Loans

Episode 206: Bank on Yourself® Type Whole Life Insurance Policy Loans vs. Everything Else, Round Two

August 13, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

Have you heard the first episode in this series, Episode 205?
Which is better: a 401(k) loan or a whole life insurance policy loan?
How many of 401(k) investors have an outstanding loan?
Should the 401(k) loan be the first choice or the last choice?
What is the process for getting a 401(k) loan?
What are the 13 steps?
How long does it take to get a 401(k) loan?
What happens with a whole life insurance policy loan?
What are the limits?
What can you use the money for?
What do the proponents of the 401(k) loan say?
Are 401(k) loans a taxable event?
Are taxes due?
How will you be repaying that 401(k) loan?
Will you pay taxes twice?
What’s your bracket?
Have you seen the show notes on Episode 110?
What happens if you borrow from your 401(k) and you lose your job?
How fast must you repay that loan?
What about taxes and penalties?
What are the required repayment plans?
What about a home equity line of credit (HELOC)?
What about tapping into the equity of your house?
What about the requirement of making regular payments?
What about pledging your home as collateral?
What about a higher interest rate?
What about HELOC vs. whole life insurance policy loan?
Is the house value guaranteed to grow?
Are whole life insurance cash values guaranteed to grow?
Could you lose your home if you don’t pay off the HELOC?
What is collateral in a whole life insurance policy?
What about a court judgment?
What about credit ratings?
Can a banker call your HELOC?
What is the fine print in the HELOC?
Can you count on the HELOC?
Is it possible to default on a whole life insurance policy loan?
What happens when the loan value is the same as the cash value?
How might you avoid policy lapse?
What happens to the death benefit on a whole life insurance policy that has unpaid loans?
Would you like to hear Episode 203?
What about loaning from a brokerage account?
What is a margin loan?
Can the broker call the margin loan?
What about locking in losses?
What is liquid?
Is there a repayment schedule on whole life insurance policy loans?
What did Mark Twain say?
What about life insurance loans vs. whole life insurance loans?
Can you borrow from a term insurance policy?
What about universal life insurance?
Would you like to hear Episode 59? Episode 60? Episode 61?
What about the monthly costs on universal life (UL) and indexed universal life (IUL) policies?
What significant changes happen in these policies?
What are the risks to taking loans on a IUL or UL policies?
What happens when closing IUL or UL policies?
What are the tax consequences?
What about variable life policy loans?
What are the risks?
Will the policy lapse?
What about the phantom income?
What about the moving parts?
Why are whole life insurance policy loans so much safer?
What is on the insurance company’s shoulders?
What about the guarantees?
What is not guaranteed?
Can the insurance company change the costs on the policy?
What about annual cash value increases?
What about the death benefit?
What about the premiums?
What about the dividend paying whole life insurance policy?
How might dividends make the situation even better?
Who does the dividend benefit?
What about minimum guarantees?
Is a Bank on Yourself® whole life insurance policy part of your overall strategy?
What about the death benefit?
What about the living benefits?
What about the loan feature?
What about tax advantages?
What about security?
What about guaranteed growth?
Would you like a 15-minute meeting with Mark?

Episode 205: Bank on Yourself® Type Whole Life Insurance Policy Loans vs. Everything Else, Round One

