IUL vs Infinite Banking: The Myth That Could Cost You Thousands

It's time to start Infinite Banking: https://bit.ly/4nmv7UE

IUL vs Whole Life for Infinite Banking: here’s the truth agents won’t show you. A sneaky insurance agent tried to switch my client from a properly designed Whole Life policy to Index Universal Life (IUL)—and it would’ve cost him tens of thousands over time. In this video, I break down the real differences between IUL and Whole Life for Infinite Banking (IBC), why Nelson Nash didn’t design IBC for IUL, and how surrender charges, rising insurance costs, caps/floors, and wash loans quietly erode results.

What you’ll learn:

• Why UL charges increase with age while Whole Life front-loads costs and then backs off

• How surrender fees limit your early access in IUL vs clean, immediate access in properly structured Whole Life

• The truth about caps and floors (and who controls them)

• Why most IUL “make money in two places” claims rely on wash loans (0% net—not compounding)

• How Whole Life policy loans let your cash value keep compounding tax-free while you use the money

• Real illustrations: $18k/year IUL vs a Max ROI Infinite Banking Whole Life design (more cash value, higher death benefit, faster break-even)

• Why banks often prefer Whole Life over IUL for collateral (and may cap IUL LTV)

If you’re serious about Infinite Banking, you need certainty, liquidity, and true tax-free compounding—not marketing hype. Properly engineered Whole Life (not vanilla WL) is the backbone of IBC because it’s designed for maximum cash value and flexibility, not sales commissions.