Podcasts about Universal Life

When we first started talking about estate planning with life insurance, it was because we saw a massive disconnect in how families were thinking about their wealth. Not just the numbers. But the purpose behind it. https://www.youtube.com/live/sqVXY199ygQ Bruce and I were in the middle of one of our deeper conversations—talking through how most people think life insurance is just a “check the box” kind of thing. They get the policy, set up a will or trust, and assume their family is covered. But what they haven't thought through is how that money will be used. What it's meant to fund. What kind of mindset or framework their children need to carry it forward well. Bruce said it best in the episode: “You've got a bunch of people out there who are trying to do the right thing—but they're buying the wrong tool for the job. Or they're leaving out the whole reason they got it in the first place: to provide for their family in a way that actually works.” And that's what this article is about. This isn't just about life insurance. It's about using the right kind of policy inside an estate plan that's built for generations, not just legal compliance. It's about creating a strategy that protects your wealth and prepares your children. It's about designing a legacy—on purpose. What Is Estate Planning with Life Insurance—and Why Does It Matter?Why Estate Planning with Life Insurance Creates Immediate LiquidityWhole Life Insurance vs. Universal Life: Why Guarantees MatterUsing Life Insurance to Offset Estate Taxes and Preserve WealthPassing on More Than Money: Embedding Stewardship Into the PlanDesigning Your Policy Without Triggering a MECWhen Estate Planning with Life Insurance Is Part of a Bigger VisionWhat the 2026 Estate Tax Sunset Means for Your FamilyWhat Is an ILIT—and Why You Might Need OneQuick-Start Checklist: How to Begin Estate Planning with Life InsuranceFinal Thoughts: Don't Let the Opportunity Slip AwayWant Help Designing Your Legacy Strategy?Book A Strategy Call What Is Estate Planning with Life Insurance—and Why Does It Matter? Estate planning with life insurance is one of the most overlooked but powerful ways to ensure your family is protected, your assets are preserved, and your values are carried forward with intention. It's not just about paying estate taxes or transferring wealth efficiently. Done right, it gives your heirs time, options, and guidance. It replaces financial panic with peace of mind. And it makes sure that what you've built doesn't just last—it multiplies. If you have real estate, a business, investments, or a vision for generational wealth, this is a conversation you cannot afford to postpone. Why Estate Planning with Life Insurance Creates Immediate Liquidity Here's what most people don't realize: When you pass away, even if your estate is “in order,” your heirs may be stuck needing to pay estate taxes within nine months. If your wealth is tied up in real estate, private equity, or business holdings, your family might be forced to sell those assets at a loss—just to pay the bill. That's where life insurance for estate taxes becomes mission-critical. With a guaranteed death benefit, whole life insurance creates instant liquidity—giving your family the cash they need to cover expenses, hold onto appreciated assets, and stay out of financial distress. In the episode, Bruce shared, “The beauty of this strategy is that it gives you certainty. And certainty is a gift—especially when the world is reeling from loss.” This is what makes estate planning with life insurance such a foundational part of a healthy, functional legacy plan. Whole Life Insurance vs. Universal Life: Why Guarantees Matter Not all life insurance is built to withstand the test of time. Bruce and I have reviewed countless policies that looked good on paper—but were designed with the wrong product. Universal Life policies may seem attractive because of ...

Send us a textThe full text of this podcast can be found in the transcript of this edition or at the following link:https://andrewjbrown.blogspot.com/2024/12/an-obvious-framework-of-ordinary.htmlPlease feel free to post any comments you have about this episode there.The Cambridge Unitarian Church's Sunday Service of Mindful Meditation can be found at this link:https://www.cambridgeunitarian.org/morning-service/ Music, "New Heaven", written by Andrew J. Brown and played by Chris Ingham (piano), Paul Higgs (trumpet), Russ Morgan (drums) and Andrew J. Brown (double bass) Thanks for listening. Just to note that the texts of all these podcasts are available on my blog. You'll also find there a brief biography, info about my career as a musician, & some photography. Feel free to drop by & say hello. Email: caute.brown[at]gmail.com

In this episode, we ask: What do you think of when you think of tried and true products? What if I told you of a product that failed 90% of the time? What about life insurance? Where is the scandal? Where is the front page news? Who is Elan Moas? What is Elan's experience? What...

This week hosts Anthony Faso and Cameron Christensen unravel the complexities of financial products to guide you toward building steadfast wealth. Anthony and Cameron take a deep dive into the world of Indexed Universal Life (IUL) insurance, often humorously dubbed the "redheaded stepchild" of insurance products. Drawing from the financial philosophies of Robert Kiyosaki and Nelson Nash, they dissect the intricacies of IUL, Universal Life, and Whole Life insurance, exposing risks, benefits, and the underlying market trends that shape these products. With casual banter and insightful analogies, they strive to help listeners make well-informed decisions about their financial futures. Don't miss this episode packed with invaluable insights and practical tips!   Resources: Join the Infinite Wealth Study Group: https://www.facebook.com/share/g/qC3sAWg6PhHYpRAs/  Schedule your 15-minute call with Anthony or Cameron here: http://bit.ly/iwc15podcast Check our online course at www.InfiniteWealthCourse.com Buy Becoming Your Own Banker by R. Nelson Nash http://bit.ly/BYOBbookIWC 

Melissa Grace Chianta is a Jungian Life Coach, dream interpreter, intuitive oracle card reader, and writer who has been involved in publishing and healing arts for more than 25 years.  Her expertise in dream work has evolved over more than two decades of her own Jungian analysis; and she also holds a certificate in nonclinical Jungian studies from the C.G. Jung Institute of Los Angeles.  She is also a Universal Life minister.  She curates the wonderful portal, https://www.thenightisjung.com/, which also celebrates her many offerings. Cara Roxanne is Devon UK based artist who uses dreams and inner landscapes to create a personal mythology from paint and music.  Her evocative work can be found at:  https://www.cararoxanne.com/ This podcast focuses on their newly released Dreaming Oracle deck which can be explored here:  https://www.thenightisjung.com/the-dreaming-oracle This podcast is available on your favorite podcast platform, or here:  https://endoftheroad.libsyn.com/episode-304-oracles-of-delphi-part-ii-melissa-grace-chianta-cara-roxannethe-dreaming-oraclethe-night-is-jung Have a blessed holiday weekend!

