The Three Phases of an Infinite Banking Policy

One of the most common points of confusion in Infinite Banking is the tension between two things advisors say in the same breath: use the money right away, and think long term. In this episode, Brad Lowe and Mike Schwallie resolve that tension by walking through the full lifespan of a properly structured whole life policy — from the day you fund it to the day it's funding your retirement. They break it down into three distinct phases. The capitalization phase — roughly the first five to seven...