Infinite Banking Mastery

Author: Valerie LaRoque

Having a safe and secure retirement feels impossible today. With inflation, higher taxes, volatile stock, and property markets, it's overwhelming, isn't it? And the banks and government aren't going to help you. We all know this. That's the bad news. The good news? You can live a debt-free life and retire with a sizable nest egg. In fact, this is easy so long as you don't rely on the government and the banks. Valerie LaRoque, your host, is an authorized IBC Practitioner (with the Nelson Nash Institute).. Listen to the Infinite Banking Mastery podcast where you will discover the power of the Infinite Banking Concept (IBC). Grow a tax-free pool of cash. Take full control over your financial future. And most importantly, build your legacy.
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Language: en

Genres: Business, Investing, Personal Journals, Society & Culture

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Encore: Keepin' It Tax Free
Wednesday, 28 January, 2026

Your savings can be taxed if you set your life insurance up incorrectly. Simply put, when you deposit "too much" into a life insurance policy, you create a "Modified Endowment Contract" (MEC.) So, what are the disadvantages of a MEC? Any gains you make in your policy will be taxed at your individual tax rate upon withdrawal There's a 10% early withdrawal penalty if you try to take out before 59.5 Because of the 10% penalty, your money is less accessible Worst part? Once your policy has been established as a MEC, it's impossible to overturn. So, how do we avoid converting our policy into a MEC? In today's episode, you'll discover how to make sure your policy remains tax free forever. Listen now! Show Highlights Include: How converting your policy into a "MEC" forces you to pay income tax on the growth of your savings (1:03) How the same death benefit can cost you either $50 a month or $200 a month (and how to make sure only pay $50) (4:59) How to avoid paying any extra fees when investing in a whole life insurance policy with "paid up additions" (6:06) Why shrinking your policy's death benefit legally allows you to receive a higher payout when you retire (11:15) Reach out to me: valerie@alphaomegawealth.com https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)