Infinite Banking Mastery

Infinite Banking (IBC) users love the independence and control it gives them over their finances and their lives.

Some users love doing everything themselves, and want to know how much they can do without needing to get anybody else involved…

Others love not being shackled to banks anymore, but need somebody on their side to help them with every step. And to be there whenever they have questions.

This makes today's FAQ episode extra special, because each question highlights how much control you have with Infinite Banking, and also shows the support my team and I are ready to deliver when you need it (or just want it).

Listen now!

Show highlights include:

• How to give yourself a favorable loan with just one phone call. And have the funds in your bank account in as little as three to five days. (0:52)
• The smorgasbord of options for repaying your policy when you borrow from yourself, and why the terms are so easy to adjust. (3:07)
• Why repaying yourself with interest is the best strategy to optimize your Infinite Banking system. (4:48)
• The "refreshing" benefits of an annual review (and how this simple checkup keeps your Infinite Banking train from going off the rails). (6:40)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

Most people think about the obvious advantage of their life insurance death benefit: when you die, your loved ones get money!

As important as that is, there's more that a death benefit can do.

Today, I'm sharing how the death benefit can be optimized for your family, your business, and for charitable organizations you wish to support when you pass away.

This will give you a glimpse of what's possible with Infinite Banking, and give you some ideas you've never considered.

Listen now!

Show highlights include:

• Why not insuring a homemaker cripples your finances if they die before you (even though they had no income to replace) (1:35)
• How to make sure your child gets your death benefit (instead of losing their college fund because of bad planning). (3:45)
• Why relying on your employer for life insurance keeps you in coverage limbo (even if you never plan to leave them). (13:55)
• The Tax Equation: Why high assets + low death benefits = a nightmare visit from Uncle Sam when the estate taxes are due. (7:50)
• How life insurance can spare you from an exhausting court process when your business partner dies. (9:25)
• Why "Key Man" life insurance policies can keep your best workers with you until they retire (and protect you if they die unexpectedly). (12:10)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

When people hear me talk about the Infinite Banking concept they naturally have questions.

And I get it! You're doing your due diligence and want to be confident IBC will work for you.

So to help with that, I'm back to answer more of the questions I get asked all the time in today's show.

Questions like:

Should I even try to get insurance if my health isn't great?

I don't have a lot of money. How could I even get started?

And

What if I start the policy and then can't afford my premiums?

This is a great episode if you're worried your health or income will stop you from using Infinite Banking. You'll see that most seemingly-impossible obstacles can be easily overcome with a skilled professional's help.

Show highlights include:

• Not healthy enough for insurance? The "try before you buy" strategy to test if you're insurable before wasting time on an application. (0:49)
• Should you get insurance now, or wait until you're healthier? The clear winner, and why. (4:05)
• Why self-care matters most to an underwriter, and how to leverage this to get Whole Life insurance when you don't have perfect health. (2:56)
• Options to get started with Infinite Banking even if money is tight. (8:59)
• The "hard times" flexibility in whole life policies, so you won't fear getting crushed by premiums year after year. (9:50)
• How your policy can pay for itself during a financial emergency. (11:24)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

Pensions are awesome!

And while they aren't as popular as they used to be, if you do have one you've got a tremendous asset on your hands.

You might think all you have to worry about is choosing the right payout option…

But in most cases you can safely get more money from your pension when you connect it with the Infinite Banking Concept.

Today I'll explain how this works, and help you see if it's right for you.

Listen now!

Show highlights include:

• Unraveling the pension payout options so you can choose what's right for you without leaving money on the table. (1:48)
• The one (out of four) scenario when choosing a spousal option actually does provide the most benefit to you and your surviving spouse. (3:18)
• How Infinite Banking gets you more from your pension while you're alive (without depriving your spouse after you die). (8:48)
• Why it's risky (and expensive) to wait until it's time to retire before you start a life insurance policy. (7:40)
• The surprising danger of cashing out your payment for a large lump sum. (11:55)
• Why an IBC-style policy isn't always possible if you're nearing retirement, and what to do so you aren't left high and dry. (15:56)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

When people hear me talk about the Infinite Banking concept they naturally have questions.

I get it: The ability to "be your own bank" can sound too good to be true.

That's why I'm answering a handful of frequently asked questions in today's show like:

"What is Infinite Banking?"

"Am I too old to get started?"

"How long does underwriting take?"

And "Why can't I use my own doctor and lab results?"

This is a great episode to start with if you or a loved one are new to the Infinite Banking Concept and want to learn more about it fast.

Listen now!

Show highlights include:

• The secret shortcut healthy people use to breeze through underwriting with no intrusive nurse visit, no needles, and no awkward urine sample. (10:13)
• How Infinite Banking spares you the roller coaster of risk and volatility (and still outperform investment vehicles like savings accounts and the stock market). (4:38)
• How you can still take advantage of Infinite Banking, even if you have an AARP card. (6:07)
• What to expect during underwriting so you won't be surprised when they poke for information on your health and finances. (9:18)
• How a simple phone call to your doctor can slash the conventional underwriting process in half—from two months down to 3 or 4 weeks. (11:10)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

You have several extra options you can add to your original policy.