My guest in this episode is Chris Kirkpatrick. Chris is Founder/CEO of the award-winning LIFE180 Financial Group and other companies. A former Top 100 International Poker Player turned money strategist and entrepreneur, Kirkpatrick passionately shares no-risk, clear-risk, passive income, and executive financial techniques from top 5% earners with a worldwide audience. He is internationally followed as the “Safe-Bet Money Guy”: Avoid the Stock Market Casino & Gamble-Proof Your Life™ and creates content for multiple genres utilizing industry-agnostic growth strategies. Most recently, he has been sought out by corner-office executives and high performers to guide them into their ideal careers. Links: Life 180 Website: https://www.life180.com/ Subscribe To Our Weekly Newsletter: The Wealth Dojo: https://subscribe.wealthdojo.ai/ Download all the Niches Trilogy Books: The 21 Best Cashflow Niches Digital: ⁠⁠https://www.cashflowninjaprograms.com/the-21-best-cashflow-niches-book⁠⁠ Audio: ⁠https://podcasters.spotify.com/pod/show/21-best-cashflow-niches⁠ The 21 Most Unique Cashflow Niches Digital: ⁠⁠https://www.cashflowninjaprograms.com/the-21-most-unique-cashflow-niches⁠⁠ Audio: ⁠https://podcasters.spotify.com/pod/show/21-most-unique-niches⁠ The 21 Best Cash Growth Niches Digital: ⁠https://www.cashflowninjaprograms.com/the-21-best-cash-growth-niches⁠⁠ Audio: ⁠https://podcasters.spotify.com/pod/show/21-cash-growth-niches The 21 Next Level Cashflow Niches Digital: https://www.cashflowninjaprograms.com/the-21-next-level-cashflow-niches-book-free-download Audio: https://podcasters.spotify.com/pod/show/the-21-next-level-niches Listen To Cashflow Ninja Podcasts: Cashflow Ninja ⁠https://podcasters.spotify.com/pod/show/cashflowninja⁠ Cashflow Investing Secrets ⁠https://podcasters.spotify.com/pod/show/cashflowinvestingsecrets⁠ Cashflow Ninja Banking ⁠https://podcasters.spotify.com/pod/show/cashflow-ninja-banking⁠ Connect With Us: Website: http://cashflowninja.com Podcast: http://cashflowinvestingsecrets.com Podcast: http://cashflowninjabanking.com Substack: https://mclaubscher.substack.com/ Amazon Audible: https://a.co/d/1xfM1Vx Amazon Audible: https://a.co/d/aGzudX0 Facebook: https://www.facebook.com/cashflowninja/ Twitter: https://twitter.com/mclaubscher Instagram: https://www.instagram.com/thecashflowninja/ TikTok: https://www.tiktok.com/@cashflowninja Linkedin: https://www.linkedin.com/in/mclaubscher/ Gab: https://gab.com/cashflowninja Youtube: http://www.youtube.com/c/Cashflowninja Rumble: https://rumble.com/c/c-329875

Today we are having a passionate conversation about the pitfalls of Universal Life and why Whole Life is the ONLY choice if you want a policy structured for infinite banking. Audio Production by Podsworth Media - https://podsworth.com 

Retired in 2016 after five terms as Colorado's only Green Party county commissioner, Art Goodtimes has worked as a newspaper editor and he had a 40+ year run writing weekly and monthly op-ed columns for print and online publications including the Telluride Times, the San Miguel Journal, the Telluride Times-Journal, the Watch, the Daily Planet, the MontroseMirror.com, and Colorado Poets Center.Art studied to be a Roman Catholic priest for seven years, and has continued to marry people as a Universal Life minister. Director of the Institute's Telluride Mushroom Festival for its first 25 years, he remains as Cultural Director and Poet-in-Residence.His poetry books include As If the World Really Mattered (La Alameda Press, Albuquerque, 2007) and Looking South to Lone Cone (Western Eye Press, Sedona, 2013). He was co-editor of the anthology MycoEpithalamia: Mushroom Wedding Poems (Fungi Press, CA, 2016). Turn Star Press of Telluride brought out a limited edition chapbook in 2019 that he co-authored called Telluride Valley Floor. Art's latest book is Dancing on Edge: The McRedeye Poems (Lithic Press, Fruita, CO, 2019).This is a free-access, no-paywall episode. Please consider supporting the podcast by subscribing for free or if you're feeling it, as a paying supporter. Either way, thanks! This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit chrisryan.substack.com/subscribe

Often when Reiki teachers use the term "universal life force" it may give the impression of a higher power or god or source in some religious context. Reiki is not religious, nor does it need any religious belief to practice. It is more like the flow of energy you receive from walking in the forest or by the seaside. htpps://www.reiki-centre.com

In today's episode, Wade continues his discussion on key takeaways from the Nelson Nash Institute's annual Think Tank. He shares a compelling client story about understanding the importance of choosing the right product for Infinite Banking, the differences between Whole Life and Universal Life policies, and why Whole Life is the cornerstone for those practicing Infinite Banking. Join Wade as he dives into these crucial insights to help you take control of your financial future. Episode Highlights 01:02 - Story of client inquiry into IBC. 01:43 - Product vs. human problem in financial decisions. 02:11 - Whole life vs. universal life insurance explained. 05:15 - Risks of universal life insurance. 08:40 - Personal experience with insurance mismanagement. 10:30 - Consequences of interest rate assumptions failing. 12:11 - The importance of long-term financial strategies. 15:38 - Potential risks in policy lapses. 17:04 - Need for practical guarantees in financial products.   Episode Resources Connect with Wade Borth https://www.sagewealthstrategy.com/ wade@sagewealthstrategy.com 

Welcome to this solstice when the sun appears to standstill allowing us to fully engage with our Universal destiny. This intention is enhanced by the full moon in Capricorn on June 21st/22nd squaring Neptune that challenges us to bring Heaven onto Earth. We're encouraged to fully express Universal dreams in the fullness of life, moving beyond personal excuses & concerns. Then through engagement with our creations, we radiate the light of consciousness & become whole; one with the Universe.

The regulators don't force insurance companies to provide in-force illustrations to their Universal Life policy holders and it allows them to deceive consumers who aren't prepared to do the math required to know the truth. Insurance companies make Bernie Madoff look like a petty thief. Don't fall for it! But before we get into it… […] The post Get an in-force illustration whenever you buy a Universal Life insurance policy! appeared first on Sara Grillo.

Let's bust some myths and let the record be set straight. The five myths we talk about in this episode are: 1. You borrow your money, 2. Premium is post-tax, 3. You collect the interest on loans, 4. You can use Universal Life products for IBC, and 5. You don't have to repay loans. Audio Production by Podsworth Media - https://podsworth.com 

Universal Life insurance is quite possibly the most misunderstood and misrepresented product on the market. They're tough to understand and can be even more challenging to explain to a prospect. This podcast will help you understand the difference in (hopefully) easy-to-understand terms. That said, please don't start presenting these if you're a new agent. Focus instead on simple products that you can understand and explain. If you do sell these, please make sure you're doing it right so there are no surprises. Bottom line, we're here to do right by our clients! YouTube version: https://youtu.be/vpqst5A-ZZo Have an idea or topic suggestion? To protect your family, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠contact us⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To change your life, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠join our team⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Death Benes, Cash Value, Premiums... Confused? Unpack Whole & Universal Life with Life Covered! Find your financial fortress for loved ones. Free Consult: 801-404-3389!

