10–90 is not as anti-base as you can go. So why stop there? — What’s an Anti-Base Premium Policy Design? There is a vein of whole life insurance marketing on social media — maybe even the dominant vein — that advertises that the way to design and buy a whole policy is to limit the base premium to 10% of the annual premium outflow to the life insurance company. …

See below for instructions to get tickets. — If you’re like me and many of my clients, you’ve felt what it’s like to be what Nelson called a “Lone Ranger.” People who implement the IBC, who are on their way to becoming their own banker often feel isolated in the sea of financial and economic noise. …

Online term insurance promotion-engine “Policygenius” attacked the Infinite Banking Concept in term insurance sales copy disguised as independent journalism. I respond. — The title of a July 15, 2022 article at Policygenius is (painfully) entitled “Infinite banking life insurance is the latest TikTok trend — is it also a scam?” Who? Policygenius describes itself as “the only insurance marketplace combining cutting-edge technology with the expertise of real licensed agents to help people get…

An application of a prominent business professor’s analysis of business strategy and business plans to the domain of financial advising — In a great deviation from my normal approach to academia, I want to talk to you about Harvard. In particular, an emeritus professor (this is a fancy term for “retired professor”) called Roger Martin. Before two weeks ago, I had never heard of him. This shows you how much time…

An exercise in proper classification to help you sort the click-bait brand awareness marketing from the teaching and legacy of Nelson Nash. — There is an attitude out there — the dominant, majority attitude, in fact — that says that purchasing a dividend-paying whole life insurance policy with a substantial amount of premium payable to the PUA rider in the first policy year counts as “doing” or “adopting” or “implementing” IBC.

A digital (non-DVD) 6.5 hour recording of Nelson Nash’s seminar is now available at the Nelson Nash Institute. You should go watch it. — This is a (mercifully) shorter post than usual. There is a new online offering from the Nelson Nash Institute (NNI) that you should know about. For years, a 3-disc DVD, 6.5 hour recording of one of Nelson Nash’s seminars has been available at the NNI web store. …

The elephant in the room is the question: “what does it mean to ‘properly design’ an IBC-style whole life policy. This series lays the necessary groundwork in systematic fashion to help answer that question. — As you may or may not know by now, my mentor James Neathery and I co-host a podcast called Banking with Life. March 2022 marked the show’s three-year anniversary. …

A Thanksgiving exploration of how to give the gift of capital creation. — Background This article expands on a topic I first raised on this blog three years ago (this one). That article highlights some of the features of dividend-paying whole life insurance and observes the fact that non-profit entities are not subject to income tax, and therefore, that non-profits can own Modified Endowment…

Changes to the IRS Code pursuant to the Consolidated Appropriations Act of 2020 effected the pricing of life insurance death benefit. This article describes those changes and what they mean — and don’t mean — for the Infinite Banking Concept (IBC) — Background Life insurance is an extremely old financial asset. Long before the United States of America — much less the Internal Revenue Service — was a thing, Lloyd’s of London was issuing life insurance.