41 episodes

The Infinite Banking Concept® (IBC) is privatized banking, using the private, guaranteed, and permanent cash value of a whole life insurance policy as the platform. IBC puts you 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 media about personal finance.

You'll learn the multiple and varied reasons why IBC should be part of your long-term plan and why up until now this strategy has been hiding in plain sight waiting for you to discover one of the best kept secrets in financial planning.

Your hosts, John Montoya and John Perrings, are authorized IBC practitioners with the Nelson Nash Institute 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!

The Fifth Edition podcast is our way to explain the IBC strategy in simple terms so you can make it real in your life!

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

    • Education
    • 4.7 • 18 Ratings

The Infinite Banking Concept® (IBC) is privatized banking, using the private, guaranteed, and permanent cash value of a whole life insurance policy as the platform. IBC puts you 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 media about personal finance.

You'll learn the multiple and varied reasons why IBC should be part of your long-term plan and why up until now this strategy has been hiding in plain sight waiting for you to discover one of the best kept secrets in financial planning.

Your hosts, John Montoya and John Perrings, are authorized IBC practitioners with the Nelson Nash Institute 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!

The Fifth Edition podcast is our way to explain the IBC strategy in simple terms so you can make it real in your life!

    What Is Different About the New Whole Life Products?

    What Is Different About the New Whole Life Products?

    At the end of last year, December 2020, Congress passed the Consolidated Appropriations Act. In addition to its many stimulus measures, it contained a provision that affects permanent life insurance products like the ones we endorse for Infinite Banking.
    Has anything changed or do the principles of IBC remain the same? Take a listen and find out.
    And remember the best time to start IBC is 20 years ago but the second best time is today!
    To schedule a consultation to start your Infinite Banking journey, please visit us at https://thefifthedition.com/ (https://TheFifthEdition.com).
    And if you haven’t yet read it, be sure to pick up a copy of https://infinitebanking.org/product/becoming-your-own-banker/ (Becoming Your Own Banker) directly from the Nelson Nash Institute.

    • 13 min
    Policy Design: Rate of Return vs. IBC Based Principles

    Policy Design: Rate of Return vs. IBC Based Principles

    One of the classic mistakes people make before deciding to implement Infinite Banking is focusing on the cash value growth. We encounter it all the time. As Nelson would say, "You're majoring in the minors!"
    Though it is initially a challenge getting beyond the "rate of return" mindset that we have been taught by Wall Street, as you learn more about The Infinite Banking Concept you'll start to realize there's so much more value and benefits to IBC beyond the yield Whole Life policies generate.
    In this episode we'll discuss what life insurance, as an asset class, should be compared to and help you see the bigger picture about the use of your Infinite Banking cash values.
    Take a listen, let us know what questions you have, or even schedule a consultation to start your Infinite Banking journey at https://TheFifthEdition.com (https://TheFifthEdition.com).
    And if you haven’t yet read it, be sure to pick up a copy of https://infinitebanking.org/product/becoming-your-own-banker/ (Becoming Your Own Banker) directly from the Nelson Nash Institute.

    • 21 min
    Shopping For The Money

    Shopping For The Money

    One of the best ways to ensure we maximize the Infinite Banking strategy is by understanding when we should take policy loans. This is a little discussed topic but it's a topic you should be up to speed on.
    Just because we have access to cash values doesn't mean we should always use policy loans.
    In this episode we'll discuss the idea of "shopping" for money, our 5 Rules of Thumb, and why this topic is so important. We'll also talk about different examples to help you better understand when best to take policy loans and we'll even touch on whether or not policies loans help grow cash values.
    Take a listen, let us know what questions you have, or even book a consultation to start your Infinite Banking journey at https://my.captivate.fm/www.TheFifthEdition.com (www.TheFifthEdition.com).

    • 18 min
    Guaranteed and Non-Guaranteed Cash Values

    Guaranteed and Non-Guaranteed Cash Values

    If you're really wanting to better understand Infinite Banking, this is an important episode for you to bookmark and re-visit even in the future. In this episode we discuss Guaranteed and Non-Guaranteed Cash Values and why each is important to the process of Becoming Your Own Banker!
    We'll also delve into understanding how contracts differ from investments (and therefore how IBC is different from investing) and how contractual wealth differs from statement wealth.
    Take a listen, let us know what questions you have, or even book a consultation to start your Infinite Banking journey at www.TheFifthEdition.com.
    And if you haven’t yet read it, be sure to pick up a copy of https://infinitebanking.org/product/becoming-your-own-banker/ (Becoming Your Own Banker) directly from the Nelson Nash Institute.

    • 26 min
    Why Universal Life is NOT Right For IBC®

    Why Universal Life is NOT Right For IBC®

    In this episode we discuss Universal Life policies and why the Nelson Nash Institute advocates for Whole Life, and specifically not Universal Life, when implementing The Infinite Banking Concept®.
    We'll cover the pro's and con's of Universal policies, including what most advisors will never tell you when selling any of the 3 types of Universal policies. And we'll discuss the proverbial "fork in the road" that forces you to make a difficult choice in the later years of a Universal policy.
    This is important information for you and your family so take a listen.
    If you have questions about your existing life insurance and/or you are looking to get started with Infinite Banking, connect with the hosts at https://TheFifthEdition.com (https://TheFifthEdition.com).

    • 37 min
    Infinite Banking as a Financial Bridge

    Infinite Banking as a Financial Bridge

    In this episode we discuss how Infinite Banking provides the rare financial solution to marry the investment world (401k/mutual funds) with the life insurance solutions (IBC designed Whole Life) to create a more efficient financial plan that produces better results than an all market-based approach by itself.
    Most advisors, the media, and ultimately the public at large have been sold on the idea that one way of thinking is better than the other. We'll hit on the major talking points like commissions, fees, what means it to be a fiduciary, and why Infinite Banking allows you the opportunity to bridge both Wall Street and the Life Insurance industry to create better outcomes.
    If you have questions or would like to learn how you can implement Infinite Banking into your overall financial plan, you can connect with the hosts at www.TheFifthEdition.com .

    • 34 min

Customer Reviews

4.7 out of 5
18 Ratings

18 Ratings

DJ Krazy Legz!!!! What!!! ,

It’s real

Finally some real tangible and direct information through credible practitioners. This show has given me confidence in this system. These guys break it down and truly give you the right information you need to know about this concept. I am fully bought in to this system after listening to this show.

Kailiawa ,

Great stuff

Loving this podcast series; I have a starter policy so this is great way to keep me “fresh” especially when sharing the concept with friends and family as well as keeping the more advanced concepts in “sight” for when I’m ready to take the next step!

Drace1 ,

A MUST LISTEN IN IBC!

John & John have created an exceptional podcast diving into a topic which is typically difficult to understand by yourself. They do an excellent job of staying on topic, on point, and explaining the concepts of IBC in a very easy to understand manner.

I listen to the Lara Murphy podcast and have subscribed to this podcast as it’s up there with must listens from IBC practitioners/educators. Looking forward to continued content. Keep up the excellent work.

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