Do you sometimes feel like you have to do it all yourself? Like you're struggling to keep up with everything that needs to be done, but you're not quite making it. Sometimes it can really feel like you're slogging uphill—but does it actually need to be that hard? In this episode, we discuss universal life force. An unseen, infinite, massively powerful, and nurturing force that can help us feel energized and supported. We delve into what it is, and most importantly how to access it. The GFC (Group Frequency Calibration®) meditation associated with this episode will help you to begin to release the distortions that keep you from accessing it. If you would like an opportunity to ask me questions in real-time, join me when I go live on YouTube. Subscribe to the Spherical Luminosity YouTube channel and click the reminder bell to be notified when I am live: bit.ly/SL-YTSubscribe For the latest news about upcoming events and to be notified when sessions with me are released, subscribe to our newsletter: bit.ly/SphericalLuminositynewsletter

What Is Energy Healing? Energy healing is a complementary therapeutic approach that has roots in ancient and traditional medicine. Scientific research is currently ongoing to determine how useful these therapies are, but evidence suggests that certain forms of energy healing and practices (reiki and dowsing energy healing) may reduce and help with pain, depression, anxiety, and support overall well-being. Energy healing is a complementary approach based on that our bodies have energy flowing through them, and that healing can come from helping to balance this flow.  It is about restoring energy balance, which in turn brings about purported health benefits. Energy healing can be done at a distance, via remotely or in-person. Energy healing encompasses a variety of techniques believed to clear blockages in the energy field that contribute to imbalance in a person's life. Energy healing works on the principle that our physical body and life experiences are informed by the energies that exist in our energy field, and any imbalances or blocks in our energy field can contribute to emotional challenges, physical pain or illness, limiting life patterns, and other unwanted conditions in a person's life. There are many modalities, I do Reiki energy healing and Dowsing Energy Healing. Each is about becoming a clear channel to anchor universal life force energy. You don't use your own energy. It is about being able to be a clear channel and being able to hold space to anchor Universal Life force energy. Reiki & Dowsing both respect free will. So you call to you what you want for your highest good. One of the goals for energy sessions to improve the flow and balance of energy to promote relaxation and healing.  #energyhealing #healing #energy #meditation #reiki #dowsingenergyhealing #love #spirituality#spiritualawakening #chakras #selflove #lightworker #spiritual #reikihealing #selfcare #yoga #mindfulness #chakrahealing #energyhealer #positivevibes #energywork #awakening #lawofattraction #wellness #energyiseverything #chakra #goodvibes #selfhealer #inspiringyou #selfheal #inspiring

In this episode of the Infinite Wealth podcast, hosts Cameron Christensen and Anthony Fasso dive into their favorite pages from Nelson Nash's book, Becoming Your Own Banker. They discuss the impact of these pages on their own understanding of Infinite Banking and share the valuable insights they gained from them. From understanding the difference between using a CD as collateral versus an IBC design policy to the history and pitfalls of Universal Life policies, Cameron and Anthony break down the key concepts presented by Nash. They also emphasize the importance of community, mentorship, and self-comparison in financial success. Join them as they provide a fresh perspective on Nelson Nash's book and the lessons it offers for building wealth and creating passive income.   Resources: Schedule your 15-minute call with Anthony or Cameron here: http://bit.ly/iwc15podcast Check our online course at www.InfiniteWealthCourse.com Buy Becoming Your Own Banker by R. Nelson Nash http://bit.ly/BYOBbookIWC 

Delta pilots now have a new contractual life insurance option, which can save them tax dollars now and opens a wide variety of investment options while offering benefits to pass along to families and beneficiaries. In a conversation with Jonathan Roman, MetLife's GVUL administrator, the Engage team, along with Retirement & Insurance Committee members Scott Bowles and John Doherty, sift through the details of the GVUL compared to our current term policy provided by Delta. Highlights include an updated death benefit provided to Delta pilots and paid for by the Company, significantly reduced imputed income for pilots of all ages, tax-free and tax-deferred investment options which pilots can withdraw for any reason at any time, and the ability to take the GVUL policy with you in retirement.   Pilot action is required!  The GVUL will be offered during Delta's open enrollment period, November 1-17, 2023. Pilots must first select the GVUL option during the open enrollment period and then enroll with MetLife through an emailed link. Pilots who wish to remain on the current term policy need not take any action. Active pilots may opt-in and enroll during subsequent year open enrollment periods. That is, if you miss the two-step process deadline this year or decide to wait, you can enroll next year and in the future during the open enrollment period.  For more information, please go to https://www.metlife.com/gvul/DeltaAirLines/  Jonathan Roman will also present the GVUL benefits during WebEx sessions on the dates below. Click here to attend remotely.    Date  10/26/2023 - 10:00 am ET  10/30/2023 - 7:00 pm ET  11/7/2023 - 9:00 am ET  11/16/2023 - 2:00 pm ET  12/5/2023 - 10:00 am ET  12/7/2023 - 2:00 pm ET 

So happy that you're here today! In this episode of Mindset Mic, I will share: - the universal life ingredient that will help you in every aspect of life- how to implement it in your your life Reminder, during Oct 1-31, 2023 we have a special discount to celebrate my 30th bday and 11th anniversary in personal development. Use code BDAY30 to receive 30% off both of my personal development courses! >> www.theclaudiaramirez.com/courses

Ethos representative Brett stops by to give some big product news. Darren White stops by to announce his big accomplishment as well.

Index Universal Life is an amazing product that has helped people grow and keep their money. See how it works and what you need to sell it. Hosted by John, Albert & Joan.

Ever wondered why certain companies champion whole life insurance while others lean heavily towards universal life? Dive into this enlightening episode of the Insurance Pro Blog Podcast as we unravel the mysteries behind these two popular life insurance products. You'll discover the unique benefits and drawbacks of each, the historical context that shaped their evolution, and the strategic reasons companies might choose one over the other. By the end, you'll have a clearer understanding of which policy might be right for you and why companies are so passionate about their preferred choice.  _______________________ As you'll often hear us say, we're agnostic to the solution: whole life insurance is great and so is indexed universal life insurance. We offer our clients either of the two and let them decide what they think is best for their situation. Sometimes one is the clear winner; other times there's a bit more nuance. Either way, we're here to help you make the best decision. Please reach out to us by using our contact form, just click right here. 

What is the premise of the Morphic Resonance Theory? The lower laws of nature are more like habits. Meaning, each species has a type of collective memory, the collective unconscious so to speak, not just a memory of behavior like instinct, but also a form. For example, when a cabbage grows, it's tapping into a collective cabbage memory, a memory of form. This understanding in general isn't a new concept. However, what Dr. Sheldrake's theory also suggests is there's a resonance between similar self-organizing systems across space and time.  Morphic resonance is a holistic theory. It works through morphic fields rather than in granulated atomistic bits—in other words, in-form-motion rather than simply information, which extends from a memory source that exists in a morphic field, a form of energy, outside the brain. “Memory is a phenomenon in time, not in space, and I think that the whole of the past is potentially present everywhere and that we access it through resonance on the basis of similarity.” According to French philosopher Henri Bergson, memories are not stored in brains and involve a direct transfer across time.  Morphogenetic fields reverberate and exchange information within a universal life force. Do you ever feel someone staring at you only to turn around to find there is? How do your pets know you're on your way home? A mother's intuition is another example of the energetic exchange of information. What patterns and information are you sending?

We're answering these questions from you, the listener, in this episode: What are some pros and cons of Indexed Universal Life Insurance? How do I know if I've saved enough if I'm nearing retirement and don't want to change my lifestyle? What's your opinion on annuities and how do they fit into a retirement plan? Is it wise for me and my husband to build our dream home? And if you would like YOUR questions answered on the show, give us a call at 501.381.5228! Originally aired 7/5/2023

Welcome to the Real Estate Ballers Show.

In this 2-minute episode, Brian discusses gifting using an FIUL. 

