Which Policy is Right for Infinite Banking? 10/90 vs 40/60 Policy Splits | Wealth Nation
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- Опубліковано 26 лип 2021
- Choosing the optimal policy split for Infinite Banking: Exploring 10/90 vs. 40/60 policy splits.
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The video makes a comment that you are paying 30% more for only 4%. Personally I do not care which bucket the money goes in as in reality I am paying 15,000. If you told your investment manager here is 15k per year and he said he will either invest 60/40 stock bond ratio and a 90/10 stock bond and the 90/10 gave me more money - do I care where more of the money was allocated?
To me it still looks like 90/10 is better. After 20 years if you pay the same in premiums you have more cash value as well as more death benifit. Plus you can use more of your money. I have had lots of people explain that this is not true but looking at the numbers it still seems that 90/10 is better.
30-40 years down the road, the 40/60 might finally overcome the 10/90 but how much opportunity cost did I miss out on in those 30-40 years? A good amount. I won't be doing a whole of of investing at 70+ years old. I want my money now to take advantage of opportunity cost.
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Love the content. I just started in the life insurance industry. Your videos are helping my wife and I , tremendously 🙌🏾🤴🏾 Thank you family.
Thank you both for your commitment.
You guys are the best!
Great info!
There is quite a bit of apples to oranges comparison here. I do like that the premium is broken down into parts so people can see the options there and why you need them.
Sooooo proud of you guys and this knowledge you're sharing!
Great video you two.
Great info thank you!
The example you used is misleading. You're comparing only what's been contributed by PUA's, NOT counting the base premium, which is much higher (obviously) in the 60/40 split. You can't compare these side by side. Your first example where the same TOTAL premium of $15k was paid in every year in both policies clearly shows that the 90/10 is more efficient and gives higher cash value.
My analysis paralysis will continue for the rest of my life because I never know what you guys are talking about
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Hello guys! Thank you to your point. I do like more informations.
Good info
If I'm not mistaken,, 40/60 pays higher commission to the agent too. What a coincidence
Good job
I wish the person created our life insurance explained the way you guys did.
Good content. I enjoy listening to y'all. I had to listen carefully to get your point. I think an easier way to see that a 60/40 is more efficient in the long run is just to graph the cash value of both policies over 40-50 years. The slope of 10/90 will be steeper at first, but over time the slope of the 60/40 will catch up and be steeper than the 10/90. At some point there will be a cross over point, too, where the 60/40 surpasses 10/90 in cash value and then keeps widening the cash value gap. This whole thing is because your base premium has bought you a ton of death benefit and your cash value is just the net present value of your death benefit.
Well said Glenn!
You're missing that PUAs add whole life death benefit. PUA literally stands for Paid Up Additional death benefit. PUAs are a single premium whole life policy. For every $1 you put into PUAs you'll get about $3 in whole life death benefit.
I understood most until this video
Fantastic
I have a 40/60 and a HECV. 90 percent on the first year with a 30000 dump in. For the 40/60 no term ryder. The term Ryder is probably hindering the long term efficiency. But it's good for anyone wanting to invest in the next 5 years. 40/60 is fantastic for the long term.
Hi, do you guys help people find/pick life insurance?
If someone doesn't want a death benefit but wants to work with their cash to have it work for them like a bank meaning in multiple places, then the 10/90 makes way more sense. The 40/60 gets the agent paid more money from the base. You are not taking into account the money your cash will make for you if used properly. Seems like you are trying to trick people into not knowing how to use this properly while getting the agents paid more.
Great video guys. At 22 mins and 10 secs; would it not be more accurate to say 50% rather than 30%? (ie: 90 is 50% more than 60)
Good video.. another limitation on 10/90's is, you can't put in more than 10x the base ( so if you wanted to pay in 25k in any given year, you can't)... unless you have a higher base premium :)
What is a good whole life insurance?
I was with you but now I'm confused.
$15K is $15K, no matter how you allocate it.
So it's actually not a 30% difference. The premiums are the same.
What are yall talking about?
How much is the school, sounds nice, do you have something shorter to join? Right now can not join money school. Can not handle too much information and study right now.
I am new to this. in 20 years the cash value is very high however if you die the cash value doesn't go to your family so what's the benefit of keeping all of the cash value there? Or are you supposed to use the cash value to invest in other things?
So would it make sense to fund a 10/90 for 5 years, then get a 2nd policy, a 40/60, for long term?
Do you have a representative In North Carolina you can direct me to?
What's this life insurance policy Name?
I feel like if we really cared about efficiency, we wouldn’t be buying whole life insurance to use as a bank account.
If I am starting a Whole life insurance policy and I am making a $200 payment monthly for $100,000 benefit. How soon should I ask for a loan. Should I develop some consistency for some months before asking for the loan. I need your advise. I already have whole insurance policy with Northwestern Mutual.
If you already have cash value available you can get a loan on what ever you already have as a cash value. Let's say you already have a cash value of 2,000 dollars you can get a loan of 2000 dollars!
I have a policy with all the riders u said like pua but I didn't realize u shouldn't stop paying 😪 I stop after 15 years, didn't know
It's all good. You don't know what you don't know. The question to ask would be, can you continue to pay into your policy? If not, you can always look into starting another policy.
Thanks I'll ask, Just glad I started honestly, and can slowly but surely take my money out of these shady bank accounts🤨🤨
I keep doing the math over and over and over again every time buying term insurance and investing the savings I would have by not burying whole I come out way way ahead. I wondering if I'm missing something? Could you do s comparison between term vs whole?
Can you copy and paste the math that youve been doing over and over and over again so we can look at it?
Term is only for DB as far as I know. The DB is the least important factor here. The money you can pull for investments and velocity is the important part. 10/90 is the investment opportunity support you want.
Are these Universal Life Policies.?
พ้นจากแบงก์
still greek to me.
Stop
Hดิฉันไม่เข้าใจคุณทั้งพูดเลยนะตะ
Im here islam