I will miss today's IBC because of a scheduled treatment on Base (Andrews Joint Airforce Base- Maryland). See you next week. My contribution for today is a question. At what point in the life cycle of a Specially Designed Whole Life policy does it become most efficient? My question is probably general because it is likely that each policy is impacted by many factors (age, initial contribution, PUA contribution. . . ). I would say looking at one of my illustrations that seven to eight years would be a good marker. Yes, I am assuming the policy owner requested that all dividends be used to purchase PUAs. Just my question for the community here. Next Week and I will be monitoring resonses.

Problem: The OEM car repair market is a racket nowadays. My 15 year old daughter was backing out of our garage a couple of weeks ago and hit the driver's side mirror cracking the plastic housing which covers the entire assembly. It's a simple black plastic piece. Tesla doesn't sell that piece so one is forced to purchase the entire assembly which is $745. Solution: I found a company on YouTube that makes the piece and sells it on Amazon for $15. The inner mirror black plastic piece is another $17. So for almost nothing I can make the repair myself in about 30 minutes. Research and education is key just like when we're discovering IBC.

Unfortunately, we run into great people who need life insurance but when they had the chance to get it they did not. Fastforward to the present day, married, two young children, and she's not insurable. This is a friend of ours. Deployed to Afghanistan, saw some stuff, lost a close friend, and that affected her. She didn't know about Veteran's Group Life Insurance etc. My point here is knowledge is everything. Somebody knows somebody who can provide wise counsel when it comes to this stuff. And if they don't feel free to send them our way so we can help. Have a great week!

Can be just to say hi, tell a story about how you discovered IBC, what you're exited about right now etc. Please feel free to mention also what you do so we can support eachothers businesses, but let's not be "spammy" about it ok?

Hey I saw this on Facebook today, and thought I’d share it here. Looks like Befort did a podcast with the pilots advisor so I sure there are IBC gold nuggets mixed with other financial strategies in there. https://youtu.be/eFXavLOSSLA?is=A3E64tVFQ3k0aU_W