In this episode, you will see evidence and real policies demonstrating why universal, variable universal, and indexed universal life policies are not a good options for the long term. IBC uses whole life and only whole life for a reason. Audio Production by Podsworth Media - https://podsworth.com 

In this episode, you will see evidence and real policies demonstrating why universal, variable universal, and indexed universal life policies are not a good options for the long term. IBC uses whole life and only whole life for a reason. Audio Production by Podsworth Media - https://podsworth.com 

Michael Shepherd shares his experience of auditioning for and getting into Alvin Alley School on scholarship before his professional time as a dancer in Sun City South Africa and then Hello Hollywood Hello at the MGM in Reno Nevada. He reminds us that life is not a dress rehearsal. This is the show. NEW WEBSITE www.bluebellsforeverpodcast.com Check out the Patreon www.patreon.com/bluebellsforeverpod Follow us on Instagram and Facebook to see photos and updates www.instagram.com/bluebells_forever/ www.facebook.com/Bluebells-Forever-100660515010096

Are you looking for a long-term solution to secure your financial future? Permanent life insurance could be the answer.In this comprehensive guide, I am joined by Guillermo Haro to explain the basics of permanent life insurance and its benefits. We dive into the differences between term and permanent life insurance and explore the four main types of permanent life insurance: whole life, universal life, index universal life, and variable universal life.We discuss the pros and cons of each type and give you the information you need to make an informed decision. Additionally, we cover how to access your money early, which is a unique feature of permanent life insurance.If you want to start building your wealth and protecting your loved ones, listen to this full episode!

Rarely, if ever, do we get to hear from someone internal to a life insurance company. Clay shares some great insights on why a company may not like a 10/90 policy and how that can affect the company. He also talks about Universal Life policies and how they are different from whole life. Audio Production by Podsworth Media - https://podsworth.com 

If you're like me, Universal Life is an enigma wrapped up in a conundrum. I spent a year or so before I was brave enough to write my first UL policy. I was intimidated by them. Term and Whole seemed fairly simple to understand, but UL? It scared me. Admittedly, Universal Life policies are more complicated and can be confusing to understand, let alone to explain to a client. Hopefully, this helps. I'm not suggesting you go out and start writing a bunch of UL policies this week, but at least it's good to understand how they work so you can speak to them if a client should ask. Hopefully, this podcast will give you a better understanding of one of the more confusing products we write. If you like this, you may enjoy my book. To protect your family, contact us. To change your life, join our team.

Rarely, if ever, do we get to hear from someone internal to a life insurance company. Clay shares some great insights on why a company may not like a 10/90 policy and how that can affect the company. He also talks about Universal Life policies and how they are different from whole life. Audio Production by Podsworth Media - https://podsworth.com

In this episode, I discussed the real reasons why universal life insurance policies cannot be used to practice infinite banking and why participating in whole life insurance must be used to become your banker.  ~ Access our FREE Infinite Banking Beginner course here: https://livingwealth.com/beatinflation ~ Get resources and transcripts from this episode by visiting: https://livingwealth.com/e168 Topics discussed in this episode: The detailed flaws of the policies What is Nelson Nash's idea of becoming your own banker Why banking is inescapable and a fundamental fact of life The impact that last year had on IUL owners and how it came as a shock to a lot of them Why you can't practice IBC with Insurance Universal Life Episode Resources: Gain access to our Beginner's Course now FREE to listeners of the podcast here now https://livingwealth.com/beatinflation/ What is Infinite Banking? We make it simple in this article https://livingwealth.com/infinite-banking/. Who was Nelson Nash? Find out in this article https://livingwealth.com/who-is-nelson-nash/

ประกันชีวิตแบบควบการลงทุนทั้ง Unit Linked และ Universal Life เหมือน หรือแตกต่างกับประกันชีวิตที่เรารู้จักแบบทั่ว ๆ ไปอย่างไร   มีข้อดีและข้อจำกัดตรงไหนที่ควรรู้ และต้องเข้าใจก่อนตัดสินใจซื้อบ้าง แล้วถ้าจะตัดสินใจทำประกันชีวิตสักตัว "ประกันชีวิตแบบควบการลงทุน" เป็นทางออกที่คุ้มค่าหรือไม่   วันนี้พี่ทุยพาทุกคนไปตอบข้อสงสัยกันใน EP. นี้เลยครับ!   -----------------------------   สำหรับใครที่สนใจ "ประกันชีวิตควบการลงทุน" ที่น่าสนใจ สามารถติดต่อ ธนาคาร ซีไอเอ็มบี ไทย โทร. 02-626-7777   ติดตามข้อมูลข่าวสารการเงินและการลงทุนได้ที่ Facebook Wealth Advisory By CIMB Thai Bank https://www.facebook.com/WealthAdvisorybyCIMBTHAI/   และช่องทางใหม่สามารถแอดไลน์เพื่อรับข่าวสารได้เลย https://lin.ee/Jjs5uLe   #CIMBTHAIBank #ธนาคารซีไอเอ็มบีไทย #ForwardYourWealth #Advertorial #MoneyBuffalo #Podcast

When it comes to your money, you need to make sure you're making the right decisions and getting the right information. This week, the guys take a look at IBC practitioners behaving badly. From leading with an illustration to remixing Nelson's concept, Dave and Paul take you through an exhaustive list of red flags in this episode. With this list, you'll be able to sort through the pretenders next time you're shopping for IBC advice. Tune in to make sure that you're getting the best information possible - and that you're practicing IBC the right way. Episode Outline: (0:35) - Episode beginning (1:48) - Listener question, “Why isn't everyone doing this?” (2:55) - The reason you don't hear about IBC a lot, it's “caught not taught” (7:27) - IBC “red flags” (8:49) - First red flag: Leading with an illustration (10:51) - Second red flag: “You can become rich buying cars” (12:03) - Third red flag: If they tell you that IBC is being done wrong, or is “archaic”  (16:14) - Fourth red flag: “You have to use one of the big 4” (18:30) - Fifth red flag: “Guaranteed 4% interest” (22:17) - Sixth red flag: “The only way to design a policy for infinite banking is 10% to the base or less and 90% to the PUA” (24:43) - Things to ask an advisor (27:41) - Ask your advisor how many dividend-paying whole life insurance policies they own themselves, practicing what you preach (29:20) - It's important to have a personal touch with IBC MENTIONED IN THE EPISODE: To learn more about 10/90 designs and why it's not a good fit for IBC: https://www.youtube.com/watch?v=ZIgHjE4qcGk (https://www.youtube.com/watch?v=ZIgHjE4qcGk) IUL or Universal Life episode: https://www.youtube.com/watch?v=D7GHRfLcVYQ&t=2s (https://www.youtube.com/watch?v=D7GHRfLcVYQ&t=2s) ABOUT YOUR HOSTS: David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.   David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.   Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.   As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.   Catch up with David and Paul, visit the links below!   Website:    https://infinitebanking.org/agents/Fugere494 (https://infinitebanking.org/agents/Fugere494)   https://infinitebanking.org/agents/Befort399 (https://infinitebanking.org/agents/Befort399)   LinkedIn:   https://www.linkedin.com/in/david-a-befort-jr-09663972/ (https://www.linkedin.com/in/david-a-befort-jr-09663972/) https://www.linkedin.com/in/david-a-befort-jr-09663972/ ( ) https://www.linkedin.com/in/david-a-befort-jr-09663972/ (https://www.linkedin.com/in/paul-fugere-762021b0/)   Email:   davidandpaul@theibcguys.com

