The Fifth Edition by Infinite Banking Authorized Practitioners John Montoya, John D. Perrings

Main Episode Description
In this insightful episode, John Montoya discusses one of the more nuanced elements of Whole Life Insurance: policy loan interest.
Often overlooked, understanding this component is crucial for those practicing the Infinite Banking Concept ™.
We start with a simple truth: There is no such thing as a free lunch!
John unravels how policy loan interest is calculated and sheds light on the importance of being an 'honest banker'. Questions arise: Should you always lean on policy loans? If so, how should they be paid back? And what about paying "extra" interest?
This episode is not just about understanding the charges but also about mastering the art of cash flow and ensuring all parties—policyholders and insurers alike—remain profitable. Whether you're a seasoned Infinite Banker or new to the world of Whole Life Insurance, this is an essential guide to ensuring your policy works optimally for you.
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LINKS:
Get in touch: SCHEDULE A CONSULTATION
Online Course: IBC MASTERY
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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.
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Connect with us
Get in touch if you'd like to see how to apply these principles to your specific situation. Schedule a free, no-obligation 30 minute consultation with us today!
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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

Main Episode Description
Dive into a profound conversation with a titan of the life insurance world, Trent Fortner, whose 35-year career has spanned from being a multi-million dollar producer to shaping the next generation of life insurance agents as a distinguished business coach.
In this episode:
Software Revolution: Explore the seismic shift brought by financial software systems, transforming how clients perceive the value of whole life insurance amidst their comprehensive financial landscape.Historic Gaze: A look back at the era when agents heavily relied on "capital needs analysis," resulting in a flurry of term insurance sales. Trent discusses the overlooked nuances of Human Economic Value and positions whole life insurance as a unique asset class.Infinite Banking Insights: Trent reminisces about his engagements with the legendary Nelson Nash. From seminars to personal interactions, he paints a picture of Nelson's candid nature and deep-rooted commitment to helping people regain control over their financial lives.Information Overload: With consumers drowning in an avalanche of often contradictory information, largely propelled by the financial industry itself, Trent helps cut through some of the noise, offering clarity and perspective.Blueprint for Success: For the financial professionals out there, Trent shares invaluable advice and actionable steps to craft a thriving and sustainable practice in today's competitive environment.
Join us for this enlightening episode as we navigate the evolving landscape of life insurance and financial planning, armed with Trent Fortner's decades of wisdom and experience.
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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 if you'd like to see how to apply these principles to your specific 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®.
A soup-to-nuts online course. Get everything you need to know about IBC and whole life insurance:
IBC MASTERY

Main Episode Description
In this episode, we are honored to be joined by David Stearns, Director of the Nelson Nash Institute (NNI). The NNI was started by R. Nelson Nash, the founder and creator of The Infinite Banking Concept ™. Lean more about the official home of IBC at InfiniteBanking.org.
David Stearns is not only the Director of the NNI, but he's also Nelson Nash's son-in-law. He's been there from the beginning of the creation of IBC.
So, tune in to this great discussion, where we learn some of the history of IBC. How and when it got it got started, and most importantly, why it got started.
We'll get into IBC principles around whole life policy design and why this topic needs to center around the individual policy owner.
We'll also discuss the fact that the NNI is primarily an educational organization, not a sales organization.
The NNI is focused on building a network of advisors (Authorized Infinite Banking Practitioners) who are aligned and dedicated to protecting and propagating Nelson Nash's vision. The mission is to help individuals regain control over their financial lives by "Becoming Your Own Banker."
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GET IN TOUCH
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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 if you'd like to see how to apply these principles to your specific 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®.
Use the code "PODCAST" to get 50% off of our soup-to-nuts online course to get everything you need to know about IBC and whole life insurance:
IBC MASTERY
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Stop wasting hours on YouTube, trying to piece together the information you want regarding The Infinite Banking Concept®.
Use the code "PODCAST" to get 50% off of our soup-to-nuts online course to get everything you need to know about IBC and whole life insurance:
IBC MASTERY
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Main Episode Description
In this profound episode, we journey into the very heart(!) of The Infinite Banking Concept (IBC) to explore not just the 'how', but, more importantly, the 'why'. Implementing IBC isn't just about buying a whole life insurance policy—it's about taking control of your financial life.
Listen as we dive deep into the motivations that fuel the journey:
The realization that our existing financial system is inherently flawed, leading to unintentional theft of your time, effort, and hard-earned money.Moral convictions that challenge the status quo of governmental practices, which, through inflation, unfairly transfer wealth.The timeless lessons from our ancestors about the importance of saving and leaving behind a legacy.Strategies to protect multiple future generations, ensuring they benefit from your financial foresight.The aspiration to build a rock-solid financial base, ready to tackle any of life's uncertainties.A peek into the unmatched benefits of uninterrupted compounding, risk minimization, and the allure of owning more assets.And lastly, understanding that money, being a placeholder of value must be placed where its impact is maximized.
Join us as we unpack the philosophy and strategy behind IBC, encouraging you to find your own 'why' and truly "become your own banker."
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GET IN TOUCH
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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 if you'd like to see how to apply these principles to your specific situation. Schedule a free, no-obligation 30 minute consultation with us today!

