Strategic Whole Life by Infinite Banking Authorized Practitioners

John Montoya, John D. Perrings
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Strategic Whole Life by Infinite Banking Authorized Practitioners Podcast

The Infinite Banking Concept® (IBC) is privatized banking, using the cash value of a whole life insurance policy as the platform. Your hosts, John Montoya and John Perrings, are authorized IBC practitioners with the Nelson Nash Institute, dedicated to educating consumers about Infinite Banking. Listening to this podcast, you'll learn about life insurance, cash value, dividends, policy loans, policy design, and more. Most importantly, you'll learn how IBC puts you back in control of your money so you can keep it, grow it, and pass it on without taking any of the unnecessary risks that you otherwise get when you listen and follow the mainstream advice about personal finance. The Strategic Whole Life podcast is our way to carry on Nelson's mission by explaining The Infinite Banking Concept® in simple terms so that you can make it real in your life!

  1. 118: The Math Proving Whole Life Insurance Returns

    26 AUG

    118: The Math Proving Whole Life Insurance Returns

    Out of all the misunderstandings about whole life insurance, the idea that it gets a "terrible rate of return" is probably the most common. But is it true? Tune in and, if you can, watch this one on video. I'm going to get out the Truth Concepts calculator and prove to you that whole life gets exceptional growth, compared to other assets, when you know how to compare capital equivalent value. ---- EPISODE HIGHLIGHTS: 00:15 Debunking Myths About Whole Life Insurance 01:04 Recommended Reading for Whole Life Insurance 01:52 Understanding Whole Life Insurance Rate of Return 03:26 Using the Truth Concepts Calculator 05:10 Comparing Whole Life Insurance to Other Assets 09:16 The Value of Permanent Life Insurance ---- LINKS: SCHEDULE A CONSULTATION https://www.strategicwholelife.com/p/... Online Course: IBC MASTERY https://www.stackedlife.com/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 from 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 Silicon Valley's startup world, 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! https://www.strategicwholelife.com/p/... ---- 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: IBC MASTERY: https://www.stackedlife.com/ibc-mastery

    18 min
  2. 117: The Financial Planning Bubble

    16 AUG

    117: The Financial Planning Bubble

    A financial mania is when everyone is clamoring to buy the same thing at the same time at any price. Isn't that exactly what the typical financial planning advice has us do? Just about everyone you know is, right now and for the last twenty years, plowing dollar after dollar into an index fund tracking the S&P500, mutual funds, etc. And the only information we have about this investment strategy is changing variables. What about this precisely is a "financial plan?" Tune in to learn about how principles beat variables every time. ---- EPISODE HIGHLIGHTS: 00:18 What is a Mania or Bubble 01:03 Typical Financial Planning 03:46 The Problem with Average Rates of Return 04:44 The Uncertainty in Financial Planning 06:57 Planning Principles, not Variables 07:48 Accumulation + Distribution Assets 11:09 Strategies for Retirement Income 13:31 The Best Part is IBC Comes Attached Automatically ---- LINKS: SCHEDULE A CONSULTATION https://www.strategicwholelife.com/p/contact/ Online Course: IBC MASTERY https://www.stackedlife.com/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 from 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 Silicon Valley's startup world, 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! https://www.strategicwholelife.com/p/contact/ ---- 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: IBC MASTERY: https://www.stackedlife.com/ibc-mastery

    20 min
  3. 116: How Whole Life Insurance is Predictable and Flexible

    9 AUG

    116: How Whole Life Insurance is Predictable and Flexible

    A common misconception about whole life insurance is that you're locked into paying a big premium forever. In this episode, we'll discuss all the ways this is not true, especially when buying a policy designed for The Infinite Banking Concept, which most often uses the Paid-Up Additions Rider. Certainty has a true economic value, and the predictability of a whole life premium over decades is a true financial boon. Tune in to learn all about it! ---- EPISODE HIGHLIGHTS: 02:21 Comparing Whole Life to Other Insurances 09:10 Flexibility offered by the PUA Rider 18:44 Billing Modes and Payment Strategies 24:36 Options for Managing Premium Payments ---- LINKS: SCHEDULE A CONSULTATION https://www.strategicwholelife.com/p/contact/ Online Course: IBC MASTERY https://www.stackedlife.com/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 from 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 Silicon Valley's startup world, 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! https://www.strategicwholelife.com/p/contact/ ---- 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: IBC MASTERY: https://www.stackedlife.com/ibc-mastery

