How to become your own bank

[@jmch6359]

My new favorite (non-professional) financial advisor!

[@ASaleh-bn8dm]

She is, thank you Laura

[@kjvisual7]

I just used your Amazon link to buy Becoming Your Own Banker. I want to show a gesture of gratefulness since YOU introduced this concept to me. Thank you! Please keep posting videos!!!

[@laurapitko6404]

Ken thank you so much, I appreciate your support and nice messages!

[@NicolaT-vm3ev]

What is your Amazon link

[@waynefarrellvoiceovers]

New subscriber. This is fantastic. Thank you for explaining so clearly and concisely what two major online courses couldn’t do for me. Much appreciated!

[@raquellee3788]

In the very beginning of your video was confusing to me but as I continue listening to you it makes a lot of sense. Back in 1988 my husband was a licensed agent selling term life insurance for a company named A.L.Williams than later they changed to Prime America. I never got licensed because it didn't interest me. But let me mention something so funny. Now I've been trying to buy term life insurance and every person that call me to give me a quote they actually tell me is term life and as I asked them questions I say oh you're selling whole life and when I tell them the difference between the two they always slam the phone on me and call me a b_ _ _ _. I always get a kick out of that so I can't get term life. That's funny to me. But your video is so informative. Thank you so much. I'll be another of your followers.

[@mylesoliver9797]

I thought Primerica only had term life insurance. Hmm

[@kyrie4451]

The problem is that whole life policy's premium is ridiculously high and you have to pay/borrow against the cash value of the policy until you die. The rate of return from the investment component of life insurance does not justify the high premium cost. Directly investing in ETFs/stocks/other financial instruments will lead to similar, and often higher return without the premium which in long term reduces your return because of less money is compounded into reinvestment. In addition, when you borrow from the cash value of the whole life policy, the interest will be applied to the cash value which reduces the total cash value when you surrender/cash out or die.

[@juvyjohnson]

Whole life is an type of life insurance. Cash value Life insurance is a permanent life insurance that you can use as a family bank. I am a Financial Professional. If you want to know more, I can show you how it work.

[@samandjulievaiz4228]

I agree that Whole Life is not the best program but there are other Index-based (uncapped) strategies that give ETF's/Stocks/Other financial instruments a run for their money. Plus you didn't mention taxes. Taxes with those other "instruments" you say... will lose their total cash value when they are removed. Look at stocks and other "instruments" on what they're doing right now. No Bueno.

[@samsciascia4004]

When you borrow against home equity, are you borrowing your own money? Or are you borrowing the bank's money, and they're using your home value as collateral? If you sell the house before the Heloc is paid they subtract it. This is the same concept. There is no investment component. This has nothing to do with rate of return, nothing.. it has to do with using funds throughout your life more than 1x and having it grow (not drained back to 0) while using it tax-free. Having a pool of liquid funds for large expenses on tap ready to take advantage of opportunities is 100x better than a traditional savings accountIt'which is why many R.E. investors do as well as business owners use it.

[@feliciab136]

The ring light on the whiteboard makes it hard to see what you are writing. Thank you for the video.

[@laurapitko6404]

I will have to adjust set up! Thank you :)!

[@DjDrop1dannysfilms]

Just but the ring light at a 45degree angle so the glare is not directed to the camera

[@margrettasvitsen508]

lol

[@paulargueta]

Great information. The key is executing and taking action. Too many people watch and do little to nothing with the information.

[@johnbacich5812]

For someone with a good understanding of financial/ monetary type things it probably comes off as a simple strategy though for those of us that don't it's almost overwhelming. Someone could spend an hour telling you how to rebuild a 16 speed transmission though rarely would one be able to walk into the garage and make it happen. Saying well you have all the information so get it done is a bit unfair. I just found these videos for the first time. This woman is incredible for sure. Though now after watching 2 or 3 of her videos my mind is flooded with numbers and now I just feel overwhelmed, confused and lost.

[@queenbiz2382]

Hi Laura! Can you do a video strictly on what and what not to do when purchasing life insurance? Thank you, take care!