August 6, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

Have you subscribed to this podcast yet?
What did Patrick Henry say?
Does where you keep money matter?
Does where you keep your debt matter?
What happens when you are in debt?
How many Americans carry credit card debt?
What about all other types of debt?
What did the Federal Reserve study say?
What is the relationship between debt and income?
What about two years of indentured servitude?
How does that make you feel?
What about being debt free?
What about suffering?
What about depression and anger?
What did Dr. John Gathergood of the University of Nottingham study?
What about spending habits?
What about arguments about money as the top predictor of divorce, according to Sonya Britt, assistant professor of family studies at Kansas State University?
What about paying interest to a bank?
What about earning interest?
What about buying a car?
How much will you save?
What about earning interest?
What do you have to show for the money?
What about paying cash?
What about your future self?
How does one avoid this problem?
How does financing really work?
Are all forms of borrowing created equal?
What are the advantages?
What are the risks?
What are the considerations for buying a big ticket item?
What about a major expense?
What are the three things to consider when getting a “regular” loan?
- What about the speed?
- What about the interest rate?
- What about the flexibility of repayment?
What are the three ways to pay for a big ticket item?
- What about paying cash?
- What about financing?
- What about leasing?
What about making large purchases through Bank on Yourself® Type Whole Life Insurance Policy loans?
How do they work?
- How much do you want to borrow?
- Where do you want the insurance company to send the money?
- How many days does it take?
What about compounding interest?
How does taking a loan affect cash values?
What about an example?
What about uninterrupted compound growth?
Where does the policy loan money come from?
Does the money leave your policy?
What about the insurance company’s general fund?
Where do the loan payments go?
How does the policy grow?
Are you using your cash value as collateral?
What is a non-direct recognition loan?
What companies offer this feature?
What are the companies that have limits?
Would you like to meet with Mark to discuss your situation?
Can your money be doing two things at once?
How simple is it to get the money out?
How about uninterrupted compounding?
How about flexibility in repayments?
Are you in charge of how the loan gets repaid (or if it gets repaid)?
What happens if the loan doesn’t get repaid?
Who gets the reduced death benefit?
How are these loans different from every other loan?
What about dividends being based on the profits?
What is a mutual insurance company?
Who is a shareholder?
What about an example?
Who would benefit from the mortgage payments that you would be making each month?
What about the growth on an outstanding loan balance?
What are some strategies you may discuss with an authorized advisor?
What about lease arrangements?
What about having a credit check?
Can you be turned down for a policy loan?
What is a typical APR on a policy loan?
What about growth and compound interest?
What is the time table for policy loan repayments?
What about the flexibility?
What about setting up loan repayments, as you need to?
What about accumulation?
What about paying down interest only on an annual basis?
What about taking policy loans for retirement?
Who is in the driver seat?
What happens when a curve ball hits?
What about continued growth of cash value?
What about paying cash?
What happens when one takes a loan from a universal life insurance policy?
What about opportunity cost?
How do you solve the problem of continuously interrupting the growth of your money?
How can this help you eliminate bank financing?
What about other types of loans? Stay tuned!
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Episode 203: What If I Can’t Pay the Premiums?

July 23, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

When did you start something really big?
What are the options?
What is the myth?
What are the strategies?
How is whole life insurance like a mortgage?
What about bills?
How is whole life insurance like real estate?
What about savings?
How can this benefit you in good times?
What happens if… ?
What if you hit hard times?
Are you able to lower your premium payment?
How is that possible?
What about the paid up additions?
Are paid up additions considered optional?
What about “catching up”?
What about annual premium?
What if the business falls on hard times?
What are the minimums?
What are the smaller monthly possibilities?
What about a premium offset?
What about surrounding Paid-Up Additions (PUAs) to pay premium?
What about the death benefit dropping?
How does one pay the premium with a policy loan?
What is the key difference between loans and surrender?
What about an automatic loan provision to pay premium?
Would you like to work on your situation with us? Schedule
What about dividends?
What are the dividend options?
What about the dividends paying premiums?
What are the nuances?
What about the reduced paid up option?
What are the benefits? What are the risks?
What happens to a reduced paid up (RPU) policy?
What about the irreversibility of RPU?
What about surrender and cashing out the policy?
Why is this technically possible?
What are the risks?
Why would people choose RPU instead?
What about a permanent policy?
What about buying extended term insurance?
What about an example?
What about limited pay policies?
What are the benefits?
What are some examples?
What about shorter premium payments?
What about longer premium payments?
What about the option to add money in the future?
Are you ready for rainy days?

Episode 199: Buy. Borrow. Die. …Pay Zero in Tax?

