Infinite Banking Mastery

Planning for future income for that time when you are no longer working or are working less, is important, and with so many options it can be confusing to know what you should do.

And if it weren't hard enough already, it gets even more complicated when you factor in taxes on that income.

I'm here to help!

Listen now!

Show highlights include:

• Have a pension? Three reasons to hang onto this increasingly rare retirement benefit. (1:52)
• Common Social Security miscalculation couples make that could leave you hurting while heartbroken. (3:16)
• Why life insurance is critical if you're depending on Social Security. (4:15)
• Why your tax bracket matters. (5:56)
• Today's market volatility is bad enough. Now learn about the hungry "money monster" waiting to eat a chunk of a certain savings account when you retire. (6:57)

Reach out to me:

[email protected]

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

You know you can borrow against the cash value of your Whole Life insurance policy. But you're thinking about a conventional loan like a mortgage or a HELOC. Will your life insurance loan be a red flag to the bank? How much will it matter?

In this episode I'll explain how the banks really view life insurance loans, and why you shouldn't let one scare you into thinking you couldn't get a conventional loan.

I'll also share a little more on last week's topic to help you appreciate the importance of having your own life insurance policy that's yours no matter where you are or what you're doing.

Listen now!

Show highlights include:

• Why you're skating on thin ice if you only have insurance coverage from your employer. And what to do before you find yourself underwater. (2:07)
• What to look for in life insurance explained in one minute. (3:25)
• Fine print to look for so you can know if that Term Life plan is flexible enough to convert into permanent coverage you'll actually want. (3:57)
• Why banks don't care how much you've borrowed from your life insurance. (7:29)
• Unique insurance company practice that confuses loan officers at conventional banks. How to keep it from derailing your loan application. (9:01)
• How to leverage the benefits of Whole Life insurance and build your credit at the same time. (10:05)

Reach out to me:

[email protected]

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

You know life insurance is important, but you've been putting it off.

Waiting until you can afford a Whole Life policy, instead of just Term…

Or until you can qualify for a better health rating…

Maybe you're "on the fence" about Infinite Banking and want to sort it all out before putting money into an insurance policy.

Whatever the reason, if you don't have life insurance this episode is for you. I'll explain why the risks of waiting are so great that not having life insurance is something you need to fix immediately.

Listen now!

Show highlights include:

• Now or later? Why you should get life insurance even if you're still undecided about implementing the Infinite Banking Concept. (1:01)
• When getting Term Life insurance might be better than a Whole Life policy. (2:32)
• How Term insurance today can save you a troubling medical exam later. (2:56)
• Can you get new life insurance after surviving cancer? Maybe, but you shouldn't count on it. (3:10)
• Why life insurance is critical for small business owners. (5:38)
• How GoFundMe campaigns fall short, and why you shouldn't depend on them despite their wonderful intentions. (9:32)
• Surprising reason to get disability coverage, even if it excludes a problem you already have. (10:57)
• Why locking in coverage at a lower health rating–and higher premium–is better than waiting until your health improves. Even if it really does! (12:22)

Reach out to me:

[email protected]

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

You know it's important to have money in the later years of your life. And you might think the conventional wisdom must be the safe way to go.

But you need to listen to this episode first! I'll explain why following the crowd might be the worst thing you could do, and what to consider before making that decision.

Listen now!

Show highlights include:

• Why it's a mistake to view Whole Life Insurance companies as carbon copies of one another. (1:05)
• How Whole Life companies are defying the stereotype of being "behind the times" with technology. (1:45)
• "Co-owner Effect" you must achieve with a mutual company. Walk away if they don't do this! (2:19)
• How to lose 30% of your life savings in just one month, without going to Las Vegas. (3:34)
• Shocking realization from the 2008 market collapse that forever changed my perspective on client advice. (5:02)
• Simple exercise to counteract stress's physical impact on your body. (6:01)
• Pensions are vanishing in the U.S. Here's how to make your own. (7:54)

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

I just returned from this year's IBC Think Tank. Not only did I have the privilege of presenting, I also learned from some of the top minds in Infinite Banking today.

Today I'm sharing the highlights of the event with you, so you can know what's relevant in Infinite Banking right now, and be equipped to make good decisions with your financial planning.

Listen now!

Show highlights include:

• How Nelson Nash's first policy proves IBC can work even with a "plain" whole life policy. (3:22)
• The two vital components of a "MEC Resistant" policy so you can avoid a surprise visit from Uncle Sam. (4:17)
• Dividend Difference: Why dividends aren't identical for Base premiums and Paid-up Additions premiums, and which one is higher. (5:03)
• Why the "Honest Banker" concept isn't just for repaying your loans. (5:54)
• Are Wall Street "pirates" plundering your retirement assets? Shocking facts about the U.S. economy compared to European nations. (8:33)
• What "buy term and invest the difference" advocates ignore when steering people away from Whole Life insurance. (10:11)

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

Velocity Banking is getting a lot of attention, and many people are confusing it with Infinite Banking.

While there are similarities, these two concepts have different main goals. In this episode I'll explain those differences so you can see why, for most people, Infinite Banking is the robust solution. You'll also learn how Infinite Banking can help you achieve most of what Velocity Banking does, without taking on all the volatility and risk.

Listen now!