[@kicksandfits07]

I would like tge same information. Interesting. Thank you.

[@sonyamitchell2867]

Yes, please. I would like to know what exactly I need in my life insurance policy for this strategy to work.

[@david23isaac]

It's crazy to me how just today I was reading "what would the Rockefellers do.?" book, and it was explaining this exact strategy to the T"... perhaps God really wants me to know how to do this so that I could help others !

[@laurapitko6404]

David Martinez That book is one of my favorites!! Garrett Gunderson shared that he learned this strategy from Nelson Nash in person, but I love how he takes it to the next level with the family bank concept! Anyways, glad you are enjoying the strategy.

[@vanessacastillo1571]

David Martinez yes, I love you yielded to God. It's confirmation. Hope you are putting the strategy to use.

[@ronnieb1837]

The thought processes of the religious mind are so sad. And there's always someone ready to back up a nut in full flow... Yes, Vanessa was there, and she LOVES that you yielded to god. At least Laura tactfully avoided your god reference. She had to make up a reason for replying by saying she's 'glad you are enjoying the strategy', even though you didn't say you were... I'd love to hear how you dissect my comments. Will it be that the devil is sat on my shoulder, or perhaps that my musings are part of god's plan to save me...? Relax, I have no doubt you'll arrive at the correct truth, just as you worked out why you came across the same subject twice in one day. By definition, discerning patterns in chaos comes naturally to the apophenic.

[@estherstrategicadvisor749]

@@ronnieb1837 ONE DAY you will WISH you did not reject God's GIFT of LOVE when you give account for your choices. *In the meantime, great INTELLECTUAL that you are, I challenge you to read the book "The Case For Christ" by Lee Strobel. He is a former Atheist who set out to disprove that God loved him enough to come to earth as Jesus. He provides the SCIENTIFIC, HISTORICAL & PROPHETIC evidence of who Jesus is.* 🔹Without this info your skepticism is probably just based on hurt feelings, not on having all the SPIRITUAL facts. #YoureWelcome😁

[@stephenchristian5739]

@@ronnieb1837 no ronnie I just feel so damn good MAKING MONEY TO GIVE when I give its just amazing the power you build the confidence that happens the rolling of more success on top of success & at the end my life I can smile & say I was here for a reason damn it! I CHANGED THE VERY TABLE OF TIME & CONTINUUM

[@daw7773]

The problem is that it takes a long time to build up substantial cash value(e.g. +10,000) in an insurance policy. Also, the insurance company substract administration fees which further reduce the cash value accumulation over time.

[@samsciascia4004]

Depending on how you stucture it you can be 85%-90% the first year.

[@edwizard62]

I finally got it! After watching all your videos, I finally understand it! I'm so happy now. Thank you.

[@diego81683]

Hi Laura can you give us an update review on your life insurance policy. After 3 years is it still worth it or have you experienced any unexpected cons to the policy? Thanks

[@Mrs.LadeyBug]

Good question! I would also like to go see if Patrick Bet David talks about this.

[@marcmini8137]

Didn't really explain what the insurence policy is exactly. And how whole life insurance pays u dividends, where the money comes from and where it goes. Knowing how the whole life insurence fund works would really make it easier to understand how u are able to borrow off ur own policy and cash value

[@Shardalon]

Did you ever make that video on how to structure the insurance policy?

[@d.e.brenner2930]

I was wondering that also. The information is great Laura. Thank you for making me aware of it.

[@winstonprice3257]

Winston.....Ditto

[@kicksandfits07]

Ditto..

[@robdixon6862]

What if you have 10k or 20k already in the bank and you transfer it over to a policy…. Whats would be the risk of doing that.

[@ismael381]

I have to watch this twice lol. But one of my questions is where can I start to look for the right life insurance company. I'm in California by the way I just dove into this subject I want to learn. Also I'm trying to learn real-estate & how it works. I would like your opinion. Thanks😊

[@drumstyx]

Why is this better than a tax sheltered or tax deferred account? I'm not sure what's available in the USA, but in Canada we have RRSPs which are tax deferred until retirement, and TFSAs which have tax-free growth. The latter of which is extremely liquid, funded with after-tax dollars, and tax sheltered completely (though, admittedly, is limited by a max deposit of $69000 right now)

[@zhannayarkayeva3414]

Well said.

