Front Loaded Whole Life Insurance Explained

This is my favorite strategy for entrepreneurs and investors who are sitting on capital and want all the benefits of life insurance without being obligated to large ongoing payments.

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[themillennialwealthcreator]

Fantastic training. Thank you for putting this together.

[yukoncornelius]

What are the advantages related specifically to the front loading of the policy though?

[Mr.RobinsonLBC]

I am trying to build up enough to front load a policy like this... This would be a good financial vehicle to use towards retirement, where I can pay into the policy and pull out $50-60k a year in retirement every year after 65

[gk_filer]

How much commission is paid out over time and what are the surrender charges?

[lenering]

Please make a video showing how is a whole life insurance policy for people who don't have a lot of money.

[eliphashashikutuva]

Hey just wanted to ask is there life insurance available for business owners that don't live in the US and are not any type of resident, visa or no citizen.But have a online business in the United States.

[bassgroove]

How much money do you have at 30 years if you just invested in SP 500 Index with all of those premiums?

[coryreedy]

Caleb, just out of curiosity, did you run this at like 70-75% PUA rider and 25-30% base?

[bassgroove]

It takes 30 years to get to 4% interest rate and you think that is a win in the growth category for life insurance?

[jacobzelasko]

Why is the maximum premium 20k after the front loaded yr 1?

[RobertSutton-gbps]

If I had $100, 000 to pay in for my initial payment payment, I would already be where I’m trying to get to

[Unicorn-Black]

Hi, thanks for this video, but I feel you are missing two very important things, and hope you can explain or post a video about them,
1. it is a bit unfair, or maybe not relevant to compare front loaded IB to saving, you should compare it to regular IB, where you keep your spare money in saving and use it to fill up the gap next X years - why ? because if one decides to do IB, he will need to decide front load or not, not decide if to do saving or front lod.
if one he has 100K, he can decide to do 100K front load and 20 every year (from his income), or do 30K every year (starting from year 2 use 20k from income) while keeping the 70k (left from the 100) in saving for one year and in the next year use 20k from income and additional 10k from saving and so on
(you can find the optimum version maybe 40k every year is better) I would love to see that comparison, to decide if I want to front load or spread my 100k over the first 10 / 5/ 15 years, while keeping part of in my saving, compared to front loading it

2. there is missing line in your 12 items, which is the cost of using the money, IB has a 5% cost (loan) maybe - the earning div cost, and saving has no cost of using the money

[sahmeerodies]

I think I’m confused on why put all this money up to have more cash value that you can’t take out, but can loan against,
Rather than put the money in the S&P 500 and take a loan against that if needed

[Mr.RobinsonLBC]

Can you please send me hard copy info regarding this account and how to open it with your company? I live in California, Los Angeles... Do you accept clients in my area?

[dailstancill]

Tax-free part could be explained better. I get policy loans but your premium dollars are what compiled so when when you take a policy loan to access your money interest is being paid so not really tax-free totally or maybe fee-free. I've been searching for an actuarial explanation of how policy loans work and why "stealing the peas" is frowned upon on the front end but holy grail as tax-free retirement in the back end??? Yes, actuarial science can get hairy but it's what all life insurance is rooted in.

[markf.]

You show comparisons to a basic savings account, but you don't show comparisons to a serious investment account. Most people are interested in the growth of their funds, not in simply storing their funds. Using your example, they'd be better off storing their cash in a matress for the 1st 8 years than pouring it into a whole life policy. This whole life strategy would be perfect for someone whose goals are:
Lose thousands of dollars in the early years.
Experience pathetic growth in the later years of a fund they don't get to keep.
Have a complex process of getting some of that money back as loans that must then be repaid with interest.
Have tax-free growth of their cash value knowing they can only borrow from that fund and will lose it at death.
Have a death benefit still at age 70 and beyond even if they don't need it but they paid for it anyway.

[RobertSutton-gbps]

Wait, we’re taking a 35 year old that is putting in $100, 000 starting over who at 35 years old has $100, 000 to make his first initial insurance payment. Please introduce me to not trying to be funny. I am being so serious. I want to get a life insurance policy. I am actually working with the infinite bank illustration, but still not convinced before I sign policy I need to see how this works for somebody that makes my type of income.

[RobertSutton-gbps]

See what I mean I put my last comment up before I even watch the video but as soon as you start the video you’re already talking about front loading policy with $10, 000 a year who has $10, 000 a year to pay into an insurance policy or even 10, 000 to pay in for premiumsnot trying to be disrespectful but if I had that type of money to pay into a whole life insurance policy, I will already be in a position where I want to be it just seems that when y’all talk about all these different policies and stuff y’all talk about people that already have money, not people that are struggling trying to get to money

[marioandultrachap]

Yeah what bothers me is this suppose to help save and grow money yet I gotta lose money for the first 3 years or more that I could of use to invest in something else.

[KG-whyv]

How is this better than 3-month Treasury's at 5% Annualized ? Your Cash Value is about 25-30% less than Treasury's from day 1.
Are Treasury's going to stay the same no. But still if you are retiring in the next 8 years this looks terrible. Maybe if your 25 years old.