June 25, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

How do the .001% navigate their taxes legally?
What about the ProPublica report?
How do they legally pay a tiny fraction of their fortunes in taxes?
What was your reaction to this news?
As your income rises, do you pay more in taxes?
Under current law, what is the highest tax bracket?
What do the ultra high net worth pay?
How is wealth different from income?
What will you pay in tax?
What about loans?
What about paying back loans?
What about collateral?
Do you have a pen and paper?
What about buying assets?
What about a home?
Does your house have an ATM attached?
When do you pay tax on an asset?
What about borrowing money?
Do you pay a tax when you borrow?
What are the tax advantages of debt?
What about interest?
What happens to wealth at death (when you die)?
What about tax on death benefits for life insurance?
What is the big divide?
What about the asset side?
What’s the caveat?
What happened in 2013?
What about buying with after tax dollars?
What about the step-up in basis?
What about the $1 salary?
What about Bank on Yourself®?
What is premium?
What is cash value?
What is death benefit?
What about buying premium?
What about borrowing cash value?
What about when you die, giving your death benefit to your beneficiary?
What about tax with life insurance?
What about strategies like bonus depreciation?
What about rental income?
What about not issuing dividends?
What about dividends in life insurance?
What is a refund of premium?
What about the option for purchasing PUAs with dividends?
Are you able to receive the dividend as a check?
When will tax be due?
What grows forever?
When do markets crash?
What about the generosity of a banker?
What if stocks go down?
What about living on stocks?
What about a margin call?
Could you come up with the money you need?
What about the cost of borrowing against the assets?
What about liquidating?
What about fixed income assets?
What about improvement of projections?
What happens if interest rates rise?
What about building up significant cash value?
What about income tax?
What about estate tax?
Who needs a trust?
Who needs an attorney?
What is the estate tax threshold under current law?
What reduces the death benefit?
What happens with unpaid policy loans?
Are death benefits taxable?
Are gains taxable?
What about an example?
What questions do you have?
What about beneficiaries?
What about teaching your children?
What about Mark’s mom?
Would you like to meet with Mark Willis, CFP® to discuss your specifics?

The topics presented in this podcast are for general information only and not for the purposes of providing legal, accounting or investing advice.

On such tax matters, please consult a CPA professional who knows your specific situation.

Episode 193: The 8 Biggest Mistakes You Make When You Bank On Yourself® with Jim Conrad

May 14, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

Is it possible to mess up a Bank on Yourself® type whole life insurance policy?
Is it possible to mess up a microwave?
Would you like to ask your own questions?
Would you like to join us on the Not Your Average Financial Community?
Who is Jim Conrad?
What about a high level overview?
What are Jim’s rules to live by if you’re banking on yourself?
What gets better every year, guaranteed?
Is there such thing as paying too much premium?
What about paying as much premium as you can for as long as you can?
What about the first seven years of a policy?
Is paying premium a burden?
What about stopping?
Do you want to build wealth reliably?
Should you always use your own capital?
Why would I want to borrow from my own policy if I can get a better rate down the street?
Do you need to finance a new vehicle?
Do you need to invest in real estate?
What about paid up additions premium?
How will your dollars grow?
Why would you want to save money in someone else’s bank?
Can you enrich yourself and the bankers?
What’s the biggest building in Charlotte?
What happens when you pay interest?
What about policy loans?
Do policy loans take experience?
How much does one need to pay back on the loan?
Will an insurer take your car or house away?
Whose in charge of their cash value?
Who manages the cash value?
What’s a reasonable time frame to pay back a policy loan?
Do you want to pay premium first and then loan payments?
Are interest rates really important?
What’s the best return?
What questions do you have?
What about using other people’s money?
What about using your own cash value to make purchases?
What about arbitrage?
What about credit cards and discipline?
What are the risks?
What about paying premium out of cashflow and savings?
Why did Jim write these rules to be timeless?
What about credit union loans?
How does privatized banking work?
How much can a bank lend out?
How much does a bank have to keep on hand?
Would you like to eliminate bankers from your life?
How can the bank make so much interest?
What about low or no interest loans?
Do you need to borrow more capital than you have in your policies?
What about closing that window?
What about feathering the clutch?
What about uninterrupted compound interest?
What about retirement?
What happens if your goals change?
Are you creating income for life with whole life insurance?
When do most people stop paying premium?
What about premium offset?
What about paying your loans back?
How might you maximize your lifetime income?
How might you pay back your policy loans before you retire?
What is the best practice?
What about using your own capital to buy points on a mortgage?
Who keeps a mortgage for 30 years?
What about refinancing?
What about moving?
Does it make sense?
What about the book How Privatized Banking Really Works?
How might you use your own capital?
What about the volume of debt?
How much skin in the game does the bank really have?
What were the reserve requirements in 2008?
How might you build up and use your own capital?
Why favor paying premium over paying back loans quickly?
What does one do when they run out of wiggle room in a policy?
What about timing?
How might one completely replace banks?
How might one do the banking at the “me and you” level?
What about checking accounts?
Would you like to join our membership site?

