I'm Chris, married, 2 kids 1 on the way and I like many others in this group am a veteran. I am involved in a great church with lots of young families, so we fit in well. While I would say I have many interests and hobbies. The thing that ties them together is a love for learning and going deep on a subject. Since learning about IBC, I have read books on economics, the history of banking and the federal reserve as well as other books specifically talking about IBC and how to implement it in one's life.

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.