EP217: Learning to Invest with Life Insurance: Part 1

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We’ve had many guests here on the podcast who have educated us on the Infinite Banking Concept. This is a strategy that uses whole life insurance to create a banking system within your own finances. It’s an incredibly effective strategy, and can be used for purchasing cash flowing real estate.

But for whatever reason, it’s a strategy I have not yet utilized in our personal portfolio. On this episode of Investing in Real Estate, Natali and I are starting to get our feet wet in the world of investing with life insurance! We’ll give an overview of some of the questions we asked an expert, and how we plan to use this tool in our overall investing strategy. Don’t miss episode 217 of Investing in Real Estate! 

More About This Show
If you’re a longtime listener, you know that in our family we utilize multiple strategies in order to grow our real estate portfolio. We’ve talked about borrowing from 401ks, using HELOCs, private money, and more. However, using whole life insurance is something we haven’t yet experienced.

The Infinite Banking Concept uses whole life insurance to create a banking system within your personal finances. Doing so is stable and allows you to borrow money from yourself. Not to mention, any growth inside these vehicles is tax-free! Using this method allows you to multiply your money by using it over and over.

After I left my broadcasting career last month, we started looking deeper into this option. We believe that finances are not one-size-fits-all. In the past, we never felt like this strategy was for us. It almost felt like a distraction.

Now our lives are different. We’ve left behind 401ks and employer-sponsored insurance plans. Natali has taken the initiative to speak with an expert, M.C. Laubscher, about how using whole life insurance can fit into our personal finances and investing strategy.

On today’s show, we’ll talk about the value of having whole term life insurance to invest. We’ll share how we started down this rabbit hole, and how we plan to move forward using the Infinite Banking Concept. You’ll learn about our initial hesitations about this strategy, and more!

If you’re ready to begin building a passive income through rental real estate, book a FREE call with our team today. We’re ready to talk about your goals and want to help you learn more about earning legacy wealth for you and your family. 

On this episode you’ll learn:

  • How do you roll over a 401k as a non-taxable event?
  • How is term life insurance like leasing a car?
  • What percentage of whole life insurance policies are appropriately leveraged?
  • Does whole life insurance go on your credit? 
  • What is the difference between using whole term life insurance and a self-directed IRA?
  • And much more!

Episode Resources
EP122: How to Build Wealth Outside of Wall Street – Interview with M.C. Laubscher
EP212: Deep Diving the Infinite Banking Concept – Interview with Nate Scott and Holly Reed
Live Your Life Insurance by Kim D.H. Butler
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We're getting our feet wet in the world of investing with life insurance! Here's an overview of some of the questions we asked an expert, and how we plan to use this tool in our overall investing strategy.