Infinite Banking Mastery

Time is your child's greatest asset.

Especially when we're talking about investing.

The reason?

Compounding interest.

The earlier your child starts investing, the greater the power of compounding interest. And that's where the REAL power of a whole life insurance policy comes into play.

So, whenever a client asks me, "should I own whole life insurance for my child?", my answer is always…

Yes!

I couldn't think of a better gift for your child than the asset of whole life insurance.

And in today's episode, you'll discover why owning whole life insurance for your child is the greatest decision you'll ever make.

Listen now!

Show Highlights Include:

• Why taking out a policy on your 15 day old child will set them up for an avalanche of compounding interest by the time they're 40 (1:39)
• How to send your kids to college with a Whole Life Insurance Policy (works even if it seems impossible right now) (2:22)
• The simple way for your children to automatically inherit ownership of their policy (and doesn't involve you lifting a finger) (3:55)
• Why "The Gerber Plan" — a savings plan that promotes college for your child for as little as $4 a day — will fall short of the cost of college tuition (by a lot!) (4:35)
• How to lock in 4% interest rates for your child's college tuition (guaranteed for the rest of your life) (7:13)

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

The banks receive massive paydays by collecting interest off of YOUR savings.

Here's how:

Banks don't let the money you give them sit there. They loan it out as fast as they can, marking it up with interest, and selling it back to us in the form of car loans, mortgages, business loans, etc.

They do all this because they make a much higher profit by keeping the money in motion, rather than letting it sit.

Worst part?

They tell us to let our money sit — so they can profit off of us and our savings!

Sounds like a lose-lose to me.

But here's the good news:

With a whole life insurance policy, you can stop relying on the banks. In essence, you can become your own bank. And when you do this, you're in complete control. Here's how:

• You get guaranteed growth / return on investment (and we're not talking under 1% like you get in savings accounts)
• You have the ability to access your savings income — tax and penalty free — whenever you want
• And you can borrow against the full amount of your savings (without risk of a margin call) — rather than withdrawing your money. Allowing your savings to continue to snowball and grow!

Sounds pretty good, right?

Well, in today's episode, you'll discover the exact method the banks use to make massive paydays off of your savings (and how you can reverse this scam for yourself.)

Listen now!

Show Highlights Include:

• How to utilize the exact method banks use to increase their wealth (and no it's got nothing to do with investing in the stock market or giving out loans to other people) (0:45)
• Think earning a 10 or 12% interest on the stock market is great? Here's how the banks are blitzing past that figure by keeping their money in motion (4:05)
• Do you have the courage to capture as much earning power of your dollars as you can possibly handle — and never rely on the banks again? (6:56)
• 4 ways you can transform your whole life insurance policy into a well oiled, money-making savings machine (8:17)

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

When you pay yourself back with interest, you can:

• Avoid paying the banks ANY interest (and pay your banking system that interest instead.)
• Potentially retire with a larger nest egg, because you're receiving that excess interest
• And you'll stop forking over your hard-earned money to Wells Fargo or some other greedy banker

All of this sounds great, but one of the biggest questions my clients ask when they first hear of this: How do I get this extra interest into my policy?

And how does this extra interest grow my personal banking system?

Great questions.

And in today's episode, I reveal the mechanics of paying yourself back with interest.

Listen now!

Show Highlights Include:

• The "Honest Banker" method to double (or triple) the amount of interest you earn in your whole life policy (1:12)
• Why deliberately denying yourself of your money right now (but not really, because those funds are available to you) will grow your nest egg much quicker (and it's got nothing to do with investing in stocks, bonds, crypto, or real estate) (1:52)
• Valerie's step-by-step process on how to pay yourself as much interest as humanly possible (1:59)
• How to guarantee a certain interest rate for life (3:13)
• If you pay too much premium, you run the risk of having to pay tax and withdrawal fees. Here's how to avoid that (3:58)
• How to snowball your personal banking system into a cash making machine (7:30)
• Think it's better to buy things in cash than take out a loan? Here's why doing that means you're losing the earning power of those dollars (10:36)

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

Banks potentially steal tens of thousands of dollars by the time you retire.

How?

With compounding interest.

I know, not a revolutionary concept, but considering how a loan for a $30,000 car actually costs more like $40,000 when you factor in an 11% interest rate...

Banks steal from you every day you're paying back a loan — (well actually, you are willingly throwing extra money at them!)

That's the bad news.

The good news?

You can avoid paying the banks ANY interest (and pay yourself that interest.)

And when you do this, you're going to potentially retire with a larger nest egg, because you're saving up that excess interest (and not forking it over to Wells Fargo or some other greedy banker.)

So, if this excites you, then read on.

In today's episode, you'll discover how to stop stealing money from yourself.

Listen now!

Show Highlights Include:

• Why paying yourself back with interest allows you to grow a large nest egg by the time you retire (a much bigger savings pool than if you housed your money at a bank) (2:48)
• Interested in setting your own interest rate? Try an "Amortization Schedule" (3:35)
• How to borrow money to invest in short-term rental properties (and continue to grow the overall cash value of your personal banking system at the same time) (4:02)
• A simple "trick" to potentially save tens of thousands of dollars towards your retirement (and stop forking over this money to your bank) (4:42)

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 terrible place to invest your money.

And that's because life insurance is an asset, not an investment.

With infinite banking, you're housing your money there as opposed to housing it with a bank. And from there, you can invest it however you want — pay off your house, debt, invest in short-term rental properties, etc.

The trap Dave Ramsey and other financial gurus fall for is thinking that all whole life insurance is the same.

But it's not.

In fact, there's a huge difference between IBC and a non-IBC style policy.

And in today's episode, I reveal the difference between the two.

Listen now!

