Infinite Banking Mastery Valerie LaRoque

There’s been a lot of buzz around Universal Life Insurance policies. Mostly because they offer great flexibility in their premiums, and they sound great at first glance.
So you might be wondering: is this a better way to do infinite banking?
That’s what I’m talking about today on the podcast. I’ll explain what Universal Life Insurance is, and why there are several types. And I’ll tell you why I still believe whole life insurance is the way to go.
Plus, if you’ve got term life insurance you’re hoping to convert to whole life in the future: I’ll share something you need to look out for.
Listen now!
Show highlights include:
Sneaky reason insurance companies keep introducing new Universal Life policies. (1:47) How clients with Universal Life policies often end up with no cash value in their policy. And why it’s more common than you think. (3:30) Term life insurance premiums can double, triple, or more from one term to the next. Here’s what to do if it happens to you. (5:12) You can have a whole life policy and only pay for 10 years. But should you? What to consider before deciding. (10:00) Nelson Nash’s guiding principle that lets you use IBC even if you never have a bank account or insurance policy. (11:36) Shocking details lurking inside universal life policies. Great for the insurance company, but is it good for you? (12:17) What the TikTok influencers aren’t telling you about universal life. (13:54) Reach out to me:
valerie@alphaomegawealth.com
https://www.linkedin.com/in/valerie-laroque-lacp-b569509
Infinite Banking Mastery (infinitebankingnorthwest.com)

It can be hard enough to pay all your bills when you’re healthy.
What if hardship strikes and you can’t make your bills? How will you ever pay your whole life insurance premium? Is your policy doomed to lapse, or is there something you can do?
This is a question I get a lot. And today I’ll explain different options (all legal and ethical) to keep your Infinite Banking plan together when life seems to be falling apart.
Listen now!
Show highlights include:
Prime place to look for relief if your hardship comes from being unable to work. (1:15) How to borrow against your policy to pay your policy, without destroying your available cash value. (1:57) Afraid to borrow from your policy to pay the whole premium? Try this instead. (2:47) Looking for a premium discount? Hidden way to pay less. (4:36) Why missing your grace period isn’t the end of your policy…if you can clear these hurdles. (5:28) “Raise the roof” reason to fully fund your policy in year one–even if money is tight. (8:32) Why forcing yourself to play catch up in funding your policy could open the door to a tax nightmare. (9:57) Why you shouldn’t use dividends to pay your premium, even when they’re big enough to do it. (12:06) Hard truth behind Universal Life policies’ flexible premiums. They sound appealing until you know this. (14:24) Reach out to me:
valerie@alphaomegawealth.com
https://www.linkedin.com/in/valerie-laroque-lacp-b569509
Infinite Banking Mastery (infinitebankingnorthwest.com)

You like the Infinite Banking Concept, but you honestly wonder: “What company is the best for the whole life insurance I need to get started?”
It’s a question I get a lot! And even though I can’t give a cookie cutter answer, in this episode I’ll explain why that’s actually a good thing. Plus, I’ll tell you what to look for to get a great policy no matter what company you choose.
I’ll also explain the Infinite Banking decision that’s even more important than the insurance provider you pick.
Listen now!
Show highlights include:
Surprising parallels between insurance companies and world-class heart surgeons. (1:29) Avoid the confusion! There are different types of life insurance, here’s exactly why mutual life insurance is best for Infinite Banking. (5:03) What Valerie looks for in whole life policies. Good to know regardless of what agent you work with. (5:46) Ironic reason an agent who works with lots of companies won’t actually get you the best service. (6:45) Why the wrong advisor can hurt you far more than the insurance company chosen. (9:19) Reach out to me:
valerie@alphaomegawealth.com
https://www.linkedin.com/in/valerie-laroque-lacp-b569509
Infinite Banking Mastery (infinitebankingnorthwest.com)

Hypotheticals are one thing, but you want to know: “How do people actually use Infinite Banking to make their lives better?”
Today I’m answering that question the best way I know how: by filling this episode to the brim with examples of what real people have done, and are doing. 
There’s no theory or filler in here, just real world evidence of how IBC can help you handle the needs, wants, and challenges of life.
Listen now!
Show highlights include:
How to buy that house you want, even if you can’t qualify for a big enough mortgage. (1:14) Why one client was able to buy a new car without adding a dime to his monthly expenses. (2:20) Routine oil change reveals thousands of dollars in needed repairs. How IBC empowers you in this catastrophic situation. (3:39) IBC vs. College Expenses. How to win, even if you started late. (4:49) How to use Infinite Banking to upgrade your professional practice without freaking out your CPA. (5:41) Two factors that make paying off your mortgage with IBC worth it. Do they apply to you? (6:35) Overlooked benefits of using IBC to pay off personal debt. (7:33) Need these home improvements? Real home repairs and upgrades accomplished through Infinite Banking. (9:41) Why I funnel so much money through my IBC. (10:20) Little-known way your policy can save itself during financial hardship. (10:52) Reach out to me:
valerie@alphaomegawealth.com
https://www.linkedin.com/in/valerie-laroque-lacp-b569509
Infinite Banking Mastery (infinitebankingnorthwest.com)

In a world where “too good to be true” usually is, it’s easy to wonder if Infinite Banking works the way advisers like me claim.
Maybe that’s why so many people head to Google and ask “Is Infinite Banking a scam?”
In this episode I’m going to separate fact from fiction so you can see through the confusion and misrepresentations certain “experts” create around IBC.
I’ll also explain why so many qualified financial experts refuse to tell their clients about IBC, even when it could fit them perfectly.
Listen now!
Show highlights include:
What Dave Ramsey gets wrong about Infinite Banking, and why trusting him on this topic can cripple your financial plan. (1:10) Confusing IRS definition that spooks consumers away from IBC and all its advantages. (3:35) Dividend danger? Whole life insurance companies can miss a dividend, but how big is the risk really? An honest look. (7:00) Why borrowing against your whole life policy isn’t “being charged to borrow your own money,” regardless of what radio experts say. (9:14) One reason most advisors don’t promote IBC. Hint: It’s not about your best interest. (15:20) Reach out to me:
valerie@alphaomegawealth.com
https://www.linkedin.com/in/valerie-laroque-lacp-b569509Infinite Banking Mastery (infinitebankingnorthwest.com)

Now that you understand long term care coverage and why it’s so important, it’s time to talk about different ways to secure these benefits. Benefits that could be the difference between dignity and despair in the latter years of your life.
In this episode I’ll explain the basic terminology you need to know, and tell you about different options available to you.
Listen now!
Show highlights include:
Long term care coverage option that’s as easy to understand as car insurance. (1:09) Heartbreaking motive behind people dropping long term care coverage just before they need it most. (1:50) Benefit Payments 411: What they are. How they work. And the highest benefit amounts I’ve seen. (2:21) Why it’s hard to find a policy with a lifetime benefit period anymore, and what periods you can expect to find instead. (3:36) Reason John Hancock, with government approval, signed off on raising rates on existing customers. (4:29) Why common sense supports getting an inflation rider on your long term care coverage policy. (7:15) Long term care coverage that works like a bank CD? How it works explained. (12:30) Reach out to me:
valerie@alphaomegawealth.com
https://www.linkedin.com/in/valerie-laroque-lacp-b569509
Infinite Banking Mastery (infinitebankingnorthwest.com)