By John Montoya, John D. Perrings
4.8
5858 ratings
The podcast currently has 118 episodes available.
Out of all the misunderstandings about whole life insurance, the idea that it gets a "terrible rate of return" is probably the most common.
But is it true?
Tune in and, if you can, watch this one on video. I'm going to get out the Truth Concepts calculator and prove to you that whole life gets exceptional growth, compared to other assets, when you know how to compare capital equivalent value.
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EPISODE HIGHLIGHTS:
00:15 Debunking Myths About Whole Life Insurance
01:04 Recommended Reading for Whole Life Insurance
01:52 Understanding Whole Life Insurance Rate of Return
03:26 Using the Truth Concepts Calculator
05:10 Comparing Whole Life Insurance to Other Assets
09:16 The Value of Permanent Life Insurance
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LINKS:
SCHEDULE A CONSULTATION
https://www.strategicwholelife.com/p/...
Online Course: IBC MASTERY
https://www.stackedlife.com/ibc-mastery
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About Your Hosts:
Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics!
John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.
John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.
----
Connect with us
Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
https://www.strategicwholelife.com/p/...
----
ONLINE COURSE:
Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.
Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:
IBC MASTERY:
https://www.stackedlife.com/ibc-mastery
A financial mania is when everyone is clamoring to buy the same thing at the same time at any price.
Isn't that exactly what the typical financial planning advice has us do? Just about everyone you know is, right now and for the last twenty years, plowing dollar after dollar into an index fund tracking the S&P500, mutual funds, etc.
And the only information we have about this investment strategy is changing variables.
What about this precisely is a "financial plan?"
Tune in to learn about how principles beat variables every time.
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EPISODE HIGHLIGHTS:
00:18 What is a Mania or Bubble
01:03 Typical Financial Planning
03:46 The Problem with Average Rates of Return
04:44 The Uncertainty in Financial Planning
06:57 Planning Principles, not Variables
07:48 Accumulation + Distribution Assets
11:09 Strategies for Retirement Income
13:31 The Best Part is IBC Comes Attached Automatically
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LINKS:
SCHEDULE A CONSULTATION
https://www.strategicwholelife.com/p/contact/
Online Course: IBC MASTERY
https://www.stackedlife.com/ibc-mastery
----
About Your Hosts:
Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics!
John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.
John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.
----
Connect with us
Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
https://www.strategicwholelife.com/p/contact/
----
ONLINE COURSE:
Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.
Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:
IBC MASTERY:
https://www.stackedlife.com/ibc-mastery
A common misconception about whole life insurance is that you're locked into paying a big premium forever. In this episode, we'll discuss all the ways this is not true, especially when buying a policy designed for The Infinite Banking Concept, which most often uses the Paid-Up Additions Rider.
Certainty has a true economic value, and the predictability of a whole life premium over decades is a true financial boon.
Tune in to learn all about it!
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EPISODE HIGHLIGHTS:
02:21 Comparing Whole Life to Other Insurances
09:10 Flexibility offered by the PUA Rider
18:44 Billing Modes and Payment Strategies
24:36 Options for Managing Premium Payments
----
LINKS:
SCHEDULE A CONSULTATION
https://www.strategicwholelife.com/p/contact/
Online Course: IBC MASTERY
https://www.stackedlife.com/ibc-mastery
----
About Your Hosts:
Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics!
John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.
John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.
----
Connect with us
Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
https://www.strategicwholelife.com/p/contact/
----
ONLINE COURSE:
Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.
Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:
IBC MASTERY:
https://www.stackedlife.com/ibc-mastery
Follow us through time as we talk about how The Infinite Banking Concept can make a difference in your financial life at every stage of life.
We talk about IBC in our 20s, 30s, 40s, 50s, 60s, and 70s and beyond.
It's not called "Whole Life" insurance for nothing! Tune in...
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EPISODE HIGHLIGHTS:
02:26 Starting Infinite Banking in Your 20s
08:05 Building Wealth in Your 30s
12:34 Maximizing Financial Strategies in Your 40s
15:09 Financial Planning in Your 50s
19:40 Preparing for Retirement in Your 60s
29:00 Estate Planning and Legacy in Your 70s
31:36 Conclusion and Further Resources
----
LINKS:
SCHEDULE A CONSULTATION
https://www.strategicwholelife.com/p/contact/
Online Course: IBC MASTERY
https://www.stackedlife.com/ibc-mastery
----
About Your Hosts:
Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics!
John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.
John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.
----
Connect with us
Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
https://www.strategicwholelife.com/p/contact/
----
ONLINE COURSE:
Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.
Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:
IBC MASTERY:
https://www.stackedlife.com/ibc-mastery
In this episode, John Montoya explains the ins and outs of premium deposit funds.
If you've ever wondered about one of the ways to pay for whole life insurance with a single lump sum, tune in to this short and sweet episode for everything you need to know about premium deposit funds.
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EPISODE HIGHLIGHTS:
00:43 Advantages of Premium Deposit Funds
04:35 Considerations and Setup
05:58 Flexibility and Convenience
----
LINKS:
SCHEDULE A CONSULTATION
https://www.strategicwholelife.com/p/contact/
Online Course: IBC MASTERY
https://www.stackedlife.com/ibc-mastery
----
About Your Hosts:
Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics!
John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.
John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.
----
Connect with us
Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
https://www.strategicwholelife.com/p/contact/
----
ONLINE COURSE:
Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.
Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:
IBC MASTERY:
https://www.stackedlife.com/ibc-mastery
When comparing term insurance costs to whole life insurance, you can't use grade school math and add up the premiums paid over time.
With money, we must use financial math to account for the time variable. When we do that, the numbers tell a much different story than what the "buy term, invest the difference" people tell.
The true cost of term insurance could be tens of millions or more!
Join us today as we once again examine some numbers to reveal the truth about what term insurance really costs.
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EPISODE HIGHLIGHTS:
00:53 Understanding Asset Classes
01:39 Term Insurance vs. Whole Life Insurance
04:18 Cost Analysis: Math vs. Financial Math
06:30 Graphical Illustration of Costs
10:50 Generational Impact of Term Insurance
----
LINKS:
Get in touch: SCHEDULE A CONSULTATION
Online Course: IBC MASTERY
----
About Your Hosts:
Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics!
John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.
John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.
----
Connect with us
Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
----
ONLINE COURSE:
Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.
Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:
IBC MASTERY
John Montoya covers 31 insights he devised about the importance of whole life insurance.
This is a detailed list of observations, ranging from whole life's historical significance and tax advantages to its role in financial independence, the banking function, and family security.
There really is no other asset like whole life insurance!
Tune in...
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EPISODE HIGHLIGHTS:
00:21 The Motivation Behind This Episode
00:57 31 Key Insights About Whole Life Insurance
05:36 The Philosophy and Impact of Whole Life Insurance
11:40 Avoiding "Arrival Syndrome"
17:26 Encouragement and Final Thoughts
----
LINKS:
Get in touch: SCHEDULE A CONSULTATION
Online Course: IBC MASTERY
----
About Your Hosts:
Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics!
John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.
John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.
----
Connect with us
Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
----
ONLINE COURSE:
Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.
Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:
IBC MASTERY
When comparing the costs of term life insurance vs whole life insurance, we can't just compare the premium prices and call it a day.
Because whole life insurance is an asset that builds equity, not all premiums are a true cost like they are with term insurance.
In this episode, we break down the math and provide a real, apples-to-apples comparison of the true costs of term vs. whole life. Check it out!
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EPISODE HIGHLIGHTS:
00:20 Term vs. Whole Life Insurance
01:11 The Math Behind Insurance Costs
04:00 Term Insurance Risks
06:29 Whole Life Insurance Builds Equity
12:55 Real Client Example: Cost Analysis
18:41 The Unseen Costs of Term Insurance
----
LINKS:
Get in touch: SCHEDULE A CONSULTATION
Online Course: IBC MASTERY
----
About Your Hosts:
Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics!
John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.
John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.
----
Connect with us
Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
----
ONLINE COURSE:
Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.
Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:
IBC MASTERY
In today's episode, we discuss a misleading IUL ad we found on Instagram. We break down the numbers to explain why this ad (and IUL in general) is, in our professional opinion, a smoke-and-mirrors game.
Indexed Universal Life (IUL) is often touted as "unbundled whole life insurance" or, worse, just like an investment but with no risk...
Nothing could be further from the truth. IUL is not an investment, and it's not just "unbundled whole life," either.
Tune in to learn all about IUL.
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EPISODE HIGHLIGHTS:
00:17 Misleading IUL Ads: A Real-Life Example
02:01 The Impermanence of IUL Policies
04:20 What Floors, Caps, and Par Rates Do to the Numbers!
08:24 Historical Context and Regulatory Changes
27:37 The Cost of Insurance in IUL Policies
35:17 A Call to Action If You Own an IUL Policy
----
LINKS:
Get in touch: SCHEDULE A CONSULTATION
Online Course: IBC MASTERY
----
About Your Hosts:
Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics!
John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.
John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.
----
Connect with us
Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
----
ONLINE COURSE:
Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.
Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:
IBC MASTERY
Today, we have a special guest, Dave Mozeika, co-founder of the cash flow platform called Currence.
In episode 103, we discussed the problem of a lack of focus on savings and spending. Today's topic, Currence, is the solution to that problem.
Currence is about setting up a better cash flow structure that, combined with IBC, can create financial freedom faster than you ever thought possible.
Tune in to learn how!
>>Talk to us about Currence<<
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EPISODE HIGHLIGHTS:
(00:12) Guest Introduction: Dave Mozica
(00:54) The Problem with Budgeting
(01:25) Dave Mozica's Background and Career
(03:49) Understanding Cash Flow and Financial Structure
(05:24) Introduction to Currence
(09:07) How Currence Works
(19:19) Implementing Currence
(22:00) Currence and Infinite Banking Concept
(22:27) Managing IBC Transactions with Currence
(23:38) Integrating Currence with a Wealth Coordination Accounts
(24:32) Personal Examples of Multiple Checking Accounts
(26:17) The Currence Spending Baseline
(26:56) The Role of Calibration Sessions
(31:04) IBC Doesn’t Necessarily Fix Spending Problems
(32:48) The Power of Connected Cash Flow
(38:06) Success Stories and Client Experiences
(43:13) Empowering Advisors with Currence
(45:58) Final Thoughts and How to Get Started
----
LINKS:
Get in touch: SCHEDULE A CONSULTATION
Online Course: IBC MASTERY
----
About Your Hosts:
Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit from a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family—even the skeptics!
John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.
John Perrings started StackedLife Financial Strategies after a 20-year career in Silicon Valley's startup world, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.
----
Connect with us
Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
----
ONLINE COURSE:
Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.
Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:
IBC MASTERY
The podcast currently has 118 episodes available.
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