Using Whole Life Insurance to Build Wealth and Become Your Own Bank

by | Dec 24, 2023 | Fidelity IRA | 29 comments

Using Whole Life Insurance to Build Wealth and Become Your Own Bank




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I want to teach how to become your own bank.

Forget groveling to Wells Fargo when you need a home or car loan.

Don’t run to JP Morgan or Bank of America

And get on bended knee to beg for a loan to buy a business.

Take control of your life.

It’s time to start the “Bank of You”.

In this video I will explain how to harness the power of life insurance

To build real wealth.

To build your own bank.

So you can control your time and what you do with it.

And at the end of the video, it will become clear to you,

Maybe for the first time, that a clear path exists for you to become rich.

The content on this channel is for entertainment purposes only and should not be taken as financial advice. Please do your own research and consult with a financial professional before making any financial decisions. The creator of this channel does not assume any responsibility for any errors or omissions in the content….(read more)


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Whole life insurance is often seen as a way to provide financial security for your loved ones in the event of your passing. However, many people are not aware that whole life insurance can also be used as a tool for building wealth and becoming your own bank. Here’s how you can use whole life insurance to get rich and achieve financial independence.

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One of the main benefits of whole life insurance is its cash value accumulation feature. In addition to providing a death benefit, whole life insurance policies also accumulate cash value over time. This cash value grows tax-deferred and can be accessed through policy loans and withdrawals.

By consistently paying premiums into your whole life insurance policy, you are essentially building a pool of money that can be used for various financial needs. This cash value can be used to fund major life expenses such as education, home purchases, and retirement, or even as a source of emergency funds. The ability to access this cash value makes whole life insurance a valuable asset that can help you achieve financial security and prosperity.

In addition to providing a source of funds for financial needs, whole life insurance can also be used as a way to become your own bank. By utilizing the cash value of your policy, you can borrow money at a relatively low interest rate, and then use that money for investments or other opportunities that can generate a higher return. This strategy allows you to leverage the cash value of your policy to create wealth and potentially earn a greater return on your investment than the interest charged on the policy loan.

Furthermore, the cash value of a whole life insurance policy is not subject to market fluctuations, making it a stable and reliable asset. This can be particularly advantageous during economic downturns or times of market volatility, as the cash value of your policy will continue to grow regardless of market conditions.

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When used strategically, whole life insurance can be an effective tool for building wealth and achieving financial independence. By consistently paying premiums and allowing the cash value to accumulate, policyholders can create a valuable source of funds that can be accessed for various financial needs. Additionally, the ability to borrow against the policy’s cash value at a low interest rate can open up opportunities for investment and wealth creation.

In conclusion, whole life insurance can be a powerful tool for building wealth and becoming your own bank. By understanding the cash value accumulation feature and leveraging it to your advantage, you can use whole life insurance to achieve financial security and prosperity. If used wisely, whole life insurance can help you get rich and achieve financial independence.

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29 Comments

  1. @vastcore

    So many bot scam comments. Be careful of scammers.

  2. @clifforreid1816

    ♥️Thanks bud for keeping us financially Educated! Regardless of how bad it gets on the economy I still make over $38,000 every single week.

  3. @jjoutback

    What a misleading lie. Taking a loan against a 401k does not result in paying interest to anyone but yourself.

  4. @tymex.6911

    Can you take a loan toward your death benefits or just the cash value only

  5. @Anthony-zw1qb

    Buy term and create your own savings portfolio

  6. @bahijarhafiri

    In light of the ongoing global economic crisis, it is crucial for everyone to prioritize investing in diverse sources of income that are not strongly reliant on the government. This includes exploring opportunities in stocks, gold, silver, and digital currencies. Despite the challenging economic situation, it remains a favorable time to consider these investments.

  7. @That_One_Guy...

    This guy is spouting BS, insurance isn't a form of investment (that can actually give you a chance to be rich if done right), and it's not even that easy to get money back from insurance (for protection) due to how manipulative and dodging insurance agents can be.

    I would assume this guy is probably working as some kind of insurance company PR employee.

  8. @alexvig2369

    You can borrow against retirement accounts too, though.