Senior Market Health Agent Natalie Cooper Sells with Levinson Life & Annuity Products By Leveraging Ringy CRM And Our Lead Platforms etc.  Host: Bill Levinson from Levinson & Associates - Levinson & Associates, Inc. is a National Insurance Marketing Company domiciled in Florida since 1972. As such, we specialize in the servicing of our field force, and the distribution of the most competitive products for Term Life, Universal Life, Whole Life, simplified issue, Annuities, and Survivorship products. We are a full-service marketing company equipped to help during the entire underwriting process. From our most inexpensive term, jumbo permanent products, or annuities; our administrative staff, with over 100 years of combined insurance experience, stands ready and very able to help with all your insurance needs. In 1998, Bill Levinson brought his marketing and management expertise to the life insurance industry. He is today a very successful Managing Partner for Levinson & Associates. Bill continues to service over 22,000 new and existing agents, each representing our entire portfolio of 90 life carriers and over 30 annuity companies nationwide. He brings a youthful exuberance and enthusiasm, and servicing our agents remains his number one priority. Levinson is a world-renown innovator in our industry, creating the 1st ever client-driven online term platform, life agent-focused CRM tool, and the cutting-edge Agency Automator prospecting system, amongst other unique technological advances and innovations. He currently participates in various company advisory boards and is a current member of NAILBA's ASNG group.  We, at Levinson & Associates, want to sincerely thank our Agents for allowing us the opportunity to quote and service all of your Life/Annuity & Insurance needs! Guest Speaker: Natalie Cooper (Levinson Agent) - I come from a long line of insurance agents including my father, his brother, and many of their 1st cousins. I grew up learning from Clement Stone, the founder of Combined Insurance Company of America who my dad and the rest of our insurance family worked for. W. Clement Stone is now a highly recognized motivational inspiration for many in the insurance industry. I recall being gathered around the dinner table and the whole family reciting his famous words—“I feel happy! I feel healthy! I feel terrific!” and always having “PMA”—Positive Mental Attitude. Actually, it was, and still is my father who is my role model. After recently celebrating his 80th birthday and reflecting on all I have learned from him, I can honestly say that it was my parents who gave me my core sense of integrity and ethics that still guide me through life and my career. I grew up in Columbus Ohio and graduated with a BS in accounting with a double major in finance from Franklin University in 1990. A few years later in 1995, after moving to South Florida, I became a licensed insurance agent. The original intent was to work with my father in the tax-deferred annuity and life insurance business and move back to Ohio. Shortly after I became licensed, I realized my home at that time, would remain in south Florida. I began my career working with retiree groups including the City of New York, their unions, and other large employers like Sears and AT&T who offered retiree benefits. This was when I was first introduced to the senior market. I found real satisfaction in dealing with seniors and knowing that I may have been one of the few agents they worked with that put their best interest first. The laws pertaining to marketing to seniors were nearly non-existent and at that time and so many of my clients had been lied to, sold something they didn't need, or strong-armed into a policy they could not afford. The feeling of truly helping a person get what they needed, putting some money back into their pocket, and working with someone they felt they could trust was a great feeling. After spending about 7 years working exclusively with seniors and specializing in Long Term Care, Annuities, Medicare, and Final Expense, I branched out to two other areas to accommodate my client's children that were asking me to help. Their kids were a natural progression and I began my entree into Term Life and Disability insurance. The insurance business has been such a rewarding experience for me. I know that I have truly changed people's lives. This is where I'll be for the remainder of my working years and I'll hopefully pass the baton to another person who can enjoy what they do as much as I have.

Calvin Royster, Jr. returns to the Malik's First Job Podcast to discuss strategies on leveraging life insurance to build wealth. He is the owner of Anew Financial, a full-service insurance brokerage with a focus on serving the Black millennial community. He has been in the insurance industry for over 8 years and has helped thousands of people with their insurance planning over that time. He understands the unique relationship and experience the Black community has with insurance and provides options with those things in mind. His passion is to improve black wealth! Promoting Black businesses, coaching entrepreneurs, and educating on sound insurance principles are a part of his contribution to help bring balance to the racial wealth gap. Connect with Calvin Royster, JrWebsite:             www.TheAnewFinancial.comFacebook:          https://www.facebook.com/insurancebaeInstagram:         https://www.instagram.com/_insurancebaeSign up for the Real Estate Wholesaling Mastermind Course with Chris Jefferson: https://www.startflippingdeals.com/webreg?via=kerwynStart your own podcast with Buzzsprout https://www.buzzsprout.com/?referrer_id=1847701 Purchase Malik's First Job: Financial Principles for Teens:www.maliksfirstjob.com Follow Malik's First Job on Social Media Facebook:          https://www.facebook.com/maliksfirstjobInstagram:          https://www.instagram.com/maliksfirstjobTwitter:               https://www.twitter.com/maliksfirstjob

Join David Befort and Paul Fugere on Episode 29 of the Wealth Warehouse! In this week's episode, the guys respond to a listener's question about universal life insurance vs. whole life insurance for IBC. Does IBC need to use whole life insurance? Is it the best fit for IBC? Paul and Dave cover the pros and cons of universal vs. whole life, how it matches up with your goals and most importantly, how appropriate each is for the Infinite Banking Concept. Episode Outline: (2:05) - Open of the show, starting with a listener question (5:25) - “It comes down to the way you think” (10:08) - “It's not about the return ON your money, it's about the return OF your money” (12:46) - The “chassis” of universal life, the risks involved and what takes people by surprise (19:15) - “Why would I get universal life as opposed to simply investing in an index fund?” (23:02) - Why you shouldn't combine investing and insurance  (25:50) - IBC isn't about the return on your money, it's about guarantees (32:12) - IBC isn't a “this or that” strategy, getting past the investment paradigm ABOUT YOUR HOSTS: David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.   David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.   Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.   As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.   Catch up with David and Paul, visit the links below!   Website:    https://infinitebanking.org/agents/Fugere494   https://infinitebanking.org/agents/Befort399   LinkedIn:   https://www.linkedin.com/in/david-a-befort-jr-09663972/   https://www.linkedin.com/in/paul-fugere-762021b0/   Email:   davidandpaul@theibcguys.com

The Memphis chapter of the NAACP is one of the national organization's oldest and most important. The chapter has been in several locations since its founding more than 100 years ago but has remained rooted in the neighborhood now known as South City, which is home to many important local sites in local Black history, including Clayborn Temple and the Universal Life building. For the past 40 years or so, the NAACP has been located at 588 Vance Avenue, in a building that has its own history, including housing an early Black-owned bank branch as well as Benjamin Hook's law offices. The NAACP building recently had a significant facelift and also is undergoing inside renovations to allow it to better serve its members, as well as provide office space for small businesses and nonprofits. In this program, longtime NAACP leaders Deidre Malone and Felica Harris discuss the chapter's illustrious history and the importance of the 588 Vance building and the surrounding neighborhood to Memphis Black history and culture. Later in the program, regular commentator Cole Bradley returns to talk with Emily about the connection between physical spaces and the history and stories we remember. Additional information NAACP Memphis Memphis Heritage Trail Walking Tours and Maps of Important Historic Sites

In today's Banking With Life Q&A, James answers some questions on what's the best kind of policy for IBC®, does it make sense to leverage a HELOC to finance a life insurance policy, agents to work with and where to find them, using IBC® for business expenses, and more! As always, we hope you enjoy and thank you for listening!Today's Questions: 0:22 - The best kind of policy for IBC®? 2:16 - Leveraging a HELOC to buy a policy? 7:42 - Incontestability Clause in a Life Insurance Policy? 10:52 - Who to work with? 14:10 - Videos available for purchase? 15:34 - Using IBC® to fund a business? 19:11 - Universal Life and IBC®?The Q&A series is designed to help you become more knowledgeable in the Infinite Banking Concept®.Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client! ➫ www.bankingwithlife.com/how-t...Buy Nelson Nash's 6.5 hour Seminar on DVD here: ➫ www.bankingwithlife.com/produ... (Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking... ➫ bankingwithlife.com/getting-s...━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here: ➫ www.bankingwithlife.com/exclu...━━━Learn more about James Neathery here: ➫ bankingwithlife.com━━━Follow us on Facebook: ➳ www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

