Hutch - thanks again for more awesome content! I'd be interested to hear you go into more details on what we mean by "positive arbitrage" in the context of IBC (which you may already be planning to do in your 4-D webinar). I tried to go to the link indicated for the 10/90 policy study but it appears to be dead. Can you check on that? Your article on direct vs. non-direct recognition is phenomenal - every time I hear that objection, I simply point clients to your article and it clears up the confusion. As you point out, currently direct recognition companies actually INCREASE the dividend on loaned balances currently, so how is that a bad thing?
I heard this from another agent, but does HCV LI increase in value monthly? If so, how so? I thought the dividend hits at the end of the anniversary date. Also, the premium finance could work when done with anticipated windfalls.
Great video..I agree with what you said in this video..Upto this point most of the people I listened to on youtube are either in the WL camp or IUL camp but I see that you believe both have their place in our overall financial foundation..I subscribe to this thought too..My goal is to have 4 max funded IUL’s (100k funding for each of them) and 4 WL policies(100k funding for each of them and a funding period of 5-6 years for each of them)..this will ensure I have 400k in IuL and 400k in WL policies..I currently have 2 IUl’s with Allianz and 1 WL with Guardian..before the end of this year I will signup for Mass Mutual and Penn Mutual ..Next year I will sign up for Lafayette life..This year I also might sign up for Securian and National Life for Iul..can I ask you which comapnies do you have your Iul and WL policies with or which companies do you like since you’ve been by in the insurance space for a long time..I only started buying policies since 2021
Hi Kris. We do business with all the WL & IUL companies you mentioned as well as some others you didn't That said, the IUL market changes much quicker than WL, so I don't want to publicly memorialize one over another. I think you would get a lot from booking a Zoom with our IUL specialist @ Bankingtruths.com/Bryan-Schedule. He can give you a full lay of the IUL landscape (which includes some shady practices & really interesting new offerings). Mention this comment on the intake and I will do my best to jump on the first call or for sure the 2nd. - Hutch
For IULs Pacific Life's multiplier's can turn an 8% cap rate into a crediting rate of 21.6%. For Whole Life, Ameritas has terminal illness, critical illness, and chronic illness riders in their policies. Securian's BGA 2 has a great persistency credit and 2% floor rate. Symetra's IUL has great UNCAPPED S&P 500 index options.
Hutch - are you aware there is a company working on a credit card solution that would allow you to spend directly from your cash value? I've spoken with the founder of the company and would be happy to make an introduction for you. I think you'd be very interested. Let me know if you want to talk further.
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Hutch - thanks again for more awesome content! I'd be interested to hear you go into more details on what we mean by "positive arbitrage" in the context of IBC (which you may already be planning to do in your 4-D webinar). I tried to go to the link indicated for the 10/90 policy study but it appears to be dead. Can you check on that?
Your article on direct vs. non-direct recognition is phenomenal - every time I hear that objection, I simply point clients to your article and it clears up the confusion. As you point out, currently direct recognition companies actually INCREASE the dividend on loaned balances currently, so how is that a bad thing?
Thanks for the heads up. 1090 is working now. Did you still want to do podcast episode?
I heard this from another agent, but does HCV LI increase in value monthly? If so, how so? I thought the dividend hits at the end of the anniversary date.
Also, the premium finance could work when done with anticipated windfalls.
The guaranteed growth a cruise daily but the dividend is added at the anninversay
Great video..I agree with what you said in this video..Upto this point most of the people I listened to on youtube are either in the WL camp or IUL camp but I see that you believe both have their place in our overall financial foundation..I subscribe to this thought too..My goal is to have 4 max funded IUL’s (100k funding for each of them) and 4 WL policies(100k funding for each of them and a funding period of 5-6 years for each of them)..this will ensure I have 400k in IuL and 400k in WL policies..I currently have 2 IUl’s with Allianz and 1 WL with Guardian..before the end of this year I will signup for Mass Mutual and Penn Mutual ..Next year I will sign up for Lafayette life..This year I also might sign up for Securian and National Life for Iul..can I ask you which comapnies do you have your Iul and WL policies with or which companies do you like since you’ve been by in the insurance space for a long time..I only started buying policies since 2021
Hi Kris. We do business with all the WL & IUL companies you mentioned as well as some others you didn't
That said, the IUL market changes much quicker than WL, so I don't want to publicly memorialize one over another. I think you would get a lot from booking a Zoom with our IUL specialist @ Bankingtruths.com/Bryan-Schedule. He can give you a full lay of the IUL landscape (which includes some shady practices & really interesting new offerings). Mention this comment on the intake and I will do my best to jump on the first call or for sure the 2nd. - Hutch
For IULs Pacific Life's multiplier's can turn an 8% cap rate into a crediting rate of 21.6%. For Whole Life, Ameritas has terminal illness, critical illness, and chronic illness riders in their policies. Securian's BGA 2 has a great persistency credit and 2% floor rate. Symetra's IUL has great UNCAPPED S&P 500 index options.
No 10, you need a special policy designed for ibc. Not true, i have a "off the shelf " WL100 from massmutual and i can do all this stuff...
You sure can, just takes longer to ramp up
Hutch - are you aware there is a company working on a credit card solution that would allow you to spend directly from your cash value? I've spoken with the founder of the company and would be happy to make an introduction for you. I think you'd be very interested. Let me know if you want to talk further.
Sure
@@BankingTruths I just sent you an email
Can I know the company too. I have an insurance backed line of credit and would love to use a credit card.
You’re talking to a very small audience. Only an accountant could understand anything that you say. I’m not an accountant.