[@Juniormoreau]

Is it possible to fast forward the capitalization period by making a lump sum? So say for simple math my payments are $2 every month. And the capitalization period is 2 years can I pay the $24 up front?

[@WEALTHYANSWERS]

Thank you, Laura. I was searching around to learn more about this exciting service I just signed up to promote. I am a licensed Life and Health agent. I have watched a few of the KZbin sharers and educators and your videos are so easy to understand and not too long. I loved the first video I found on the 3 wealthiest families and how they did or did not use this system and the outcome because of it. Glad to have found your channel!

[@zhannayarkayeva3414]

Please, also watch Dave Ramsey on this subject.

[@yeniflores8715]

Thank you so much for this videos, you are amazing 🙏🏻🙏🏻

[@SarahMyriam]

Do you have a life insurance company you recommend for this?

[@JoseHernandez-jg3xl]

HI Laura. Great explanation. Look into how an Indexed Universal Life policy works versus a whole life life policy.

[@harlemworldking7942]

hey indexesd universal.life policy.. nane1for me.so can also check into it.Sound like can be good move. So must have one.... Sugest to me the One you may have...

[@Scholar1435]

where to get the best life insurance policy for you 30ies?

[@mariazoubroulis2465]

The younger and healthier you are, the cheaper the policies will be. We are in our early thirties and got a 30 year term and a universal life cash value insurance. The 30 year term for $500,000 could be between $380-$480. Pay it on annual basis, because it's cheaper VS paying it monthly or quarterly. We have elected the cash value to pay quarterly, as it's too expensive for us to pay on an annual basis. Our quarterly payment $291-$361. Term insurance is cheaper for women VS men. Cash value insurance is cheaper for men VS women. We went with BB&T, as they are an insurance broker, and can shop around on your behalf for best rates.

[@jeaniechampagne8831]

While putting your paycheck into the whole life insurance the first year, how do the bills get paid?

[@freshreserve2503]

So you can do this with all whole life insurance?

[@daminor1986]

Thank you so much!! Just purchased the book! Love your videos!! Keep them coming!

[@thegrind2191]

You're very good at what you do your videos are so informative and explained very well. Thank you

[@laurapitko6404]

Thank you so much!

[@bossclub3]

You are so awesome! The information you provide the way you explain it. Makes it all easy to follow. Thanks Anthony

[@mikemecl]

Thank you for sharing, cant wait to implement the ideas into my life.

[@user-mg8mu3rv5i]

How are you I am Canadian is it a good idea to buy an investment property in the USA

[@valentinedarius1330]

This is new to me and I'm excited to learn more. Your information is very helpful and I will follow more of your videos and will start taking action. I'm very new to this. I don't have much to start with but going to start. I'm going to teach my children this strategy. Thanks again, Laura

[@kjvisual7]

Wow! I will have to watch this again and will have to read the book. Thanks for the info.

[@laurapitko6404]

You are very welcome Ken! Thank you for watching!

[@Copykat600]

Hi Laura, I have been watching several of your videos and really appreciate your work on here to help educate others. Would you say that a person who is looking to put their emergency fund, 6 months of living expenses should put their money towards this? I live in California is there a tool that would help me determine if that is the best option?

[@stefjuntv7791]

what insurance do you prefer?the term life insurance?

[@gabe6817]

Great video, may I ask where you learn your information from? I’m assuming books.

[@craneshashaw]

How much money do you have to accumulate in the policy before being leased?

[@patandersen4271]

Thank you, Ms. Pitko great video needed and appreciated.

[@tineejohnston9737]

I wish I’ve learned or know these long time ago 😇❤️ what is an example of policy loan?