    28 min
  4. 115: Infinite Banking For Every Stage of Life

    2 AUG

    115: Infinite Banking For Every Stage of Life

    Follow us through time as we talk about how The Infinite Banking Concept can make a difference in your financial life at every stage of life. We talk about IBC in our 20s, 30s, 40s, 50s, 60s, and 70s and beyond. It's not called "Whole Life" insurance for nothing! Tune in... ---- EPISODE HIGHLIGHTS: 02:26 Starting Infinite Banking in Your 20s 08:05 Building Wealth in Your 30s 12:34 Maximizing Financial Strategies in Your 40s 15:09 Financial Planning in Your 50s 19:40 Preparing for Retirement in Your 60s 29:00 Estate Planning and Legacy in Your 70s 31:36 Conclusion and Further Resources ---- LINKS: SCHEDULE A CONSULTATION https://www.strategicwholelife.com/p/contact/ Online Course: IBC MASTERY https://www.stackedlife.com/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 from 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 Silicon Valley's startup world, 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! https://www.strategicwholelife.com/p/contact/ ---- 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: IBC MASTERY: https://www.stackedlife.com/ibc-mastery

    33 min
  5. 114: What is a Premium Deposit Fund?

    26 JUL

    114: What is a Premium Deposit Fund?

    In this episode, John Montoya explains the ins and outs of premium deposit funds. If you've ever wondered about one of the ways to pay for whole life insurance with a single lump sum, tune in to this short and sweet episode for everything you need to know about premium deposit funds. ---- EPISODE HIGHLIGHTS: 00:43 Advantages of Premium Deposit Funds 04:35 Considerations and Setup 05:58 Flexibility and Convenience ---- LINKS: SCHEDULE A CONSULTATION https://www.strategicwholelife.com/p/contact/ Online Course: IBC MASTERY https://www.stackedlife.com/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 from 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 Silicon Valley's startup world, 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! https://www.strategicwholelife.com/p/contact/ ---- 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: IBC MASTERY: https://www.stackedlife.com/ibc-mastery

    9 min
  6. 113: What Term Insurance REALLY Costs You

    19 JUL

    113: What Term Insurance REALLY Costs You

    When comparing term insurance costs to whole life insurance, you can't use grade school math and add up the premiums paid over time. With money, we must use financial math to account for the time variable. When we do that, the numbers tell a much different story than what the "buy term, invest the difference" people tell. The true cost of term insurance could be tens of millions or more! Join us today as we once again examine some numbers to reveal the truth about what term insurance really costs. ---- EPISODE HIGHLIGHTS: 00:53 Understanding Asset Classes 01:39 Term Insurance vs. Whole Life Insurance 04:18 Cost Analysis: Math vs. Financial Math 06:30 Graphical Illustration of Costs 10:50 Generational Impact of Term Insurance ---- 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 from 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 Silicon Valley's startup world, 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: IBC MASTERY

    16 min
  7. 112: 31 Things to Know About Whole Life Insurance

    12 JUL

    112: 31 Things to Know About Whole Life Insurance

    John Montoya covers 31 insights he devised about the importance of whole life insurance. This is a detailed list of observations, ranging from whole life's historical significance and tax advantages to its role in financial independence, the banking function, and family security. There really is no other asset like whole life insurance! Tune in... ---- EPISODE HIGHLIGHTS: 00:21 The Motivation Behind This Episode 00:57 31 Key Insights About Whole Life Insurance 05:36 The Philosophy and Impact of Whole Life Insurance 11:40 Avoiding "Arrival Syndrome" 17:26 Encouragement and Final Thoughts ---- 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 from 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 Silicon Valley's startup world, 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: IBC MASTERY

    19 min
  8. 111: The Real Costs of Term vs. Whole Life Insurance

    5 JUL

    111: The Real Costs of Term vs. Whole Life Insurance

    When comparing the costs of term life insurance vs whole life insurance, we can't just compare the premium prices and call it a day. Because whole life insurance is an asset that builds equity, not all premiums are a true cost like they are with term insurance. In this episode, we break down the math and provide a real, apples-to-apples comparison of the true costs of term vs. whole life. Check it out! ---- EPISODE HIGHLIGHTS: 00:20 Term vs. Whole Life Insurance 01:11 The Math Behind Insurance Costs 04:00 Term Insurance Risks 06:29 Whole Life Insurance Builds Equity 12:55 Real Client Example: Cost Analysis 18:41 The Unseen Costs of Term Insurance ---- 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 from 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 Silicon Valley's startup world, 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: IBC MASTERY

    23 min
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About

The Infinite Banking Concept® (IBC) is privatized banking, using the cash value of a whole life insurance policy as the platform. Your hosts, John Montoya and John Perrings, are authorized IBC practitioners with the Nelson Nash Institute, dedicated to educating consumers about Infinite Banking. Listening to this podcast, you'll learn about life insurance, cash value, dividends, policy loans, policy design, and more. Most importantly, you'll learn how IBC puts you back in control of your money so you can keep it, grow it, and pass it on without taking any of the unnecessary risks that you otherwise get when you listen and follow the mainstream advice about personal finance. The Strategic Whole Life podcast is our way to carry on Nelson's mission by explaining The Infinite Banking Concept® in simple terms so that you can make it real in your life!

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