Show Highlights Include:

• What financial gurus like Dave Ramsey get dead wrong about whole life insurance policies (1:18)
• How you could end up with $0 in your life insurance policy if you make this simple hiring mistake (3:34)
• The "snowball effect" you can use to build up your retirement savings (7:05)
• How to pay lower premiums (and make your cash more efficient) (8:36)
• Not sure how much you should put into your policy each year? Here's how much you should pay per year to get the most out of your personal banking system (9:26)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

One of my new clients woke up with $0 in her life insurance policy after 33 years of funding.

Worst part?

Her premium was about to increase 1,300%.

Yep, 1,300%!

I tell you this because if you don't know any better, you can choose a life insurance policy that's not optimal for your personal banking system.

Many people make this mistake when getting started in IBC.

But in today's episode, you'll discover how to avoid waking up with $0 in your life insurance policy.

Listen now!

Show Highlights Include:

• How to access 50% of the death benefit on your whole life insurance policy BEFORE you die with a "CR" (2:03)
• How to potentially de-risk investing in the S&P 500 (10:18)
• Why an IUL could leave you with $0 in your savings account by the time you retire (14:24)
• How these 2 types of life insurance policies legally puts all the risk of managing your money on you (17:22)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

If you develop a serious medical condition, you can be banned from whole life insurance (or any life insurance contract!).

This is fairly well-known, but there is a way around it: Term insurance.

With term insurance, your ability to be insured is "locked in" — even if you develop cancer or another fatal disease decades later.

Best part?

You can convert your term insurance into a whole life policy. The benefit is that you can ensure your ability to create and grow your own personal banking system.

In today's episode, you'll discover how term insurance can be an integral part of growing your banking system and how it can allow you to build upon your nest egg in the years to come.

Listen now!

Show Highlights Include:

• Interested in creating a tax-free personal banking system? Here's why you should only use whole life insurance (rather than other types of "permanent" insurance) (3:22)
• How to boost up your life insurance coverage if the whole life death benefit is too expensive (this is a great way to get started if you can't afford whole life just yet) (4:25)
• The simple way term insurance allows you lock in your insurability and open new whole life contracts (even after you might be considered uninsurable) (5:52)
• How to receive coverage after a disease that would normally leave you uninsurable with term insurance (8:19)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

Your savings can be taxed if you set your life insurance up incorrectly.

Simply put, when you deposit "too much" into a life insurance policy, you create a "Modified Endowment Contract" (MEC.)

So, what are the disadvantages of a MEC?

• Any gains you make in your policy will be taxed at your individual tax rate upon withdrawal
• There's a 10% early withdrawal penalty if you try to take out before 59.5
• Because of the 10% penalty, your money is less accessible

Worst part?

Once your policy has been established as a MEC, it's impossible to overturn.

So, how do we avoid converting our policy into a MEC?

In today's episode, you'll discover how to make sure your policy remains tax free forever.

Listen now!

Show Highlights Include:

• How converting your policy into a "MEC" forces you to pay income tax on the growth of your savings (1:03)
• How the same death benefit can cost you either $50 a month or $200 a month and what the difference is (4:59)
• How to avoid paying any agents or brokers fees when investing in a whole life insurance policy with "paid up additions" (6:06)
• Why shrinking your policy's death benefit legally allows you to receive a higher payout when you retire (11:15)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509Infinite Banking Mastery (infinitebankingnorthwest.com)

If you're not using your money to make money, someone else is.

While you think your money is safe in the bank, they're loaning it out — at interest.

This is how they make their real money. But, what if you were able to cut them out…

And become your own bank?

With a whole life insurance policy, you can! When you become your own bank, you can:

• Earn interest on the amount of money you're spending
• Eliminate pesky inflation
• And borrow against your savings, purchasing rental properties and other cash producing investments (without spending a cent of your own money), or paying off debts to outside banks

Sounds pretty good, right?

Well, in today's episode…

You'll discover how to build a financial empire by becoming your own bank.

Listen now!

Show Highlights Include:

• Why saving like an entrepreneur unlocks financial freedom when you retire — and lets you retire a lot sooner (5:59)
• How to get $100K to purchase a rental property (without spending any of your own money) (9:39)
• Scared of credit card debt? Here's how to start earning "interest" on every penny you have (11:13)
• The "Paid Up Additions" secret to transform a "boring" life insurance policy into a money making powerhouse (13:53)

Reach out to me:

[email protected]

https://www.linkedin.com/in/valerie-laroque-lacp-b569509I

nfinite Banking Mastery (infinitebankingnorthwest.com)

Banks are the biggest hypocrites.

They, and many financial gurus, like Dave Ramsey, convince you to amass a large fortune and then let it sit.

Yet banks do the complete opposite of what they tell you. They make their money by loaning out your savings to other people, all while earning interest. And the reason why they tell you to leave your money in the bank?

So they can put your money in motion and make profits on it themselves!

Why not take these actions yourself? Why don't you start to put your money in motion, and start earning interest like the banks do?

In today's episode, I show you how to use other people's money to infinitely create more cash flow — this method is approved by the banks and Robert Kiyosaki. I also show you the bizarre way to take out a $100K loan — without plunging yourself into $100K of debt.

Listen now!

Show Highlights Include:

• How to replenish your life insurance loan by setting up an "ETF" (no, not Exchange Traded Fund) (3:49)
• How much should I save so that I can feel more secure about my retirement years? (4:38)
• How to use other people's money to infinitely create more cash flow, as well as recycle your own money (all approved by Robert Kiyosaki) (9:16)
• How your $100K can be doing two things at once. (10:02)
• Why you only have 13 and a half years of your life to touch your own money—without penalty—because of a bloated federal government (13:03)

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