Stop wasting hours on YouTube, trying to piece together the information you want regarding The Infinite Banking Concept®.
Use the code "PODCAST" to get 50% off of our soup-to-nuts online course to get everything you need to know about IBC and whole life insurance:
IBC MASTERY
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Main Episode Description
You may ask yourself, "Am I ready to become my own banker?"
To help answer this question, we'll use the old adage: "The best time to plant a tree was 30 years ago. The second-best time is today."
With the Infinite Banking Concept®, we are taking control of the banking function. It's that simple. And if it's that simple, would you want to put it off for a while, or would you want to implement it as quickly as possible?
This is the conversation in today's episode. We'll talk about three factors that affect the timing of when you might start a whole life insurance policy:
Underwriting and qualificationYour financial situationDoing your due diligence
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Episode Highlights:
0:00 Intro
3:43 Shouldn't you at least find out what you can get?
4:47 What if you smoke? Should you put it off till you quit?
7:08 What if you're pregnant?
7:41 Reclassifying minors when they turn 18
10:18 Looking at your financial situation
15:24 A discussion on minimum premium
20:07 Education and Mindset
24:35 The proof is in the pudding
Wrap Up
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GET IN TOUCH
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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 if you'd like to see how to apply these principles to your specific situation. Schedule a free, no-obligation 30 minute consultation with us today!

Stop wasting hours on YouTube, trying to piece together the information you want regarding The Infinite Banking Concept®.
Use the code "PODCAST" to get 50% off of our soup-to-nuts online course to get everything you need to know about IBC and whole life insurance:
IBC MASTERY
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Main Episode Description
Like everything else in life, when it comes to buying life insurance, there are optimal ways to evaluate your choices and suboptimal ways.
In this episode, we address the fact that to optimally buy life insurance; we must understand that life insurance fits inside a bigger financial picture. It's not always about paying the "cheapest" premiums.
With several newer companies marketing the benefits of "cheap" term life insurance with minimal underwriting, reinforcing the knowledge that we need more than just a hammer in our toolbox is more important than ever.
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Episode Highlights:
0:00 Intro
1:38 No shame! It's good to have life insurance
2:03 Sales systems
6:19 Reminds me of the dotcom boom
7:46 Cost vs. Price
9:26 Commodity-based selling and Economic time preference
15:24 To a client: "Do you want to be strategic or not?"
16:41 A peaceful existence
19:22 Your financial plan can't stop just because you turned 65
21:07 Finding a good life insurance agent
23:44 Commoditization of life insurance by way of policy design
29:26 Integrity of Agents and Companies
Wrap Up
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GET IN TOUCH
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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 if you'd like to see how to apply these principles to your specific situation. Schedule a free, no-obligation 30 minute consultation with us today!