Yes. Any permanent policy can be used for private banking. The official Infinite Banking design is overfunded, not maximum overfunded. That gap is the whole strategy.
infinite banking
8 posts
Many misunderstand cash value life insurance, believing the company keeps the cash value at death. In reality, cash value forms part of the death benefit. This structure allows the insurer to manage risk conservatively while giving policy owners access to growing value for innovative financial strategies.
Discover what no one tells you about infinite banking. It works with any permanent life insurance policy, yet most “infinite banking” plans are deliberately underfunded. Learn why the “pay yourself interest” pitch is deceptive and how a properly designed maximum overfunded policy delivers far greater cash value, real estate leverage power, and tax-free retirement income that beats the 4% rule.
Private banking strategies like The Double Play require a maximum over-funded life insurance policy to get the most benefit. Not every "over-funded" policy is funded right up to the legal Maximum (Minimum non-MEC). The best way to know that your policy design is funded right to the minimum non-MEC threshold is to look at the ratio of the cash value to the premium in the first policy year of your Illustration. If it is not 85-90%, then the policy is likely not designed right.
How often do you hear the recommendation to “Buy Term and Invest the Difference” when the subject of permanent life insurance comes up? Do you accept that statement at face value? Or are you like me and you need to see some proof? The Premise The premise behind “Buy Term […]
Podcast for Patriots - Podcast Interview with Tom Rutkowski discussing Investing in Real Estate Using Life Insurance.
The goal of this post is to debunk the top 5 most common Life Insurance Myths. Life insurance is a powerful tool for Private Banking.
Beware of Whole Life and IUL bias online. Both Whole Life and IUL are safe policies for The Double Play and Life Insurance Retirement Plans.