[@almabayomi8065]

Hello Laura. I have had so many opportunities to invest in myself. I know that what you are saying is absolutely the truth because I have borrowed money before for myself. Looking back, it's apparent I made some huge mistakes by trusting people very near and dear to me. I ended up with nothing. It wasn't until my daughter passed that I realized that I had never purchased an insurance policy. As you age the monthly payments go up even more. Sure wish I had done this earlier. My question is this. If you're making ng monthly payments would it be a good idea to double the payments in order to borrow against the policy? Because of being in my 70’s my days are numbered. I still like managing my money without giving it away. And advice will be appreciated for a senior who has waited too long to do the right thing. Thanks Laura.

[@hjw8292]

Laura! Where are you? Thanks for the info I plan on doing this within a month after finding where all my money is at. Your the best. Happy Thanksgiving.

[@allsevenspirits]

I like the way you words things, Mrs. Pitko. Do you and your husband make investment decisions together, or do you two have separate accounts?

[@stevengraf800]

Great info. The camera and circular light needs to be at a small angle with the reflective white board. The camera is trying to focus on its own reflection.

[@dsanti4069]

Which whole life company do you recommend ? Seems to be a lot of them .. thanks :)

[@laurapitko6404]

Companies that work well with this strategy are - Guardian, Ameritus, Mass Mutual, Northwestern Mutual, Union Central, Mutual Trust, NY Life.

[@dsanti4069]

@@laurapitko6404 Thanks!.

[@DenzelNapoleonRodriguez]

Guardian is the most flexible for this concept I have one myself

[@kawaiy4616]

@@DenzelNapoleonRodriguez Would you mind to explain why Guardian is better than other companies whole life insurance?

[@DenzelNapoleonRodriguez]

Kawai Y yes from her list my favorite is Mass Mutual and Guardian I have a policy with both. I like Guardian a lot because I can pay my premium in full up front and then add money to my cash value at anytime during the year without any added medical or underwriting. I pay mine annually but I have that flexibility to switch with minimal steps. Also guardian has an index participation rider feature which provides you the ability to earn more than the WL guarantees and without the high fees of IUL. Like a hybrid of WL and IUL.

[@robdixon6862]

Great job laura

[@terrim.602]

I love, love you video content and fantastic teaching method, but please, please change the lighting next to the camera. We can't see what you are writing down, so when you reference it in your lesson, it's difficult to keep up. Please keep making content. I would dearly love to learn how to pull it all together with Velocity Banking, and can Velocity Banking speed up the ability to be my own banker?

[@Cryptosifu]

Laura, can I start one with a million dollars? and if so, do I still need to wait several years, to begin this? Great videos.

[@jenniferoviawe]

I know that when I went to an insuarance company the higher the policy amount you desire the higher your monthly payments, to feed your cash value will be.I think they said for a 150,000 police I would have to pay 500 a month.I did the calculation rough estimate, you will have to pay a ball park amount of $3,333 a month. You cant pay the minimum you have to over pay it..If you pay the bare minimal it will slowly eat itself away. The key is to over pay it.

[@jamesjenkins6400]

@@jenniferoviawe These are awesome . You can Buy 375,000 death benefit on a teen for about 375-400 a month for a 15 yr pay at state farm. ( Ohio national Pays higher dividends ) The state farm I have several on each of my 3 kids. At the 9 yr mark depending on their age has 35,000 to 39,000 cash value in them. Think of it as a air plane. when it takes off is heavy full of fuel the longer it goes the light and more efficient it becomes just like a whole life policy. Buy them young. at 45 years old for 1.2 million for 20 yrs is 50,000 a yr with Ohio national . but after 9 years still glad i have them. like planting a tree the sooner you plant the better off. You can't enjoy the shade for a while but when your older and sitting in the shade you will be glad you planted it Or bought the whole life policy.

[@jenniferoviawe]

@@jamesjenkins6400 Great explanation! Still new to it.

[@paulsmith9645]

Wow!! Very Valuable Strategies Laura. Keep it going

[@voidisyinyangvoidisyinyang885]

video starts at 4:00

[@DevD750]

Great video!!. I'm still waiting on video of you explaining how to set this up!!!!!

