, and when it might actually be in your best interest to NOT get as much as you possibly can.

Listen now!

Show highlights include:

• The surprising reason why you don't want the highest death benefit on your whole life policy. (0:54)
• 2 IBC benefits of term life so you can grow your system without paying too much or wasting time on more underwriting. (1:51)
• Behind the scenes: How insurance companies determine your maximum insurability. And how you can drive your max even higher than normal. (2:19)
• How "HELOC hysteria" led to an industry crackdown, and what it means for you if you plan to use 25% or more of your income on your IBC system. (3:51)
• Why max insurability isn't always your top concern. (5:01)
• The "tomorrow" question that makes figuring out how much death benefit you want easier to calculate. (8:19)
• How to keep your maximum insurability climbing as you age (instead of losing ground like most people do). (8:52)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

That informational brochure shows you an average that looks good.

Really good.

And you can't help but think: "If that's average, I'll get at least that. Probably even better."

But be careful!

Numbers don't lie, but they don't tell the whole story. Other factors (like commissions and taxes) can make actual returns lower.

Dramatically lower.

In today's podcast, I'll show you a few ways numbers can trick you if you aren't careful. And help you get a better view of what's really going on.

Listen now!

Show highlights include:

• Sneaky way a return's average can make you think you'll have more money than you really do. (1:53)
• The "thousand dollar" exercise: Eliminates confusion so you'll know what it really takes to recover from a loss. (2:18)
• 4 factors that chew up your returns, leaving you with crumbs to fend off inflation. (4:47)
• How the simplest approach to investing guarantees you below-average returns. (5:01)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

A few days ago something happened to me that was completely unexpected.

One minute I was with friends and peers enjoying a baseball game…

The next minute I hit the floor with a sickening thud. Medical attention came immediately. My alarmed colleagues insisted I should get to the hospital right away to make sure everything was OK.

I'm so embarrassed by this. I still can't believe it happened! But I'm sharing it with you today, in intimate detail, because it's a valuable reminder of how important it is to be ready for life's surprises. Because there are some things we simply can't anticipate or avoid.

I'll show you the relief that can be available if you optimize disability insurance in your plan to prepare for the unexpected.

And I'll explain how disability insurance can come to your aid in an accident or medical crisis, even if you don't become disabled.

Listen now.

Show highlights include:

• Why smacking my head on a concrete floor didn't give me a financial headache, even with a trip to the hospital. Here's how you can be prepared too. (2:26)
• 2 simple things to activate your disability coverage's "NDI Benefit." (Handle surprise medical expenses, even if you have health insurance). (6:40)
• Overlooked reasons disability insurance from an employer could leave you on the hook for thousands of dollars. (7:59)
• How a disability policy can take the bite out of your expensive COBRA premium and keep it from swallowing your limited income whole. (10:26)
• The interesting rider you can add to your policy to start protecting yourself now, instead of putting it off until your income is higher. (11:26)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

You've heard the debate over spending and saving: Whether to use debt to finance your purchases, or to always pay in cash so you avoid debt.

And you probably have your own opinion on which method is best…

But what if I told you they're both bad?

That's right. Savers and spenders are both losing, because they're both playing a game that's rigged against them and in favor of the banks.

Thankfully, there is another way…

And in this episode I'll explain what this secret way is, and how you can use it to make your money go further than even the most-disciplined saver.

Listen now.

Show highlights include:

• The depressing "zero trap" that catches spenders and savers alike. (and how wealth creators avoid getting snagged).(0:40)
• How IBC lets you borrow at fixed rates as low for as 4%, without reducing your cash position. (5:43)
• The surprising way to capture the low rates of variable interest rate loans without being trapped if rates skyrocket. (6:07)
• How to use IBC to protect your earning power and still finance the things you want or need. Stops money from needlessly slipping through your fingers. (6:33)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

You've heard Infinite Banking advocates talk about how powerful and flexible IBC with a whole life insurance policy is.

But you might be wondering: Isn't that just hype? Is whole life insurance really that great?

So in this episode I'm sharing a boatload of ways whole life can set you up for smooth financial sailing. From buying a car, funding college, saving for retirement, or anything else you can imagine.

Listen now!

Show highlights include:

• The "apples-to-oranges" mistake when comparing whole life to investments that makes you overlook the benefits of whole life insurance. (0:53)
• Nearly a dozen ways to leverage whole life insurance so you can achieve your financial objectives without credit cards, mortgages, or high-interest loans. (3:39)
• The surprising way IBC lets you save your money and use your money all at the same time. (2:35)
• Revealed: 3,200 banks are quietly pumping billions of dollars into life insurance… Here's the lucrative secret they know, but aren't telling you. (2:13)
• A misleading half-truth financial "gurus" lean on to scare you away from whole life insurance. (9:25)

Reach out to me: [email protected] https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)

I talk about whole life insurance often. For most people, it's the best vehicle to use for the Infinite Banking Concept (IBC).

But technically it isn't the only way. And with bank CDs paying higher interest rates right now, you might be wondering: "Would I be better off using CDs instead of whole life?"