On this episode of The Alliance U PRODcast, Gina Hawks dishes everything you want to know about Universal Life policies and how they work. Want to know how UL products differ from Index Universal Life products? Gina has you covered on all fronts!  www.AndyAlbright.com @AndySAlbright https://arc.naaleads.com/ @NAALeadsTheWay @NationalAgentsAlliance #N247RU #DoTheDo #TheAlliance

Too many thoughts while meditating? Yep. Me, too. Here's the best life-hack to getting back in the meditation zone! My dear friend, Pierre Bensusan, has permitted me to use his track called ‘Sentimentales Pyromaniaques' from the album 'Altiplanos'. “Deep Into Nature” composed by Music Of Wisdom - Licensed from Meditation Music Library

In this episode, paguusapan natin kung ano ang kaibahan ng VUL insurance na malimit na ino-offer ng mga insurance agents versus term insurance. Sir Vince also tackles also the advantages of term insurance and on why it already covers what we need without breaking our budget. Join the USAPANG PERA GROUP

In this episode, we take a look at the seven pillars to grow your wealth. Grant Everybody, welcome to another episode of Financial investing radio. My name is Grant Larsen. And today I have in the house, one of those unique people that understands some of the fascinating ways to build and protect your wealth. I'm excited to have with me here today, Seth Hicks. Welcome, Seth. Seth Thank you so much Grant, glad to be here. Grant So when you reached out to me, and you started to say, hey, could we talk I started to look into what it was you're doing. I mean, I'm hearing words like private banking and asset protection expert, you hear some of that stuff? And you think, Oh, wow, do I have to have an advanced degree, right in financial management to understand this stuff. But what occurred to me is that I've seen some of these principles before, they don't seem to be well known by most. And so what I'm excited about is the opportunity through this channel here for you to continue to get your voice out there and say, here's a way that you can build and protect yourself. So first of all, how did you get into this? Seth Well, I practice law for about 25 years now, and have structured transactions, commercial real estate transactions, business, acquisitions, and sales. And kind of help people keep what they make, so to speak. And when I met my now partner, Vance Lowe, the principle of private banking strategies, it floored me to find how easy it was to make a few changes, and effectively do 100%. better job. And so what I mean by that is private banking strategies, we use whole life insurance policies that are structured in a way to have a high cash value, and in the appropriate structure and appropriate jurisdiction. They're statutorily exempted and protect it, much like a homestead in certain states and many of the same state. So, for example, in the southern states, you've got a post Civil War air legislation where... Grant It goes that far back post Civil War? All right, absolutely. Seth Yeah. So private banking goes back as far as Civil War era. And even before that precedes branch banking, it precedes the the type of current culture banking that we have. And the post Civil War era statutes protected their their citizens, the state citizens from Northern carpetbagging. So for example, yeah, for so for, like example, in Texas, and Oklahoma and Florida. And a lot of those states, south of the Mason Dixon Line, you have laws that protect homesteads. So in the event that there's a liability, and someone has a homestead that they've declared, it is 100% protected from being taken from them. And that was a product of the Civil War. Grant So let me ask you this, when you talk about how you know protection from having it taken, I'm assuming you're talking about scenarios like maybe bankruptcy scenario, or something else where you owe other people but you've got this protective layer that no one could actually come in and take that foundation from you. Is that right? Seth That's right. A lot of our clients, you know, higher net worth, some of some are ultra high net worth, and many are blue collar, but they have created strategies to keep what they make. I mean, no one wants to effectively work hard to earn money and then and then lose it. So those type of folks who gravitate towards structures where they're able to keep what they make, so for example, if you've got a homestead You're in Texas or in Florida, and you want to use it as a vault, and you don't have any debt on it and you're able to pay the property taxes, year after year, then it is 100% exempted from creditors or from outside taking. Grant So that's an important baseline is that it does need to be debt free, you have to have no mortgage on that or any liens against that. That'd be right. Seth Sure, yeah, you've got to if you've got a, you know, a loan with a traditional bank, they have a right to the mortgage payments or, and so they will effectively if not paid, foreclose on that, and those rights are obviously superior. But if you're if you're in a position where you're able to, for example, use your own private bank, through the cash value in your own policies, and purchase and acquire your home, or other assets through that entity, you would do the same structure, you mean, obviously, your bank and part of the cycle is getting the money back. And that's something that the Vance prides himself on his teaching people how to get the money back, you've probably heard some of that, and your private banking, that's one of the reasons that people do it, they effectively take the banking equation back into their own law into their own become the bank. Grant So as the flow is something like this, you get one of these Whole Life policies, it takes some time for you to build up some cash value, but then that cash value becomes something you can leverage and use for either purchasing other assets or leveraging it and other investments, so to speak. And that has some protection wrapped around it, is that what you're describing? Seth That's exactly what I'm describing. And like I said, a lot of our clients are higher net worth or even ultra high net worth. And when they capitalize their bank, they are, they're able to do a lot more with it right out of the gate. But for the blue collar guy, you're right, it's a, it's a steady increase that you use. A lot of folks use this as a retirement strategy, because the ins and outs are not a taxable event. And if any of the audience wants to dig on that it's internal revenue code 7702. And what that basically outlines is that your whole life policies, your your cash in and your cash out, are not taxable events. So compare that with like an IRA or a 401 K, that someone's been socking money into. When you take those distributions. Well, if you take them too soon, you're penalized you penalized if you take them too late, you're penalized. Yeah, and it would take them right in that the right time. You're still paying taxes, I'm still paying taxes on it.  Grant So every single cash transaction on the cash value, no tax, no taxation on that, right. That's, that's amazing. How blue collar person or someone that's not old truck, how do they get started then Is it is it I hate to say as simple as but Is it as simple as getting started with your whole life policy earlier in your life than later? So you can begin building out that cash value is is that the number one thing are what else would you do? Seth You know, I wouldn't say age is the number one determined to factor. In fact, we've got an article and a podcast that we've produced that says, you know, you're never too old to start private banking. And here's why. And we go through the outlines the benefits and values, which include asset protection, tax free growth, financial privacy, no taxation on the legacy value. So if you're leaving high value to heirs and benefits, beneficiaries, don't pay any taxes on that transaction, even if it's ultra high. So there's some value there, depending on what your primary motivations and focus are. And the age of course, if you start earlier, you're going to accrue a much greater and higher value as you you know, as you go year after year, but let me give you an example. We've got one of our favorite clients is as a woman in Texas, who was a single mom, and she started out with a $5,000 annual whole life policy and she made she made that contribution for a few years and and then use that cash value to as a downpayment into an investment property. Oh really? So she purchased this investment property as and then she also had third party financing of course, she began to develop cash flow from that and she paid her bank, her private bank back and as that cash value increased in a crate increased, she did The exact same thing, she rinsed and repeated the process with the second investment property. And now she has a million dollar equity portfolio in real estate from where she started at $5,000 leverage. Now, we've been, you know, she's had the benefit of an appreciating real estate market, she's had good investments, but it illustrates the principle that you can actually start in that small of an amount and and multiply that seed into something that really brings a large harvest. Grant That's fascinating. One of the things I noticed from you was, I think you call it the Seven Pillars of private banking strategies. Can you speak to that for a moment? What are those? Seth Sure, the first, the first pillar we've been talking about is asset protection. And the second pillar is tax free growth, which is we also referenced that compare that to a 401 K, or an IRA, you may have tax free