[@dr.ndidiihim]

I can help you. I'm a licensed insurance broker

[@DevD750]

@@dr.ndidiihim mmmm really??!!!

[@dr.ndidiihim]

Yes. We help people get out of debt in 9 years or less while building wealth using their own private family bank

[@Themystergamerr]

Hi Laura do you know if something like this is available in the UK? Also is it worth investigating if you’re deep in credit card debt or is it better to focus on paying that debt first?

[@nightlifeking]

Candy Cat hi I’m not Laura, but I’ve been advised for years to pay your debt before investing. If you think about it, it makes sense. If you’re investing in a security that only brings you 1-2% or even 5% annual returns, but you have credit cards charging you 10-20% interest, you’re actually losing money. So pay yourself first (which means put money away in savings) and pay off your debt. Once you’re debt free or have your debt in a low interest loan, you should then invest. But that’s just my 2 cents.

[@laurapitko6404]

Hi Candy, yes should be available in the UK it is basically a permanent life insurance policy but the key components that make it work is that it is high cash value which means the policy is overfunded, it is dividend paying and it covers you for your whole life. The key it is have the policy set up properly and with the right company when choosing companies this criteria is super important: make sure they are a mutual company because that means the dividend are going to be paid to you, with a stock company the dividends are split with the stock holders, you want a company that is at least 100 years old! Want to make sure the company has all A ratings, not a property and casualty company, a multi billion dollar company, should be able to overfund the policy whenever you want without agent commissions. (I will be putting out another video going over how to structure the policy, so you know what to look out for). With this strategy it is important to understand that you want your cash flow situation to be certain as the first initial years are for funding the policy with overfunding if you miss a few premium payments that is ok, but it is better to be in a situation where your cash flow allowed you to fund this policy without a huge strain on your cash flow that is why I would focus on increasing cash flow by determining which one of your credit cards or other debts have the most strain on your cash flow and are most inefficient and focus on paying those off first, I made a video going over this here: kzbin.info/www/bejne/j5rOZIGbfauNe8k focus on paying one debt off at a time at the same time it is important to get in the habit of paying yourself first I would aim for 20% of every paycheck to go into a savings account then when your cash flow allows it, I would put that money into a high cash value dividend paying whole life insurance policy because I think this type of policy is superior to saving accounts, brokerage accounts, municipal bonds or CDs.

[@heyerstandards]

@@nightlifeking Better : use cash flow to create capital and death benefit guarantees with the whole life policy. Each month use loan provisions within the whole life policy (which charge about 5%) to pay off the snakes and dragons at the credit cards and finance companies. Please consider that waiting until "everything is paid off" is the most costly method, since more interest is paid out and what would have been earned in the policies is never created.

[@zaccy]

Cheers for the info Laura. Looks like my country does not provide this option sadly because it has for the most part been replaced with superannuation so I cant take advantage of it.

[@laurapitko6404]

Are you in Australia?

[@zaccy]

@@laurapitko6404 Yes Laura, based in Australia

[@Savannah-ed4rv]

@@zaccy She confirmed above that these are available in Australia.

[@laurapitko6404]

Savannah, Z is correct, permanent policies are not available in Australia anymore. In the above comment I was referring to a comment made by someone else about the structure of the policy and that they pointed out the correct features I did go back and edit my comment as not to confuse anyone.

[@Savannah-ed4rv]

@@laurapitko6404 , ok, so sorry!

[@clayfarmer2160]

Can this be compared to starting a foundation?

[@Living-the-joylife]

What is the best policy in your opinion for a single person?

[@Chads6Strings]

I needed this 10 years ago

[@Tommylee1242ATGMAILDOTcom]

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[@justincoffman4508]

Exactly what i said when I started my plan. Lol.

[@justincoffman4508]

Great video. I would also add that you have to qualify for the policy as well. Thay would be another con. 💪👍

[@mrosck1]

Super intelligent and very good at teaching.

[@MelodicMoments411]

Great information

[@crichards1986]

She made some helpful videos. Why did she stop? Her channel could have been huge!

