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StackedLife - Authorized Infinite Banking
John D. Perrings
22 episodes
1 month ago
StackedLife is the podcast for smart savers hungry for real, proven financial strategies. I'm John Perrings, an Authorized Infinite Banking Practitioner. In this weekly podcast, I cut through the noise to deliver practical, principle-based strategies rooted in IBC that work regardless of market conditions. If you're done with status quo advice and want to grow your wealth and income with safe, foundational strategies, this is your roadmap to financial independence.
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How To
Education,
Business,
Investing
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All content for StackedLife - Authorized Infinite Banking is the property of John D. Perrings and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
StackedLife is the podcast for smart savers hungry for real, proven financial strategies. I'm John Perrings, an Authorized Infinite Banking Practitioner. In this weekly podcast, I cut through the noise to deliver practical, principle-based strategies rooted in IBC that work regardless of market conditions. If you're done with status quo advice and want to grow your wealth and income with safe, foundational strategies, this is your roadmap to financial independence.
Show more...
How To
Education,
Business,
Investing
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08: High Risk with High Early Cash Value
StackedLife - Authorized Infinite Banking
36 minutes
7 months ago
08: High Risk with High Early Cash Value

What Social Media Influencers Aren't Telling You About "High Early Cash Value" Policy Designs

"High early cash value" (sometimes referred to as "90/10") whole life policies are frequently promoted across social media, promising maximum early cash value with seemingly no downside.

In this episode, I demonstrate the hidden trade-offs that, in my experience, I never see disclosed to clients. We have compelling data from 50-year policy comparisons that shows why these designs often cost policyholders hundreds of thousands in long-term wealth potential.

Listen in to learn how Nelson Nash's principle of "thinking long-range" is essential and how a more balanced policy approach provides the flexibility and wealth-building capacity superior to high early cash value designs and can transform financial outcomes for generations.


LINKS:

1. Get my free weekly newsletter with exclusive content on financial education

2. Work with me: Schedule a consultation


  • (00:00) - What to know about high early cash value
  • (09:22) - The three ways to get high early cash value
  • (10:10) - IRS rules are why policy design is even a thing
  • (11:13) - Cash value is derived from the death benefit not separate from it
  • (11:59) - More death benefit = more possible cash value
  • (12:19) - 1. "Short-Pay" Policies
  • (15:55) - 2. Big, long-dated term riders
  • (16:58) - 3. Non-guaranteed policy elements
  • (18:48) - 50 year comparison: Short-Pays vs. Long-Pay
  • (26:26) - Paying premium takes precedence in the order of operations
  • (29:05) - One additional payment changes the entire story
  • (32:34) - Expanding the system
  • (33:55) - Think long range
StackedLife - Authorized Infinite Banking
StackedLife is the podcast for smart savers hungry for real, proven financial strategies. I'm John Perrings, an Authorized Infinite Banking Practitioner. In this weekly podcast, I cut through the noise to deliver practical, principle-based strategies rooted in IBC that work regardless of market conditions. If you're done with status quo advice and want to grow your wealth and income with safe, foundational strategies, this is your roadmap to financial independence.