Understanding The Cash Value In A Whole Life Policy | IBC Global

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Timestamps:
00:05 Intro For Understanding Cash Value
00:57 Two Polar Opposite Opinions About Whole Life Insurance
01:00 First One: Whole Life Insurance is the Worst Area to Put Your Money
01:16 Second One: Whole Life Insurance is The Best Area to Position Money
01:37 Why are there Two Polar Opposite Opinions Around Whole Life Insurance?
04:49 Core Benefits of Whole Life Insurance - #1 Safety
07:50 Core Benefit #2 Liquid
09:08 Core BEnefit #3 Tax-Free
10:42 Core Benefit #4 Always Compounding
13:06 Outro

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DISCLAIMER:
All advice and/or opinions expressed in our videos are the result of our experience in the insurance and financial industries. Any action taken based on the information expressed in our videos is the sole responsibility of the viewer. All content produced by Steve Parisi and IBC Global is made for informational purposes only.

#Finance #Insurance #WholeLife

[RudolphDocCampos]

Just found this on my newsfeed. Subscribed. Liked. Great work. Straight and to the point.

[asiabbbb]

THE MOST CLEAR EXPLAINATION IVE COME ACROSS

[edsvids]

This guy should win an oscar for Best actor of the year.

[DanielGrows]

I have 1M to invest. After watching your video I’ve decided to invest in the maker of the smart board you’re using. Please share this info because it’s awesome.

[NextKIN]

THIS GUY is THE best I've ever seen in the last 20 years! (this is not a paid advertisement... I'm just a person who watches this stuff... listen and LEARN guys)

[lofteyshabangu]

Very interesting stuff, now wondering if this policies work in the same or have similar benefits and products in my country 😒

[nguafacgilbert]

i will like to have more explanation on the reference between the index universal life insurance and fixed life insurance.
i will also like to understand the concept of Rebalancing a life insurance policy to maximize interest rates and cash value tax free access

[TheRichbo]

This was a great video. Thanks for the information. I'm currently living in the Netherlands. When it comes to insurance, does the same rules apply in Europe as well?

[growing]

5:35 sflta 7:50liq 9:10 tax free 10:45 always compounding

HCV characteristics

[mikep]

The only metric to consider is the growth in the DB, as that is what your estate receives. In the best scenario here, growth is 1% p.a., $1.185mm to $1.531mm after 30-years. That is what your money bought, since the insurer keeps the cash value amount. Didn't even keep up with inflation.

Insurance is not an investment. Buy it for what you need it for and only buy the right product.

[manofmatter.yvezchannel]

I have a Whole Life Insurance Policy.
I put 1 million on my policy, i got my 1 million back after 7 years and I still have 1 million to recieve when my age turns to 60 plus accrued dividends...in my country though...

[Bruli]

Question on the safe section.
Guarantee rate 4% PLUS an additional dividend RATE from 5-6%? Is that’s CORREXT

WE CAN SAY 4+4= 8?

Thank you I’m learning

[mikeross]

When you sell BOLI to a bank how many professionals are usually involved in the decision making process on the bank's side?

[migimnasiocasero]

Great video. what happen to cash value life insurance in a divorce?

[dmoon]

For the DB minus outstanding loan calculation, does that imply that the interest on the outstanding loan balance continues to be paid by the policyholder each year?

[jo]

So basically, this in a way, for real estate investing purposes, is another way to continually raise money for deals?

[chiweitan]

If I put $100k into a WLP with the intent of borrowing it out of that policy, would I not get a reduced value because the insurance company would want to keep some money in the policy. Am I right to say that?Usually, what is the percentage that the insurer want to keep?

[sheenspeaks]

Is the example on the right also known as limited pay whole life?

[caseymack]

Do you have to put the same amount in the policy year after year. If I put 20k in year 1 and 2 do I have do I have to put in 20k every year after? If I don't what happens?

[dailstancill]

Do you know any actuaries that have yt content explaining mechanics of permanent life insurance?