[@disclosedascunardian2328]

good on you Laura, keep going, you are providing a service

[@Tommylee1242ATGMAILDOTcom]

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[@allsevenspirits]

If I owned a big company I would have to hire you to run it.

[@tahirshah6979]

Yes, she is capable of heading a team leader. The team can be of area managers or of BOD.

[@tuanha9576]

Laura, do you know if there is an audio book version of "becoming your own banker" ? I cannot locate it. Thanks.

[@Tommylee1242ATGMAILDOTcom]

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[@justincoffman4508]

I would go to infinitebanking.org/. He has an audio version of his book on his sight.

[@lihl2rvn300]

Laura what if the interest rate of the policies loan is 10% annually (Prudential and Manulife Asia). Wouldnt we lose 5% if we borrow from the policies?

[@Tommylee1242ATGMAILDOTcom]

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[@mordechailevinson8646]

....Thank you for posting this....

[@faizalbaker343]

Thank you. You are amazing

[@SantiagoLopezgalicia]

Is this a whole life insurance or index universal life insurance (IUL)?

[@mikef2811]

You use whole life because it has a guaranteed return, usually around 4%. IUL is best if you are a high income earner and use IUL as a Kai-zen Plan.

[@TheLewisConnection]

Bless you!!! This is very helpful!

[@bgp7287]

youre a pro

[@adventuresofaotrtrucker9421]

I was focused until the white board and the light really threw off my concentration otherwise great video

[@sandeepmehta5311]

Excellent channel for young people. Keep it up.

[@mickOR99]

Will this work in Australia ?

[@auxripper]

Yes. A dividend paying whole life insurance policy is possible anywhere. Just make sure the policy is held by a mutual company, not a publicly traded company

[@laurapitko6404]

Auxripper answered this question well in regards that you have to do your research on the insurance companies and make sure they are a mutual company because that means the dividends are going to be paid to you, with a stock company the dividends are split with the stock holders. You want a company that is at least 100 years old! Want to make sure the company has all A ratings, not a property and casualty company, a multi billion dollar company, should be able to overfund the policy whenever you want without agent commissions. But this is not available everywhere.

[@auxripper]

@laurapitko, I've had my policy for years! At the moment I owe it several $K, but it's better than owing a bank! I'm so glad to see you are promoting this financial tool. Remember, people literally have to transform the way they think and invest to use this tool properly

[@laurapitko6404]

mick ryan, permanent life insurance policies which are the basis for this strategy have been replaced by superannuation in Australia, so it would not work in your country as of right now unless life insurance companies offered whole life policies again.

[@Mr.freedom_]

Great great video thank you priceless information 👍🏿👌🏿👏🏿🤙🏿

[@kawaiy4616]

what is the "cons" for the improper design of the policy that you mentioned in the video

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[@kicksandfits07]

That is a great question. I am looking for more information about this as well. Have you gotten any information? Thanks

[@archimedes7436]

Can you set up a insurance account like this for your LLC?

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[@sakbar958]

So why couldn’t this work using a solo 401k?

[@markcrogan3807]

When you take a 401k loan those funds are not earning until they are paid back in and you are losing growth potential in a growing market. You are also paying interest to yourself but will lose the gains and you must make the monthly payments. You also cannot add extra principle only the entire outstanding balance owed, no partial payments allowed.

[@d.patrickanderson2393]

great. thanks for sharing.

[@lucidlogic2369]

New sub! Your beauty is quite distracting. I gotta keep reminding myself to stay focused on what you're saying.

[@durtissanchel]

Keep it in your pants

[@hovelfrog]

Welcome to Russian chicks.

[@DjDrop1dannysfilms]

Is there a way to use home line of credit to pay off your home sooner and this strategy at the same time. Seam like they both need all your money involved? You are great but to me seams like contradicting strategies. Please explain

[@jeaniechampagne8831]

The light reflects a bright ring on your board... can't see half of what you're writing on the board.

[@terrim.602]

You are so smart!

