INFINITE BANKING WITH INDEXED UNIVERSAL LIFE
You might be borrowing at one rate, while your money is still in the policy potentially earning a higher rate. You can earn a spread on the money you’re borrowing, making it possible to pursue the business venture, while your money is still at work in the policy. This same “be your own banker” principle applies to other needs you might have, such as retirement income, educational expenses for your children or grandchildren, emergency funds, etc.
What is infinite banking,
and how can this concept make a difference in your financial future?
If you’re familiar with 3 Dimensional Wealth financial strategies, you’ll know one of our favorite financial vehicles is a properly structured, maximum-funded Indexed Universal Life insurance policy, or what we call an IUL LASER Fund, and you’ll also know that it’s ideal for infinite banking.
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These policies can provide powerful advantages:
• LIQUIDITY: You can access the money in your policy tax-free for retirement income, business capital, education, etc.
• SAFETY: You not only have the safety of the insurance industry (with flagship companies that have sailed through the Great Depression and Great Recession), but your principal is also protected by a 0% guaranteed floor during market downturns.
• PREDICTABLE RATES OF RETURN: Historically, IUL LASER Funds have provided 5%–10% average annual returns.
• TAX ADVANTAGES: With these policies, your money can grow tax-free, you can access your money tax-free, and upon your passing, you can transfer your money to your heirs income-tax free. • INDEXING STRATEGIES: With indexing strategies, your policy can be LINKED TO the market without your money actually being IN the market. This empowers you to benefit during market up-years and to be protected during market- down years with a 0% guaranteed floor.
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INFINITE BANKING OPPORTUNITIES - IUL LASER Funds can help you become your own banker.
Let’s look at an example of how this works: Let’s say you have a business venture coming up. You could borrow from the bank — or you can borrow from yourself. With your IUL policy, you can access capital from your policy tax-free via an Alternate Loan.
4 3DimensionalWealth.com
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