growth inside, but you're going to pay taxes when it comes out. And we've got some illustrations that kind of compare those two things and show you you know, which comes out ahead, and it may look like a contributions from an employer and other matching proceeds will come out ahead. But in overtime, they really don't. So you've with inside the policy, you've got compounding growth, and you've got a tax free growth. And you've got a financial privacy. third pillar is financial privacy. Whereas compare that to a bank, for example, who has to KYC know their customer, know your customer, they want to understand, you know, every aspect of money in and money out, you going to try to take out or put in a large cash, for example, a 510 $1,000 Cash, I'm into your Wells Fargo or Bank of America account. And they want to, you know, cross examine you on 50 questions about why you're using cash, where, you know, that doesn't happen in a private contract with the life insurance companies, we use it, it's totally private, and they don't raise their hand and go, Hey, there's a large transaction in or out, and they're not required to by the IRS Code 7702 Grant And it's just not part of their business model, right? Seth It's not part of their business model. No. And so it's interesting to point out this is kind of a little sidebar, but the largest players are the largest clients of the life insurance companies, or the centralized banks, like Wells Fargo and Bank of America. I think the last time I looked at Wells Fargo has a 20 plus billion dollar annual premium for life insurance policies that they hold on employees and, and others. So if, you know, gives you some insight. Grant That's huge. Okay, so right, so asset protection, tax free growth. Seth Tax free growth, financial privacy, privacy, the big one is velocity of money. And once philosophy of money, we describe that a little bit and in the the example that I gave our audience with the woman who started with a $5,000 premium, and then when she had enough to make a down payment on an investment property, she did so and so she she paid a premium dollar into the whole life policy, she borrowed that same dollar out to make a downpayment, she purchased a piece of real estate with that dollar, she got a rental dollar back from the tenant, and she paid her bank back on the note and deed of trust. And that's the velocity of money. It's the multiple touches within your own economy of the same dollar. And I mean, I'm simplifying it there with $1 but that's effectively the transaction. Grant Now that like you said earlier, it's the rinse and repeat principle right meaning absolutely cut it out. She's liquidated it used it acquired some capital back repaid herself and now she's she's reset to do again, right? That's absolutely. When every Seth When every dollar that she pays back into her bank, Grant, it increases the cash value, dollar for dollar. So you've got that that loan from your bank coming out. And when you recycle that rental cash flow back in or that business cash flow, or that cryptocurrency sell, or whatever your investment might be back into your bank, your cash value goes right back up to whatever you've put in. And so you and I both know that banks they make money by lending money. So Wells Fargo with and Bank of America orca Chase and these large centralized banks, they put their money to work by making good loans. They make loans that are secured, they make loans that are collateralized. And they, ultimately they want that cash flow with an interest rate. Well, it's the same principle with your own private bank. And you want to make a good loan to the borrower, whether it's your business, whether it's your brother, whether it's whatever a third party, you want to make a good loan, make sure it's collateralized and secure in the chief got an investment, cash flow, and an ROI on that loan coming back to your bank. And there's that cash flow increases again, you do the same thing. So you begin to think like a banker, you think like a banker? Grant Yeah. Because that's so liberating, right to people to be able to be on that side of the table. Right? making those choices. Alright, and then what's the fifth? So there were seven? So I was four. What's the fifth one? Yeah, I'm looking at the seven pillars. Seth So guaranteed financing. Yeah, it financing. So let's say that you're that you've you've you've done like our our hypo example with a woman there. And she's gone through a number of years, but she only started with 5000. Remember, now let's say that she's got 100,000, in total cash value. And she's in a state like Texas, where you can buy an investment property for 100,000. Or she could lever into multiple properties on like an 8020, split, for example, you know, she could buy five properties with 20%, down and put 20,000 down on five properties that cost $100,000, financed the other 80%. And she's building cash flow on all five of those, and actually getting a much higher ROI. And in that example, what you what she would be doing was effectively using leverage to increase the ability to invest in multiple assets. And when her cash value stacks up high enough, she could take out the third party lenders, or she could continue to use that strategy of leverage. And that really depends on someone's their own risk tolerance, their own investment strategy, some folks, they you know, that they're going to eliminate those third party loans. And they're going to take that cash value and just totally take out the third party debt. And so the only debt that would remain on that particular real estate asset would be their, their own private bank. So the guaranteed financing part means you don't go to the bank, and you don't have to qualify, you don't have to go through any type of you know, yeah, because you're the bank. Yeah, you're the bank. Yeah. So you make sure you look that guy in the mirror, and you make sure that you're making a good loan on a good asset. And you do that. So but I described the principle of leverage, because a lot of times people get ahead on that concept of leverage, as opposed to just buying one property for $100,000. And let's say you're making 2000 a month, you got 24,000 in gross cash flow, versus, you know, if you spread that across five properties, and you got 24,000 times five life and cash flow, so you know, and you're able to just knock those debts out a lot faster. That's the velocity of money and guaranteed financing working together. Yeah. Grant And written replenishments faster. Okay. All right, number six, and seven, what are those on your seven pillars? Seth So guaranteed compounding it tax free growth is the part inside your policy that that cash value and your premium dollars, they are compounding inside the policy annually, and there's no taxable event. And so I think it was Einstein who said the, you know, the compounding interest is the eighth wonder of the world or something along that line. And if you're not, you're not getting compounding interest, then you're making a mistake. So you don't get compounding interest in your centralized banks. You don't get compounding interest in various other investments or formats. But in this these policies you do. So that's, that's something that is very distinguishable and it also takes out the market risk with your policies and the values in there, you're not subject to market risk. So this is not universal life. This is not indexed. Universal Life or any type of risk transfer. To the the owner of the policy or to us, you're not taking on market risk. But in those types of policies Universal Life or index, Universal Life, ual  Grant You, you are taking on market risk and one of the things? That's right, so being in control of the risk, right, that's absolutely mental aspect. Seth Absolutely, if you're going to use your cash value and put it to work and investment, you should be the one that's able to identify that risk and not have it subject to equity market risk. So it never goes backwards, you're going to only see a steady prodding forward with this compounding growth. And after a certain number of years, it starts to go more parabolic. And that's, that's really the beauty of this. And the magic of it. Some folks, they they locked this stuff up for retirement strategy. And you know, some are using it for the leverage. Grant Yeah, you know, it's interesting, I've seen some financial people describe that risk control paradigm with a with a pyramid, right, and they'll describe it, you know, in the, in the manner that you want to have more control. So you start, you start, you should start these sorts of strategies first and get that established. And then and then over time, as you go up the pyramid, you have less control over it higher risk, potentially higher returns, but that might be where you're doing some you're, you know, trading or investing or self directed activities. And a lot of people invert that pyramid, right, that's a well, they'll start with that self directed trading or investing. It's, you know, high risk, low control, and then blow out what capital they have, when instead, turn that the other way around, start with these foundational approaches that you're describing, and then build on top of that. Does that make any sense? Seth Amen, absolutely does. Sometimes will, will describe that as, you know, Hare and tortoise paradigm. And some people go, Well, this isn't, you know, I can make this much here. And I make 12% Over here, I can make 15%. Well, no, you really can't over 30 years, and likely there's going to be a risk factor there that may blow you out. Totally. Grant Yeah. And the loss of control that