[@debunkified]

Let me let you in on a little secret. There is no money you just think there is. Don’t believe me? That’s ok you don’t have to but take a look at a one dollar bill and what does it say? That’s right it says this _note_ is legal tender. It’s a note and that’s all it is. Money requires a value to back it like gold or silver. These *notes* do not have value behind them therefore it is not money. Banks and the government _borrow_ these notes with a promise to pay back and then loan these notes of non existent money to you. Then they charge you interest. What are you thinking! Why are you giving your so called money away to the banks in the form of interest? There is no money in this country because it’s all borrowed from the federal reserve and is printed from thin air with a push of a button!

[@JamesBond-pm2lo]

Good contents but poor video. Why don't you use computer screen shot presentation not using white board? It reflects your lighting on your white board and I can't concentrate on your good contents. I hope you remake this video with better video quality again.

[@mfward143]

I just came across your videos. They are very informative and insightful, with all the info you have shared it has sparked a few questions, do you have a business email so I could write a few questions and thoughts I came up with after watching this and your other videos.

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[@toiletducky4961]

Rare breed

[@seanthemoneymagnet2158]

You have been so helpful for me. Thank you for explaining this so well.

[@hibarixv1155]

Why does she have Tax Deferred listed as a pro for the whole life insurance? The alternative is literally called Tax Advantaged for a reason. Also whole-life insurance is an absolute scam if you care about leaving money behind for beneficiaries. Essentially you're paying for 2 products bundled together; life insurance and a liquid asset savings vehicle. When you die however, you only get to benefit from one of the products, your family can either claim the cash value of your policy, or they can claim the death benefit, but not both.

[@Tommylee1242ATGMAILDOTcom]

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[@samsciascia4004]

Net death benefit = cash values + net amount at risk - any outstanding loans. The cash value is a component of the death benefit. Not on top of and not instead of. You do get the cash values. Why do you think the death benefit increases? It's because of the cash value.

[@margrettasvitsen508]

Oh god!

[@Tommylee1242ATGMAILDOTcom]

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[@xaviergomez4574]

Are you in Florida?

[@laurapitko6404]

:D I am in Chicago!

[@calxcal]

Sure, easy... Costs $500,000-1,000,000 to start your own bank and you'll need between $10,000,000-1 $20,000,000 in funds. If that was the case, I rather open a car dealership and drive my cars for free. 😊

[@fstover5208]

Neat!

[@vobando]

Thanks for the knowledgeable videos! Brains & beauty!!! I admire all brilliant women

[@laurapitko6404]

Thank you!!

[@virginiaflores3713]

Wish I knew this 30 years ago.

[@aromero9243]

Fact: I don't get taxed on earned interest income on my savings account :)

[@a.charlie2161]

Maybe I'm wrong but I think what she means is you don't have to pay tax on the money you earn through a life insurance whereas you or your employer has to pay tax on your earnings before you get paid into your bank account.

[@lastamericanhero59]

I'm listening tell me more......🤔🤔🤔

[@Lukenukkem]

I can't focus on anything she's saying, she's just too darn beautiful.

[@lsaez479]

Life ins - also rates are based on Age and health could get very expensive.

[@laurapitko6404]

That is true best to do it as early on as possible, but you can also set it up on another family member and still be the owner of the policy and get all the benefits that come with this strategy :)

[@skybiz4520]

Bank do not lend anything, it's against their policy to lend their assets... They "lend" you your own credit, which is fraud, because of non-disclosure.. How can you lend DEBT? hello...;)

[@alestursic961]

Every insurance company can bankrupt as well as a bank. So Idk.

[@samsciascia4004]

There is a reserve but more importantly, other carriers would be jumping at the opportunity to buy them out. The reason for it most policyholders don't keep the policy til death.

[@Chahta_healer]

She's good..... she just made a wealth robbing policy look like gold!!!! Why would I borrow my own money? Buy term and invest the difference at a Much higher rate of return between 7-12% don't believe the hype !!!!

[@chekubeazu2411]

maam please get to the point

[@nalawms8767]

❤❤❤❤