Jim Conrad, the President of Conrad Financial Services, resides with his wife, Deb, in Concord, North Carolina. Jim started working for his clients in financial services 20 years ago, after a 25-year career in management with a Fortune Top 10 company. He grew up in the Chicago suburbs, and he holds a B.S. in chemical engineering from Purdue University and an MBA from Lewis University.

Jim has been a Bank On Yourself Authorized Advisor for the past 13 years. His passion is helping people achieve financial peace of mind by owning a strategy they can count on for life.

Episode 190: The Ninja Belts of Bank on Yourself®

April 23, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

What strategies are you excited about?
What about being a newbie?
Would you like to hear a ninja belt metaphor?
What is the white belt?
What about saving from cash flow?
What about monthly premiums?
What do you learn in karate?
How many moves are you making in your monthly budget to up your cashflow?
What about the fundamentals?
What about “back to the basics”?
What is the orange belt?
What about a lump sum along with monthly premiums?
What about windfalls?
What about bonuses?
What advantages come with a paid up additions rider?
What about repositioning?
What is a 1035 exchange?
What about universal life policies?
What about the red belt?
What about annual premiums?
How does this benefit business owners?
What about annual windfalls?
What about an annual surge in sales?
What about multiyear projects?
What about solving several problems?
What about passing on savings?
What about the yellow belt?
What about the intention behind starting?
What about other people?
What about lines of credit for business?
Can you have multiple policies on yourself?
What are the most important assets in your life?
What about the green belt?
What about real estate?
What about business inventory?
What is life insurance all about?
What about an additional focus?
What about vehicles?
What about college?
What about business expenses?
What about the debt SnowBank Method?
Is it possible to be better than debt free?
What about policy loans?
What restrictions are on policy loans?
What questions do insurance companies ask to take policy loans?
Would you like to learn more about the green belt strategy?
What about the purple belt?
Would you like the budgeting tool? Meet with Mark
Do you have a massive tax bill due every year?
What are non-direct recognition policy loans?
How fast should you pay the policy loan off?
Are you a business owner?
Are you a real estate investor?
What happens if you don’t pay off the loan?
What about the fortitude required?
What about compound growth?
Is it a good idea to pay a policy loan back?
What does it mean to lapse a policy?
What is a big deal?
What is not a big deal?
What is the risk on the gains in the policy?
What do you lose when a policy lapses?
Do you understand the risks?
What about the brown belt?
What is a system of policies?
What is a family office?
What about grandkids?
What about grandparents?
Why insure kids?
What is the power of this strategy?
What is the regular system of communication and intention?
Is a family office formal?
Is a family office informal?
How might a family communicate?
When do families meet?
Who shows up to a family meeting?
What is the key?
How might you prepare your people for the money?
What about the black belt strategy?
What about income equaling premium?
Is this recommended?
What is fraught with peril?
What did Nelson Nash say?
What is the caution?
Why is this not for 99% of people?
How does it work?
What are the four steps?
How might you live on less than you make?
What about the pattern of life?
What are the risks and considerations of black belt strategy?
Are you able to live like a spartan?
What about getting improved for this much life insurance?
What is the job of underwriters?
What about liability?
Have you arrived?
How are you still learning?
Would you like to strategize together?
Book a Meeting with Mark

Episode 183: What About Bank On Yourself® and Bitcoin?