absolutely, yeah. Now. Yeah. Seth I mean, you've got this third party risk, whenever you've got, you know, a transfer of your money to someone else. That's, you know, you've got that risk that counterparty risk, whereas this, these insurance companies, they don't fail. I mean, they've been paying dividends, since before the Civil War, year after year, through the Great Depression through the Civil War through every economic upturn and downturn that there is. And it's, it's just one of the reasons why grant is because there's a cash reserve requirement of one to one, as opposed to a cash reserve requirement at a Wells Fargo of maybe 10% or less. Yeah, so they take they take $1 In deposit, and they're able to lend out 10, or perhaps even 50, depending on what their total asset bases and that's, that's funny math. You just print money out of thin air, and then they're able to loan the printed money at an interest rate, and they're making money on something they never even received a receipt. Grant Fascinating, right? The before I ever heard about this approach of this technique, one, I have to tell you my origin story of learning about this for the first time, it was my wife was driving our minivan. It was when our kids were little. And she was backing out of the garage and kids were bouncing around everywhere. And you know, I would have made the same mistake, but she wasn't watching. And she was turning around and talking to the kids. Hey, kids sit down, she backs out and just wax the mirror off of the side of that house right on the minivan. And so you know, I come home from work. She's like, many of the mirrors hanging off the side. So I look at it go well, it was a really old minivan, really old minivan. And I was like, Well, okay, let me go get it fixed. And so I took it over to the dealer. And I had this thought goes through my mind. And the thought was wait, rather than because at the time, I think auto loans were going to like 4% or 5% or something like that. And at the time, our house had been paid off, but I decided to take out a home equity loan to do some fix ups on the home and it was running. The interest rate at that time was like half a percent on this home equity loan. And so I'm in there They're looking at getting the car fixed. And I'm going to dealer and all sudden I go, let me go look at the floor, showroom, and I walked over, you know, I pull out my home equity checkbook, and I just pay for it right there, boom, and I get this car course still today it's a joke if dad goes to fix the mirror comes home with the new car. So I come back with the, with this car. And oh, by the way, I'm driving back thinking, I'm a banker, man, I just, I'm a banker, I just, I just floated this thing myself, and got home. And of course, guy, you know, paid that off at a much less interest rate. A few years after that. I heard this principle you're talking about you've been discussing here. And it clicked, I went, wait, wait, that's kind of what I did. Right. But it wasn't using a whole life. But the whole principle is, let's put the people in charge. Right? Not not some other policy or program that larger organizations are bestowing upon you but rather put us the people in the driver's seat, so to speak, and be able to make those decisions themselves. And I think that that's really liberating.  Seth That's absolutely, yeah, that's absolutely right. And that that's exactly the same principle is you're you're taking back the banking equation, you're becoming you're operating a private family bank that has generational value, and and has you where you are able to touch the same dollars that you make multiple times like we described in one of our examples and and you're that velocity, really accelerate your wealth curve. And without the taxation issues. And without the the asset protection risk, you're able to transfer assets generation to generation and take a whole nother opens up a whole nother doorway. So that brings us to our seventh pillar, which is legacy value, and the tax free transfer of these policies and the death benefits to the next generation or Asian officials. Wow. Yeah, tax free. So think about this, for example, there's a guy who most people know named Prince, and the or the artist, formerly known as Prince, he was a pop rock, yeah, seeing are pretty pretty well known. And he died not too long ago with an estate value of about $200 million. And he was a resident of Minnesota, ironically, and he had no private banking structure in place, he had really no estate tax planning structures in place. And between the federal government and the state of Minnesota, they took over $100 million of that 200 million, and in taxation and estate taxes, and his beneficiaries and heirs, you know, are left holding the short end of the stick, that none of that would have occurred with proper planning, or that same money in a private banking situation. And then, I've heard, I was reading some articles on Suze Orman who's a supposedly financial guru. And she talks about private banking on occasion, and she, she really has no concept of what it really does. And in this interview article with the guy from New York Times, she says, You know, I'm so worried or concerned about my, my partner, being left with less than half of my estate. And I think at the time of the article, she worked about 65 million. And so her partner, she said, is going to, you know, have have to, you know, take 30 million or whatever, instead of 35. And she didn't know how to overcome that problem. And I thought, this is really unbelievable, in the sense that it's such an easy solution. And we kind of we talked about this kind of off off recording about it's literally the stroke of a pen that you can accomplish these values and these benefits the Seven Pillars without having to be, you know, a black belt. And in any particular one one realm. Grant Financial genius, you just have to know that that's available that it's there. Absolutely. Seth Yeah. So you enter the policies, you fund your policies, you keep funding your policies, and you enjoy the these benefits. It's really not rocket science. It's more just of learning that it's there. And it it it blew my mind. It was an epiphany to me. Yeah, having practice law for decades and then and then seeing this was available. I thought it can be that easy. It can't be that easy to with the stroke of a pen to protect assets, but it is I mean, it's it's codified law and these contracts grant or it's worth mentioning that there they are regulated state by state. So each state has their own statutes that govern the the law, the protection, you're gonna need to protect it right.  Grant So some states better than others are worse, right? Seth Absolutely. And it's, it's kind of like the post Civil War era statutes in southern states. They protect their citizens, life insurance policies, they protect their citizens homesteads many times in comparison to other northern states or western states. So it is, Grant wow, that's huge. Okay, so, all right, I've really enjoyed the conversation, if you were to point people to a place to go to learn more about this, Seth, where you're going to point him to? Seth It's really easy, you go to our website, https://privatebankingstrategies.com, that's https://privatebankingstrategies.com. And there in you're going to find a an offer. And you can read a book that we wrote that that tells you about secrets that banks don't want you to know, effectively. And I like to call it a red pill book. And it spots issues that people may or may not be aware of. And it's it's amazes me, how many folks don't really understand what the banking folks are doing to them. You know, and with regards to mortgage rates, with regards to all sorts of issues, you just so this red pill book is something that pops up there for you. And you've put your contact information, your name and your email, and, and you can listen to the book on audio, or you can take it in a written form. And that's really the where we start. On our website, Grant, we've got a pretty wide volume of resources from podcasts that dive into particular pillars, or how to how the banking operates, to blog articles, and then our emails that will come to you also address certain issues like the Dodd Frank Act, and what how why does that matter to you? Are, are your are your, you know, is your cash safe? And and it's centralized bank, why or why not? You know, our, there's simple things that you can do to protect yourself. So we try to add value. And those emails that come out to folks, we try to help them make a decision that this is, you know, for them or not for them. And it's really that simple. So you just hit the website, private banking strategies.com. You can have the book for free, all the podcast, all the emails for free. And if those things resonate with you, then you can schedule an exploratory call with Vance and start to get into the nitty gritty of it into what it means.  Grant Wow, Seth, thank you so much for taking the time here today with us and with our audience here. Very enlightening. It feels like we're popping out of the matrix right with with red pill. I love the analogy. Thanks again for joining and for going over this today. Everyone. Take a look at what it is that Seth is talking about https://privatebankingstrategies.com Thanks again for joining in everybody and until next time, become your own private banker. Seth Thank you, Grant. Thank you for joining Grant on Financial Investing Radio. Don't forget to subscribe and leave feedback. And remember to download your free ebook, visit ClickAIRadio.com now.

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