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A typical whole life insurance policy won’t give you the high early cash value and long-term growth you need for Infinite Banking.  As enticing as its certainty and control are to wealth creators, it’s not enough.  You’ll need enhancements to convert your policy from a slow equity-builder into one that you can use quickly. Cash-value life insurance modifications are like custom upgrades on a standard model floorplan when you’re building a house.  These design features make all the difference between an accumulation plan and one you can actually use.

In What Kind of Policy Do You Want, Part 1, we discussed the type of life insurance we use: a dividend-paying whole life insurance contract with a mutual company that has guaranteed premiums, guaranteed cash value, and a guaranteed death benefit.  Now it’s time to step it up a notch.

High cash value upfront and long-term performance are highly achievable when you design the policy in a specialized way. This custom design includes specific funding ratios and high-performance custom modifications to a whole life insurance policy.

Table of contentsWhy You’re Shopping for a High Cash Value Life Insurance PolicyWhat We’ll CoverWhere Privatized Banking Fits into Your Cash Flow SystemFunding a Privatized Banking PolicyThe Teeter-Totter Effect Between High Early Cash Value and Long-Term GrowthHigh Early Cash ValueLong-Term GrowthMaximizing Both Liquidity and GrowthThree Types of Premium and What Each Does BestBase PremiumPaid-Up Additions RiderWhy PUAs Aren't Superior to Base PremiumTerm RiderThe Balance Between Base Premium and PUAsThe Impact of Premium Type on Dividends and Long-Term GrowthHow Dividends Impact Your GrowthThe Relationship Between Premium Type and Dividends PaidThe Ideal Funding Ratio For High Cash Value Life InsuranceCustom Design Is More Important Than the FormulaHigh-Performance ModificationsDividend OptionsWaiver of PremiumHigh Cash Value Life Insurance and Break-Even YearsNon-Negotiables vs. Minor Details That Cause ConfusionDividend RatesDirect and Non-Direct RecognitionIn ConclusionYour Decision PointBuild Your Time and Money Freedom

Why You’re Shopping for a High Cash Value Life Insurance Policy

Why are you looking for high early cash value and long-term growth in cash value life insurance?

You want to secure the advantages of safety and liquidity of your money while maximizing your growth rate.  Your cash value component won’t drop in value, and you can access it through life insurance loans.  These advantages make whole life insurance an ideal place to store cash, allowing you to be your own bank.

You’re also grateful for the peace of mind that the policy's death benefit offers.  You are purchasing a net worth that will automatically self-complete when you die, even if you don’t get to live out your wealth creation.

But rather than just setting it and forgetting it, you plan to use your life insurance while you’re alive.  You want to use your capital along the way to invest in cash-flowing projects to accelerate your wealth creation in a process known as Privatized Banking.  Instead of giving up cash each time you purchase another asset, you maintain control of your capital.  Consequently, you reap the miracle of compound interest and earn a return in two places at the same time.

This is why it’s important that you don’t just get cash value life insurance that builds cash value at some point.  You want access to lots of cash value very early on.  Today’s article will show you how that is possible.

What We’ll Cover

Today, we’ll show you how we fine-tune cash value life insurance to get it to peak performance.  This is the secret sauce behind Privatized Banking.  It’s how we dress up a cash value life insurance policy and transform it into the superhero version.

We’ll answer:

What makes cash value life insurance specially designed?