How Long Does It Take to Build Cash Value with Infinite Banking? | Wealth Nation

With a policy designed for Infinite Banking, you can access cash value in the first year by adding a Paid-Up Additions Rider to your whole life insurance, distinguishing it from traditional policies and enhancing its banking capabilities.

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Disclaimer:
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Wealth Nation provides content for informational purposes only. While we aim to offer accurate and up-to-date information, always consult with qualified professionals before making any retirement, tax, or legal decisions.

The Infinite Banking Concept® is a trademark of Infinite Banking Concepts, LLC, with which Wealth Nation is not associated or endorsed.

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If you have a policy designed for Infinite Banking you can have cash value available in the very first year. In order to have cash value, you need to ensure a Paid-Up Additions Rider is added to your whole life insurance policy. This is one of the differences between traditional whole life insurance and a banking insurance policy.

[WealthNation]

✍🏾 Are you ready to Start a Policy? Complete our new client application.

[jodahamunra]

I'm enjoying what the two of you are doing for the community... I like the way you present the information. #Hotep

[WealthNation]

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[jimmyalcorn]

Using your example.

I understand that we have the following schedule to look forward to when we start:
*IF we make the commitment and stick to the schedule*
A) 1st Year: 60% availability
B) 2nd Year: 70% availability.
C) 3rd Year: 90% availability.
D) 4th Year and Beyond: 120% availability.

Using your 10K a Year commitment:

We would be committed to a $833.33 bill a month for 12 months to meet that 10k obligation.
Q1) When would we have availability, after we pass that 6K threshold? 7.2 months?
Q2) Can we add more that the $833.33 a month and accelerate the schedule and % values available or is it limited to the policy limit of 10K a Year?

I wish I knew this when I was 18.
I am thankful for your willingness to share the information.
Thank you.

[chrislundy]

Yr4 $12k cash value is way off!! 10/90 split.. 10% premium 90% cash value..

[mattblearnin]

Is traditional lending really so bad that it makes sense to do your own infinite banking? And aren’t the premium payments paying for cash value accumulation AND a death benefit? So if developing the ability to borrow against your policy is the main selling point, then isn’t the amount of the premium that is being directed towards paying for the death benefit a major drag on the ability to save up cash value?

Why not retain the liquidity immediately and invest a full dollar (rather than a fractional dollar given some goes to death benefit) in an investment vehicle that matches the appropriate time horizon? Then borrow someone else’s funds or even use a margin loan against your own brokerage account if you really want to be your own bank.

[mikemoore]

Thanks i really enjoyed you guys videos.

[lorryarrington]

Hello Carmen and Darius. I need advice on who to go with regarding infinite banking.

[zerjv]

This whole life sellers and IUL sellers don't even review policies to their clients because they know its a big ripped off they even show non guaranteed crap just to hook their clients off. and not only that the cost of insurance go so high that it will eat up your cash value until it turns into ZERO, but anyways clap clap with their big commissions.

[Prodigyautodetailing]

Witch one can we go with take out 100, 000 in 30 days with the million plane

[jasonjammin]

so by year 4 or 5 it almost like your getting free insurance while you keep taking out loans.I would think the good part comes with what you invest that money in.

[KyleC]

You'd be better off investing 10K a year in an ETF (If you want a death benefit get cheap term life and invest the remainder). By year 4 you'd have a lot more money than a cash value of $12K available to you.

[TheOpinionSports]

Why not use index universal life?? Cash value builds much faster because you can earn upwards of 15-25% interest returns

[Planetgreenzen]

Thanks guys, keep on rockin!!! Those subs keep coming :)

[rajbeekie]

I hear you. I still can't get over the 4-5% load fee.

[masterthemindsetmiggz]

Great video I been following you the past couple days and love the content you both put out. Question: I got a 10 pay policy from Statefarm should that be 60% CV the first year?

[emmabbyreborns]

I'm not clear. Year one, you put 10K premium. Is that per year? So by year four, you've put in $40K in premium, but only have 12K in cash value? Or is the cash value beyond the $$ you've put in up to that point? What am I missing?

[donyemonroe]

Who's your policy with mine didn't grow that fast

[derekhiggs]

The part I remain fuzzy on is whether you are required to wait until year-end first year before you can borrow against the policy? Is there generally a seasoning period?

[arberry]

So I think I have a simple question....How much will I need to pay in premium to be able to request a $10k loan within the next 2 to 3 months?