Show highlights include:

• Why Whole Life insurance remains fundamental to Infinite Banking after all these years. (0:57)
• The "one track mind" of Velocity Banking and how this hyperfocus can cut years off your mortgage. (2:57)
• Rarely-mentioned reason most people considering Velocity Banking would fail if they tried it. (5:09)
• Big picture considerations ignored by Velocity Banking, but not by Infinite Banking. (6:49)
• How to use Infinite Banking to get similar results without the risks and headaches of Velocity Banking. (7:15)
• Why Velocity Banking only works for disciplined consumers, and the disastrous consequences waiting for undisciplined users. (8:23)

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

You've heard some people borrow from their life insurance policy and don't pay it back. And you might be thinking: "I'll do the same thing! Why not?"

You'll want to listen to this episode because I'll share why not treating yourself like an honest banker is a bad idea.

I'll also explain all the repayment options available to you, and what to do if you have a financial hardship and don't think you can repay your loan like you had planned.

Listen now!

Show highlights include:

• "Repayment Refresher"--The many ways to repay your loan and how to set up a loan repayment. (1:47)
• Loan payment "magic trick" for life insurance loans that conventional bank loans can't match. (3:17)
• Why I don't recommend using dividends to repay your loan, even though you could. (5:15)
• Money's tight? Can't repay your loan? Try this before surrendering. (5:49)
• What really happens if you don't repay your loan. (7:01)
• How reckless borrowing and careless repayment can combine to cost you your policy. (8:32)
• The tax return nightmare that follows a policy lapse. (9:26)
• Why the "honest banker policy" is the best approach to IBC. (9:54)

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

You know one of the benefits of an Infinite Banking Concept is the ability to "be your own banker" and borrow against your life insurance policy.

But you might be wondering: "How exactly do I do that?"

No need to worry, because in this episode I'll lay it all out for you step-by-step. I'll also explain why even though it isn't an "instant" process, IBC clients still prefer it far more than conventional bank loans.

Listen now!

Show highlights include:

• Why you can borrow against Whole Life insurance, but not Term Life. (1:40)
• What to ask your agent if you aren't sure if you can borrow yet. (2:55)
• The "95 Rule" to quickly estimate how much you can borrow. (3:45)
• How your agent can often get your funds faster than requesting your loan online. (4:11)
• Real reason your Whole Life insurance company only sends one statement per year. Hint: It isn't to save paper. (5:28)
• Want to borrow without paperwork? It's possible, but here's what you need to know before you try. (6:33)
• What actually happens with the interest you pay when repaying your loans. (7:42)
• How long it takes to get the funds you request, and common variables that could make it faster or slower. (9:15)
• Great loan debate: Small loans more often, or big loans occasionally? The clear winner explained. (10:59)
• Why clients prefer borrowing against Whole Life insurance instead of traditional loans from a bank. (11:50)

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

It's not uncommon for people to hear about Infinite Banking and think it's too good to be true. They think there must be some downside!

And while I don't believe there are any actual downsides, there are a few things that could look bad when you're just starting to learn the ins and outs of IBC.

So, in this episode, I'm going to walk you through those concerns and explain what's actually happening. I'll help you see there is no "boogeyman" waiting in the closet to surprise you once you start Infinite Banking. There's just an effective way for you to make your money work better for you and your plans.

Listen now!

Show highlights include:

• The one type of person Infinite Banking cannot satisfy. (1:11)
• Startup Secret: How treating Infinite Banking like a business transforms what looks like a downside into a sensational benefit. (2:44)
• Why good advisers insist you read Nelson Nash's Becoming Your Own Banker before meeting with them. (6:54)
• "Premium Myth" busted: Why you don't need astronomical premiums for an effective Whole Life policy. (7:34)
• Real reason Whole Life premiums are higher than Term Life, and why that shouldn't scare you. (8:04)
• Thinking about IBC but also want investments? Overlooked way to do both instead of just one. (10:30)
• How to fund a Whole Life policy without a lifetime of premium payments. And how to know if this approach is right for you. (11:09)

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

Everybody thinks about retirement.

Not everybody thinks about how they'll have the cash flow they need to enjoy retirement.

Today I'm here to help you with that. I'll explain four different options for retirement cash flow so you can see which ones make sense for you.

Listen now!

Show highlights include:

• Cash Flow vs. Big Pile of Assets: Which one is better, and how to get them playing on the same team for even better results. (0:48)
• Potent "1-2 Punch" Whole Life insurance delivers in retirement years. (1:39)
• Why borrowing against your Whole Life Insurance cash value in retirement beats loans from commercial banks. (1:50)
• Simple but proven borrowing strategy to ensure you'll have the cash you're counting on when you need it most. (2:18)
• Thinking about partial withdrawals? Here are the "pros and cons" to weigh so you can make the right decision for youself. (3:08)
• Why Uncle Sam loves it if you terminate your Whole Life Insurance policy. (3:45)
• Safely navigate the "annuity maze" with this high-level overview of the different annuity types. (6:29)
• How to leverage Whole Life Insurance to easily double your cash-flowing assets. It's legal, ethical, and more popular than ever. (8:20)
• Surprising way a part time job could increase your Social Security benefits by 8 percent each year. And how to decide if it's worth it. (9:28)

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