Some options are better than others, depending on your situation.

For example, there's a rider that would allow you to go on a bucket list trip or can cover up to all of your medical expenses, if a certain requirement is met.

Another option is a rider that provides a death benefit for your children, up to $25,000 each.

There are many different benefits you can add on as a rider, your agent can help you decide which would be a good fit for you.

Join me in this episode as I discuss the different rider options, how you can get the most out of your existing death benefit, and much more!

Listen now!

Show Highlights Include:

• How to pause your premiums if you become too hurt (or sick) to work (1:01)
• The #1 reason why people end up dropping their life insurance which bites them back later on (and how you can prevent this) (2:04)
• Get this "Guaranteed Insurability" Rider before you turn 40 to purchase extra coverage of up to $50,000 (3:21)
• How to add coverage for 6 children with one extra fee (Note: each child will be covered for up to $25k until they're 25 yr old) (5:11)
• How to get your children a death benefit contract for up to $125,000 when they turn 25 (5:39)
• Use this "CC Protection" Rider to access up to 25% of your death benefit to pay for a critical illness (9:03)
• How to access up to 50% of your death benefit if you cannot bath or walk (9:32)
• Take advantage of the "Terminal Illness" rider to help cover your medical expenses or take a fantastic trip to somewhere exotic (10:43)

Paid-up additions (PUA) are the "rocket fuel" that grows your whole life policy. So you definitely want them in your policy…

But how long should you fund your paid-up rider?

While there isn't a cookie cutter answer to this one, Valerie has valuable insights to help you make the right decision for your situation. Listen now as she explains paid-up additions, the avalanche of factors to shovel through with an adviser, and practical insights about funding your paid-up addition.

Listen Now!

Show highlights include:

• Why too much money in your paid-up additions makes you wake up to a tax nightmare. (2:09)
• The "squish" mistake: Shrinking your base premium as low as you can seems like a good idea, but here's why it cripples one of your policy's best features. (10:35)
• An overlooked warning sign your policy isn't cash efficient. Often misinterpreted as a good thing, it throws a wet blanket on your financial goals. (3:19)
• The rare occasions when front-loading or "lump summing" optimizes your policy, and why talking to your advisor is essential so you don't make a costly mistake. (4:59)
• The strategic reasons having more than one whole-life policy helps you "be your own banker," especially in retirement. (12:54)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

Did you know dividends aren't just for stocks?

There's actually one specific type of life insurance policy–and only one–that can pay you dividends.

In this episode I'll explain how Whole Life Insurance dividends work, the three things you can do with your dividends, and what to consider if you're looking for a policy and having trouble choosing a company.

Listen now!

Highlights include:

• Why knowing your contract's cost basis can prevent an expensive surprise from Uncle Sam. (3:49)
• How to use "paid up additions" to liven up your death benefit. (2:38)
• The snowball effect a captured dividend sets in motion, and the permanent positive impact it has on your policy. (5:44)
• The YouTube Distraction: Online influencers urge you to pick a company based on dividend rates. Here's why guarantees are more important. (6:16)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

Repaying loans can be tough.

Why?

Because it involves extra planning, effort, and monthly payments that strain your finances. Many people struggle to keep up…

But guess what? I have a solution for you!

Did you know there are alternatives to paying back loans monthly without extra cash?

Some methods even allow you to pause payments if necessary.

Join me in this episode as I reveal lesser-known ways to repay loans, saving you thousands of dollars and avoiding unnecessary headaches.

Listen now!

Show Highlights Include:

• 2 main ways of using your life insurance policy to pay off your loans (Note: These methods will help you pay back your debt & loan MUCH faster) (1:45)
• Want to avoid payments for your loan for the next 2 months? Here's how you can do that legally (2:40)
• Don't have enough cash to pay off loans? Here's how you can use your life insurance policy to make flexible payments (4:34)
• Here's how you can use funds from your banking system to start a new policy (9:24)

Life insurance policies are like a hidden treasure that only the wealthy know.

Why?

Because they come with mind-blowing benefits that can change your life.

Join me in this episode as I spill the beans on how you can effortlessly pay off all your debts using a life insurance policy and much more…

Listen now!

Show Highlights Include:

• How to pay off a loan with your life insurance policy without spending extra cash monthly (0:48)
• Stuck with credit card debt? Here's how you can reduce credit card payments down to a minimum (2:33)
• Exactly where you need to build your equity instead of paying off mortgage on your house (5:08)
• Be careful not to only pull funds from your policy without paying yourself back (8:56)
• Disability, sickness, or out of job? Here's how you can legally avoid payments on existing loans (9:45)

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