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96: IBC Policy Loans vs. Margin Loans
Manage episode 402553883 series 2926696
Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners.
In this week's episode, we compare policy loans from a whole life insurance policy vs. margin loans. When discussing policy loans used with the Infinite Banking Concept™, sometimes people will be dismissive of the strength of policy loans because they have the ability to borrow on margin aginst the value of their stocks.
But policy loans vs margin loans are an apples-to-oranges comparison.
We compare the following:
- Reliance on third-party credit
- Loan-to-value (LTV) ratios
- The typical underlying assumptions used when choosing margin loans
---
EPISODE HIGHLIGHTS:
[01:00] Third-Party Risk Discussion
[08:00] Risks of Margin Loans
[09:00] Loan to Value Ratios Explained
[12:00] Control and Safety with Policy Loans
[16:00] Assumptions in Credit Analysis
[21:00] Foundation of Financial Strategies
----
LINKS:
Get in touch: SCHEDULE A CONSULTATION
Online Course: IBC MASTERY
----
About Your Hosts:
Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!
John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.
John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.
----
Connect with us
Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
----
ONLINE COURSE:
Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.
Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:
118 jaksoa
96: IBC Policy Loans vs. Margin Loans
Strategic Whole Life by Infinite Banking Authorized Practitioners
Manage episode 402553883 series 2926696
Welcome to STRATEGIC WHOLE LIFE (formerly The Fifth Edition) by Infinite Banking Authorized Practitioners.
In this week's episode, we compare policy loans from a whole life insurance policy vs. margin loans. When discussing policy loans used with the Infinite Banking Concept™, sometimes people will be dismissive of the strength of policy loans because they have the ability to borrow on margin aginst the value of their stocks.
But policy loans vs margin loans are an apples-to-oranges comparison.
We compare the following:
- Reliance on third-party credit
- Loan-to-value (LTV) ratios
- The typical underlying assumptions used when choosing margin loans
---
EPISODE HIGHLIGHTS:
[01:00] Third-Party Risk Discussion
[08:00] Risks of Margin Loans
[09:00] Loan to Value Ratios Explained
[12:00] Control and Safety with Policy Loans
[16:00] Assumptions in Credit Analysis
[21:00] Foundation of Financial Strategies
----
LINKS:
Get in touch: SCHEDULE A CONSULTATION
Online Course: IBC MASTERY
----
About Your Hosts:
Hosts John Perrings and John Montoya are dedicated to spreading the word about Infinite Banking so you can discover for yourself how you and your loved ones can benefit with a virtual streamlined process that will take you from IBC novice to sharing the strategy with friends and family... even the skeptics!
John Montoya is the founder of JLM Wealth Strategies, began his career in financial services in 1998, and is both an Authorized IBC® and Bank on Yourself® professional licensed nationwide.
John Perrings started StackedLife Financial Strategies after a 20-year career in the startup world of Silicon Valley, where he specialized in data center real estate, finance, and construction. John is an Authorized Infinite Banking® professional and works nationwide.
----
Connect with us
Get in touch to see how you might apply these principles to your situation. Schedule a free, no-obligation 30-minute consultation with us today!
----
ONLINE COURSE:
Stop wasting hours on YouTube trying to piece together the information you want regarding The Infinite Banking Concept®.
Check out our soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:
118 jaksoa
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