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Wealth Warehouse Community
146 members • Free
3 contributions to Wealth Warehouse Community
10d •
Question for today
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.
2 likes • 5d
In technical terms, Caleb is correct it's the day you die and the death benefit is paid out. I have milestone markers that I look at in my policies which is going to be different for everyone because of their age and policy structure. Like Travis I look at which year will my cash value match my premium. Year 6 = 98% and year 7 = 103%. I also look at which year my cash value surpasses the cumulative premium payments I've made. In my case that is year 14. But in year 18 my CV increase is double my premium payment. Every year is more efficient than the previous.
16d •
Tracking policy loans
I’m curious, who creates a promissory note and a payment schedule for each policy loan they take… and who just maintains a habit of paying policy loans back?
Poll
15 members have voted
1 like • 13d
I kind of do a hybrid. As an accountant and excel geek I create repayment plans and will pay those back as scheduled. I also have a monthly savings plan for premium payments but I will use those towards the policy loans to reduce interest expense and then when premiums are due I will just take a policy loan to pay the premium if needed.
May 16 •
When you join the group, feel free to make a post introducing yourself
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?
3 likes • Jul 9
Somehow I stumbled upon a YouTube video of James Neathery doing a presentation which led me to Nelson's book and many YouTube videos and podcast. Was pretty confident in the process and started a policy 3 years ago. It wasn't until I listened to Dave & Paul and then re-read Nelson's book 2 more times, did I really catch it. It hit me like a 2x4 across the forehead. Thanks to Paul's help, I'm now approved for a 2nd policy and starting one on my wife and kids.
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@kent-stauffer-7995
Dad of 5 boys. Accounting Manager. Always looking for side hustles and ways to grow my Capital.
Active 3d ago
Joined Jun 27, 2026
Rochester, NY