How To Front load Your Whole Life Insurance Policy

Learn how to front load your whole life insurance, a game-changing policy design! This design allows you to increase the living benefits and cash value of your policy in a big way. Not only that but many of these break even in less than half the time as standard whole-life policies.

The And Asset Youtube Channel - @AndAsset

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[Unicorn-Black]

Hi Caleb, it would have been great if you can share the name of the companies for the policies you showed as if its not one of the kings/aristocrats etc, it lowers the score I would give to such example, if its one of these, it will increase the score.

[ewizer]

Great video!! I had a question? I am thinking about buying an investment home this year, but also was thinking of getting a whole life policy. I wanted to know if I do get a policy and lets say my base is $2, 000, will this be considered part of my debt to Income ratio when purchasing a home? In other words will the Bank see the policy as Debt when doing they pre qualify me for my amount? I was thinking of waiting on getting a policy after purchasing my investment home. Let me know please. Thanks

[donnellhicks]

You did a great job explaining the method. You should have mentioned the name with a disclaimer. The due diligence is up to the individual. Thank you.

[shahzebh]

Great video but the best advice I’ve received is to buy term and invest the difference on your own. Better control and less complex.

[Bobventk]

15:15 “you don’t even have access to it if you put it in a 401k” this isn’t true dude. 401k has 90% liquidity day 1

[michaelmaignan]

Can you do a video for a toddler thats 6 years old would love to see what it will be like by the time they turn 18

[shawnmcintier]

You do get to where the police is what we call mature but an IUl will beat the WL all day long in the long run. Once you design the policy you can max fund it for as many years as you want. Like what happened to your death benefit dropped in ten years. This won’t happen in a IUL.

[davidgoodman]

Is there a way to learn to read and know what how a policy will function, like a policy review for the layman

[Unicorn-Black]

Hi Caleb, please accept this as positive feedback, im not trying to be a troll I love your videos, but I think this one is not solid, you are showing one side of front loading and not showing an apples-to-apples comparison with others more standard approach, and hinting that its great when in fact it could be that financially its not better than standard IB approach, I will explain, let me know if I'm wrong, or better show it in a video - do the apples to apples comparison
the way I would have presented this, is (numbers are examples only)
1. front load 100k, and pay the rest 30k - compare this to
2. no front load, put 70k (out of 100) in saving (you can get today 4-5%, lets say 3% over X years)
and do regular IB where instead of 30k, lets say you do 40k a year for 10-12 years until you run out of the 70k (which will grow so a bit more than 10 years)
and then switch back to do 30K a year
basically spread the front-loading spare over X years (play with it, maybe spread it over 3 years to produce better results, maybe spread over 15 years - don't know need to play with the insurance simulation)

so you have the same or similar liquidity, and you are not overpaying for premium (as if you put 100k first year its almost always increases your premium for the life of the policy

what do you say ? can you show such comparison?

[devronbaten]

Is the base contribution monthly? 3k a month? 4:26

[brandontemple]

Can I get one that had the cash value invested in Bitcoin?

[christham]

Hi Caleb, I really love your videos and the infinite banking concept. I live in Los Angeles. Do you have a broker you can recommend who specializes in infinite banking strategies?

[ttonww]

Hi,
I am just curious a lot about how many typical middle class can save up $10k/$20k/$30k+ a year for the premium? And let's say you can save up while having a job. What if someone lost their job and can't no longer pay for that $10k premium?

[Gettin_chunky]

So this only works if you already have tons of money at your disposal?

[DAVIDRAINWATER]

I like how you guys don't pull any punches on the good and bad. BOOM!

[RudolphDocCampos]

I have a large income where I am at the highest tax rate. The IRS wants 24% up front. Is there a way to minimize the impact? IOW, can I lock up an equal amount in a whole life policy until I can get most if not all the withholding, back?

[Kingtsunami]

So far of all the videos on this your numbers seem to actually add up more than everyone else's lol. So if I wanted to front load let's say 500k what would my possible base be and what would be my minimum premium to my max be without triggering a mec? I would prefer to stay at a 10-17 base if possible so I'd like to get an idea of my premium. Any info would help. Thanks.

[TomCjr]

I would guess this strategy is only applicable to someone who has significantly more than 50k annual income -- now-a-days it takes that much for a family just to live comfortably (with minimal "frills")

[billmonte]

Caleb - currently who are your favorite mutual whole life companies? Which companies still have an available term blend capability?

[johnodell]

How do I get a policy? I want to role over a 401k