Infinite Banking Mastery

A key benefit of Infinite Banking is the ability to borrow against the cash value in a Whole Life insurance policy. So you might be wondering: "Does it have to be specially built, or will any Whole Life policy work?"

This is a great question because it helps us appreciate the difference between something that technically works and something that works for you the best it possibly can.

In this episode, I'll explain why it's best to start with a Whole Life insurance policy specifically structured for IBC, when your interest is in creating a family banking system. I'll also share when it makes sense to use your existing Whole Life policy, even though you started it before you knew what Infinite Banking was.

Listen now!

Show highlights include:

• Essential provision your Whole Life policy must have if you're using it for IBC. (1:34)
• Why the actions you take matter more than compound interest. (2:19)
• Counterintuitive reason to repay yourself with more interest than the insurance company charges. (2:59)
• 3 ways your life insurance company can accept funds, and how it affects the extra interest you pay yourself on your loans. (4:28)
• Should you replace your traditional whole life policy? Here's when it makes sense to keep it. (11:07)
• Ideal way to start IBC, so you can have cash value available sooner. (11:32)
• Why you shouldn't use an IUL for Infinite Banking. (13:30)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

It's time to bust another myth about Infinite Banking.

This time I'm tackling the mistaken idea that borrowing against your life insurance policy makes you lose money. I'll explain where the confusion comes from, and the truth about IBC and borrowing.

Listen now!

Show highlights include:

• Surprising source of IBC confusion. (1:15)
• IBC loans "de-mystified." What actually happens when you take a policy loan. (1:45)
• Unique advantages to borrowing against your policy cash value, instead of from a bank. (2:04)
• Why life insurance loans are the most efficient type of loan. (3:59)
• 3 concerns that fuel confusion about life insurance loans. (5:00)
• Beware! Risks that actually could wreck your policy. (8:54)
• Bank Loans and Credit vs. Policy loans. The clear-cut winner. (12:27)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

Some people think Infinite Banking is only for retirement planning. But while IBC is wonderful in retirement, it's a mistake to think it can only help you later in life.

In this episode, I'll explain the multitude of ways IBC can help you plan in all stages, not just retirement.

Listen now!

Show highlights include:

• Key features of IBC and common pitfalls to avoid. (2:41)
• Unbelievable flexibility of IBC policy loans. (3:16)
• How IBC benefits entrepreneurs without making them debt slaves to banks. (5:28)
• Why you shouldn't borrow against your policy too often, even though you can. (6:24)
• How to make your emergency fund work harder, without losing access to funds when you need them most. (7:26)
• Distinguished way to help your kids or grandchildren with college expenses, and it doesn't hurt their FAFSA. (8:03)
• The simple move that smashes high-interest debt with low-stress rate and payment terms you choose. (9:00)
• IBC's "Carpe Diem" secret to capture time-sensitive opportunities — even in real estate. (10:12)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

I've shared several details before about how I discovered IBC and started advising other people. But if you've ever wanted to know more, then you'll love this episode.

That's because I'm sharing my recent appearance on the Infinite Banking Initiative podcast from the Nelson Nash Institute. And it is all about how I found IBC, and the impact it has on me and my clients.

This is the most-detailed account I've shared about my journey from entrepreneur to IBC, and the bumps and detours I took along the way.

Listen now!

Show highlights include:

• The shocking job offer (right after I bombed an interview) that changed my life. (8:56)
• How 2008 shattered my perceptions and nearly forced me out of advising for good. (10:30)
• Random way I met my mentor, and the mindblowing 1-hour meeting that sold me on IBC. (14:18)
• My Raw reaction to Becoming Your Own Banker — and the "forbidden" word it embraced, but Wall Street couldn't handle. (19:49)
• What going "all in" on IBC really means — and how 9 policies power my financial life. (21:24)
• Real-life examples of how far IBC's flexibility can take you. (27:19)
• The one thing I'd change about my IBC journey, if I could. (29:31)
• Why it matters whether your advisor has a mentor. (31:16)
• The biggest myth about IBC — and why it melts under scrutiny. (33:52)

Reach out to me:

[email protected]

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

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)