12: The Math on Whole Life Insurance Returns

https://is1-ssl.mzstatic.com/image/thumb/Podcasts211/v4/3d/1c/56/3d1c567a-e29f-4838-6225-61d53ef3d6cd/mza_8942477206758978753.jpg/600x600bb.jpg

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.

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.

12: The Math on Whole Life Insurance Returns

StackedLife - Authorized Infinite Banking

17 minutes

5 months ago

12: The Math on Whole Life Insurance Returns

In this myth-busting episode, I'll translate the complex math behind whole life insurance returns into language everyone can understand.

Using real numbers and my favorite financial calculator, I'll show you why comparing whole life insurance to other investments without accounting for taxes, fees, and death benefits is like comparing apples to oranges—and why this misunderstood financial tool might deserve a second look in your wealth-building strategy.

LINKS:

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

2. Get my free course, Supercharge Growth with Whole Life Insurance

2. Work with me: Schedule a consultation

(00:00) - 012: The Math on Whole Life Insurance Returns
(00:03) - Is Whole Life Really A "Bad Investment?"
(00:31) - Book Recommendations
(02:30) - Cash Value Growth is Not an Interest Rate Calculation
(02:52) - Understanding Capital Equivalent Cost
(03:41) - Breaking Out the Financial Calculators
(07:36) - Whole Life Insurance as an Asset Class
(09:01) - Accounting for Term Insurance
(10:09) - Accounting for Taxes, Fees, Commissions, Custodianship
(15:27) - Millions Lost When Term Insurance Expires
(16:30) - Whole Life is NOT an Investment, But it Ain't No Slouch Either