So today, I'm going to show you what you need to keep in mind when deciding which vehicle to use. You certainly CAN use a vehicle other than whole life (it's legal)...but don't do it before listening to this episode first.

Listen now!

Show highlights include:

• How small dividends turbocharge Infinite Banking growth even more than CDs can (1:19)
• Why Uncle Sam's wallet loves it when you buy CDs: More for him, less for you. (2:11)
• Stunning illustration shows how much further your money goes with Whole Life vs. CDs. (Especially if you plan to buy a car). (3:02)
• "Great Rate" Debate. The delicate threads holding up today's good CD rates, and the painful consequences if they snap. (2:22)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

You've heard all your life that it's best to start saving early. But without taking a closer look at the numbers, you won't realize how dramatic the difference is.

Today I've got a practical example that demonstrates how much harder it gets to save for retirement as time passes. And I'll share other important considerations that are easy to overlook when you think about retirement. You do NOT want these to sneak up on you!

This is a powerful episode if you know you should be planning for retirement, but keep kicking the can down the road.

Listen now.

Show highlights include:

• Numbers don't lie! The stunning difference in what it takes to save for a million at 25, 35, 45, and 55 years-old. See how it gets exponentially harder the longer you wait. (5:15)
• The "last minute" mistake even high earners make that puts you behind the 8-ball for retirement. (7:58)
• Think you won't need 100% of your current income in retirement? Here's what the statistics really say. (6:32)
• The economic boogeymen waiting to grab you in retirement. Especially if you've paid off your house. Know what to expect now so you don't get jumped! (6:55)
• How "start with the end in mind" thinking can discipline you to stay on track saving for retirement when you're young and struggling. (10:24)
• Why you can't count on a disability policy through work–unless you like being forced to downsize your lifestyle by 50% or more. (4:05)
• Time is your greatest asset, but this one is important too. Why both are necessary if you want to have enough money for retirement. (2:55)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

It's important to know that the Infinite Banking Concept is just that: A concept.

It's not something that you can buy at an insurance company. Instead, it is a process that teaches you how to take over the banking function in your life.

A whole-life policy is the most reliable vehicle for this process.

In this episode, I'll tell you the top three things about Infinite Banking. Plus, I'll show you how to use your policy to grow your wealth safely and have money available when you really need it.

Tune in now!

Show Highlights Include:

• The "ULP" trap that can leave you helpless in an emergency when you need access to your money (2:29)
• Use THIS place to park your wealth to keep it safe from the clutches of inflation (3:13)
• Avoid this "Hidden Interest" mistake that keeps people in a loop of debt (4:25)
• The safe way to build up wealth by paying yourself interest (5:19)
• Surprising reason why you're chained to your insurance company once you buy a policy from them (9:07)
• Try this" Borrow Against" method to get a higher rate of return from your policy (9:29)

Growing your money can be tough if you don't know about the common mistakes out there.

These mistakes could turn your savings into something the taxman wants a piece of...

Or cost you thousands in the long run.

In this episode, I'll tell you all about these mistakes and how to avoid them. I'll also show you how to safely grow your savings, more than you think is possible.

Tune in now!

Show Highlights Include:

• How to grow your banking system even if your premium is going down (1:00)
• Why you won't be able to add extra premium to your contract (and how to fix it) (1:23)
• How to prevent your contract from becoming taxable (So that you don't end up losing extra cash that would have otherwise been a profit) (1:52)
• The sneaky way your contract makes loans taxable (and how to go around it) (2:15)
• Want to keep funding your contract at the same level or higher? Here's the ONLY way you can do that (4:07)
• The exclusive way to end up with a larger pool of cash (Note: This helps you build a larger banking system than the one you started with) (5:10)
• The KEY to growing your banking system to the max in minimum time (8:05)
• Are all your debts paid for? Here's what you should do with the loan/debt repayments that you no longer have to make. (8:47)

So you've discovered Infinite Banking and realized the advantages whole life insurance offers to your loved ones?

And now you're thinking about whether you should have whole life insurance on your parents.

But you wonder…

Can I even do that?

Are there good reasons to do it?

How hard is it to set up?

I'm here to help! Today I'll explain why you can (and should) own whole life policies on your parents, even if they're still in perfect health.

I'll also reveal how you can do it even if an insurance company tells you it can't be done.

Plus, we'll talk about whole life insurance in the other direction: Things to consider when your parents want to take out whole life policies on your children.

This episode will help you navigate the whole process without bumping into surprises that cause major delays, and can even lead to denial of coverage.

Listen now!

Show highlights include:

• The surprising thing underwriters look for that makes it harder than ever to own whole life insurance on your parents. (1:57)
• Insurance company said no? Two creative (and completely legal) ways to get coverage on your parents if underwriters say you can't. (3:07)
• How to access up to 50% of the policy death benefit for aging parents who can no longer care for themselves (so they can live with dignity, and you won't go bankrupt). (4:16)
• Grandma and grandpa want to open whole life policies for their grandkids. But you could be standing in the way! The surprising thing you need to know so you don't sabotage their generous plans. (6:36)
• The "no favorites" factors underwriters look for when insurance is taken out on siblings. (9:21)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)