March 5, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

Do you remember your MySpace password?
Do you have your bank password somewhere for your kids and grandkids to find?
Who is Stefan Thomas?
How did he lose so much Bitcoin?
What are the risks?
Does Bitcoin have value?
Is crypto a way to safeguard wealth?
What’s to love?
What is the value of the price of a bitcoin?
Is this the latest tulip mania?
Is it the future of money?
What are the main functions of money?
What defines money?
What about blockchain inflation?
Who owns blockchain patents?
What about volatility?
How old is Bitcoin?
How much would you like to spend on pizza?
Who uses Bitcoin to buy groceries?
What about anonymity?
What about concerns and regulations?
What did Janet Yellen say?
What about marketing?
What about a Bitcoin ATM network?
Is Bitcoin a medium of exchange?
What about payment for debts and taxes?
Why is the U.S. dollar the current medium of exchange?
Why does the U.S. government want tax in U.S. dollars?
What about printing money?
What about modern monetary theory?
What happened in the 1960s?
What about the behavior of society?
What about paying tax with Bitcoin?
What about reporting crypto holdings?
What about regulations and oversights?
What about the benefits?
What about paying tax on the gains?
What about the federal reserve?
What about pension funds?
Who is G. Edward Griffin?
What did he say?
Will the U.S. dollar go away?
What about the capital?
Has the government been hands off with crypto?
What about non-Bitcoin cryptocurrencies?
What are the main functions of money?
What about store of value?
What about the word currency?
What about flow?
What about storage?
How many bitcoins have been lost?
What about aging?
How is money like the promise of the future?
What about commodities?
What about futures?
What about gold?
Is Bitcoin a store of value?
Is Bitcoin speculation?
Who is the end user for Bitcoin?
What about futures contracts?
How is this like an insurance contract?
What about beating inflation?
What about predictability?
What about 1970s or 1980s inflation?
What about Bank on Yourself® type dividend paying whole life insurance?
What about speculation?
What about your risk tolerance?
What do you see in crypto?
Is crypto scarce?
Is it useful?
What about a deflationary environment?
What is the biggest profit centers for insurers?
What about term insurance policies?
Will insurers pay in crypto?
When did the dollar become legal?
What happened in 1863?
What is the legally recognized currency?
Who wins?
Is whole life insurance immune from financial disaster?
What about the risks?
Where is the real education?
Where does the real transformation occur?

Episode 176: Annuities vs. Everything Else

January 15, 2021 by Not Your Average Financial Podcast

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In this episode, we ask:

What are people saying about annuities?
What about supplemental income strategies for retirement?
Should alternative income strategies be used in retirement?
What about rental income?
What about rental income in a pandemic?
Is your rental property your annuity?
How is this working out?
What about Moody’s analytics?
How many renters are behind on rent?
What about mom and pop landlords?
What are squatter’s rights?
What about contract law?
What about laddered bonds?
What about taxes?
Have you heard Episode 138?
What about MUNI bonds?
What did Barron’s say?
What did Mark see at the Oriental Museum?
What about liquidity?
What is a Single Premium Immediate Annuity (a SPIA)?
What about inflation?
What about the Mack Truck factor?
What have the insurers done with the annuity gotchas?
What is the fixed indexed annuity?
Have you heard Episode 80?
What about income?
What about a steady stream of income in retirement?
How does one fund an annuity?
What are the choices?
What are the tradeoffs?
What are the protections?
What about qualified and non qualified plans?
How does a fixed annuity address the liquidity problem?
Who has the cash?
What is an idea for liquidity?
What about the inflation problem?
Can you lose money due to market fluctuations?
What about the participation rate?
What about an inflation protection hedge?
What about competitive market returns without loss?
What about increasing income in retirement?
What about a pay raise in retirement?
What about a guaranteed minimum income for life?
What about the insurers addressing the Mack Truck factor?
What about gifting the unspent lump sum to your beneficiaries?
What about nursing home care?
What about double income payments in a qualified care facility?
Do you have a bond that can do that?
Do you have a rental property that can do that?
What are the benefits of the indexed annuity?
What are the downsides?
What are the risks?
Who is an indexed annuity good for?
What about medium and long term savings goals?
What about short term goals?
What do you want your money to do for you?
Who are indexed annuities NOT good for?
What about surrender charges?
What about liquidity?
Would you like to meet with Mark?
What about looking at your Social Security benefits online?
Do you have a plan for long term care?
Do you have a plan for your home equity?
How might your home equity support you in retirement?
Do you still need to buy stuff?
Would you like to join the Not Your Average Financial Community?