  9. @BateserJoanne

    Getting a head start by beginning to invest early is the most effective way to build wealth, with investment taking precedence. I've learned from last year's experience that starting early allowed me to create a better life through early investments this time around.

  10. @izifaddag8221

    On XM satellite radio ads were run heavily touting a system called "Bank On Yourself". It was this exact system. In reality what it was was a way to get your details so as to offer cold call leads to insurance brokers. They in turn kicked up to the company pushing this junk. I did it for maybe 3 years until I realized what a con it was. I got stung for several thousand. The only people who won were the advertising company, the insurance salesman and the insurance company. I lost a bunch of money. DO NOT DO THIS. It is an insurance fishing trip. Look into a simple high interest savings account and you will thank me. A total BS video.

  11. @SarahTaylor_

    I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $450k gains with months, I'm really just confused at this point.

  12. @mrazcr000

    This sounds like something that will get me locked up by IRS.

  13. @User39.

    Whole life insurance is very unwise…ask Dave Ramsey…..this guy must be a whole life insurance salesman…don't let him brainwash you

  14. @RETUSAF1995

    Why don't they call it what it is, Death Insurance?

  15. @ES-gy1ti

    Whole life is not a savings program. Stop lying to people.

  16. @superwildside4585

    This is what the Rockefellers do, they never spent a dime of their own money and it was all returned.

  17. @007MegaRoll

    IRA 401K and term life insurance is for mental slaves

  18. @missmjl2468

    Whole life insurance no longer exists in Australia due to the Federal Government introducing the compulsory superannuation scheme into Australia and the introduction of compulsory super contributions from employers. Can't have us getting ahead now!

  19. @EpicNinja187

    so I should of taken 5k and invested in life insurance and borrowed off of it for investments.

  20. @Entertained45

    My dad always talked about being able to borrow 10% annually without having to pay it back but he passed away. is something like that true? My mom is old enough to do this according to him

  21. @ticktock2773

    Wait, what ? 3 percent? So worse then a saving account. Why not just keep your money in a high yield savings account at that point. Then you wouldn't have to take a loan at all because you can just move your money freely. Why would you pay interest on your own money to earn 3 percent interest rate LOL

  22. @jessevang7654

    How long do you have to have that policy though, before you can do this?

  23. @williamyejun8508

    I just 30 this year and have just under $40k in my own 401k and another $10k between my other retirement accounts. My wife has about $41k in her retirement accounts (she is not currently working). I currently make close to $63k a year. I only do 5% though to my 401k for the company match and another 10% of my income is split between an HSA and a ROTH IRA

  24. @AmeliaBBoi

    I recently inherited almost $500k. I REALLY need to make this money work for me, and not just disappear over time. All roads have pointed to the equity market of some sort which is a good idea buh where else should I put money besides the equity/stock market?

  25. @moedollars7050

    We bought a whole life policy wrapping in an investment over 20 years ago. Initially, i was paying a low monthly fee $47 because of my age. $15 goes into the policy and $32 goes into the investment. After a few years we met our surrounder value of $15k, what we paid into it. I then took some of my surrender value out as cash and left about 5k in the policy. Now my $5k surrender value, that is also invested, pays for my life insurance, and i haven't paid a dime for the policy for over 10 years. I monitor the value to make sure the investment is still working for me and so far its maintained ita value.

  26. @chrisdennis1449

    This video is garbage. Dave Ramsey has a lot to say about this topic. How about I just save my money and not have to borrow anything from anyone

  27. @philg4678

    where can you get whole life insurance policies that you can take a loan from? I cant find a good whole life policy.

  28. @RickysFarmAndHatchery

    Whole life is the biggest scam in life insurance. In fact call your agent and ask him or her… Ask them is this a legal investment account? Then ask them how much is going to your life insurance and how much is going to your cash value account. Its not a savings account if you need to pay back your own money.. Also if I give you 100 a month in 12 month is should say 1200 why does the cash value say 30 bucks or 200 all year? Where did the rest of the money go?

  29. @TheMadMax1000

    No thumbs up for repeating the phrase the BANK OF YOU.. but decent enough info.

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