Episode 173: Am I Too Old for Bank on Yourself®? Part 2

December 25, 2020 by Not Your Average Financial Podcast

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In this episode, we ask:

Did you hear Part 1 in last week’s episode, Episode 172?
What about Bank on Yourself® for seniors?
What about long term care?
Can an 85-year-old get life insurance?
What about examples?
How do lump sum premiums work?
What about riders?
What about growth?
What about guaranteed values?
What about inflation?
What is a single premium whole life policy?
What about health concerns?
What is different about underwriting?
What about insuring someone in your family or business?
What about ownership of the policy?
What questions should you ask?
What about retirement?
Who do you know that needs to consider this?
Has your retirement gone up in value every single year?
What about dividends?
How strong is the institution where your money is held?
What about luck?
What about skill?
What about growth and principal?
What about taxes on gains?
Can you spend the money while it’s still growing for you?
What about borrowing cash value?
What is the path toward uninterrupted compound growth?
Do you have a Bank on Yourself® professional to talk with?
What is a non-recourse loan?
What happens when you die?
Is your money liquid?
Are you penalized from accessing your money?
Is your money trapped?
How much can you withdraw?
What’s pretty cool?
What about retirement income?
What about the biggest complaints from seniors?
What about penalties?
Does your plan address the 500-pound gorilla in the room?
What about long term care?
What about activities for daily living?
What about giving to charity?
What about probate court?
Would you like to hear some examples?
What about the sandwich years?
What about required minimum distributions or RMDs?
What about a home health care benefit?
What about leaving a legacy?
Where do seniors tend to keep cash?
What is possible and not possible to do?
Would you like to call us?
Would you like to view Mark’s calendar and book a meeting?

Episode 168: Robert Farrington, the College Investor

November 20, 2020 by Not Your Average Financial Podcast

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In this episode, we ask:

What’s the number one thing in your financial life?
What is the moment that compounding can work for you?
Would you like to work with Mark? Learn more and apply at bit.ly/worklg
How much student debt is there?
How did Robert earn his first dollar?
How did Robert’s article get so many eyeballs?
What about student loan debt?
What’s Robert’s story?
What are the implications of student loans?
How did Robert get debt free?
What about increasing income?
Who knows how many they have?
Did you take out loans with your parents?
Did you take out loans with your kids?
What are Robert’s 30 ideas for passive income?
What repayment can you afford?
Should you kick the can down the road?
What will you do for the next five years?
Do you have a system that works for you?
What are the odds of loan forgiveness?
What programs are available?
Are you into public service?
Can you get something for nothing?
What are the general rules of thumb?
What about refinancing?
What are the problems with Parent Plus loans?
What about family drama?
What about legal responsibility?
What are the rates now?
Should you be debt free before doing anything else?
What about the rate of return?
What about time?
Can you be this age again?
Would you like to visit thecollegeinvestor.com?
Would you like to learn more at loanbuddy.us?
What about consistency?
What about sticking with it?
What are the takeaways?
What about the volume of time?
What about refinancing student loan?
What about 529 plans for paying off student loan debt?
What are the takeaways?
Would you like to join us on Zoom, Tuesday, December 1?
- When: Dec 1, 2020 02:00 PM Central Time (US and Canada)
- Topic: Savings Smackdown – Save Now or Save Later
- Register in advance for this webinar. After registering, you will receive a confirmation email containing information about joining the webinar.

Robert Farrington is a student loan debt expert and the founder of The College Investor. He has been helping people navigate student loans, investing, and wealth-building for over 10 years.

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