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PODCAST

Infinite Banking Mastery

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

business investing

All Episodes

16:22

Encore: Compound Interest, Uninterrupted

Infinite Banking Mastery ·

2025/08/07

Would you rather earn: $100,000 a day for 30 days or… Earn a penny that doubles every day for 30 days? Trick question. At the end of the 30 days, you would have earned $3 million at $100k per day. Not too shabby. But what about a penny that doubles every day for 30 days? A cool $10.7 million! So how is this possible? Well, it’s all possible with Albert Einstein's “8th Wonder of the World” — uninterrupted compounding interest. Not only does Albert subscribe to this, but so does Tony Robbins, Warren

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09:56

Myth Busters! Infinite Banking is Too Complicated

Infinite Banking Mastery ·

2025/07/31

There are plenty of myths about Infinite Banking, and any of them could derail you from doing something great for you and your family. That’s why I like to bust these myths. And today I’m busting two more. In this episode, I’ll tackle the mistaken idea that IBC is just too complicated, and the faulty claim that IBC is a scam. You’ll see the reality that IBC is a “too good to be true” thing that’s actually true, and it’s built on a stable foundation the wealthy have been relied upon for generations

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12:40

Myth Busters! Infinite Banking is Only for the Wealthy

Infinite Banking Mastery ·

2025/07/24

It’s easy to think only the wealthy can afford to use IBC. But is it true? In this episode, I’ll show you why the Infinite Banking Concept isn’t off-limits to anybody, even if you can’t start with as much as a millionaire. I’ll also explain why starting with a little today is better than starting with a lot next year. Listen now! Show highlights include: Real reason mega corporations (like Walmart and Wells Fargo) buy more life insurance than anybody. (1:39) “The $5,000 Question”: Why some agents

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16:03

What it Looks Like to Work With Me

Infinite Banking Mastery ·

2025/07/17

It’s not unusual for people to be serious about Infinite Banking, but hesitant about the process to get started. Is it complicated? Scary? Hard? Am I really ready?! If you’ve ever had any of those questions, this episode is for you! I’ll give you an overview of how the process unfolds from our very first meeting all the way through having your policy in force and annual reviews. You’ll be able to feel good about moving forward. Listen now! Show highlights include: First Meeting De-mystified: What

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13:50

What Will My Current Advisor Think of the Infinite...

Infinite Banking Mastery ·

2025/07/10

You’ve done your homework and you’re enthusiastic about the Infinite Banking Concept. But you’re concerned your advisor might not feel the same way. Truth is, you might be right! And in this episode I’ll share different reasons more advisors aren’t on board with IBC. I’ll also explain what you can do to make sure you can still take action on Infinite Banking, even if your advisor isn’t sold on the idea. Listen now! Show highlights include: DIY Danger: How even a finance professional can get in

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21:17

Encore: Whole Life Insurance and Dave Ramsey

Infinite Banking Mastery ·

2025/07/03

You’ve heard of Dave Ramsey. So you probably know one thing he loves almost as much as cutting up credit cards is putting down whole life insurance. Since he’s helped so many people learn how to budget, and how to get out of consumer debt, it can be easy to think he really knows everything he talks about. But when it comes to whole life insurance, that’s simply not the case. In today’s episode I’ll prove it by tackling several complaints Dave gives against whole life so you can separate genuine

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15:04

More on MEC

Infinite Banking Mastery ·

2025/06/25

There are popular trends in the industry that concern me. Because they result in policies that look good on paper, but don’t deliver like the client expects, and can even produce a policy that becomes a dreaded Modified Endowment Contract (MEC). So when I got the opportunity to talk to a senior insurance actuary about these trends, I took advantage of it! I asked my questions so I could know from a true insider whether my concerns were reasonable or unfounded. In this episode I’m sharing what I

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11:35

Should I Stop Funding My IBC Whole Life Policy As...

Infinite Banking Mastery ·

2025/06/19

You can reach a point when you’re no longer required to keep funding your Whole Life policy. And so it’s easy to think you should stop as soon as that moment comes and put your money toward something else. But is that the best decision? In this episode I’ll explain why even though everybody’s situation is unique, in most cases you shouldn’t plan to stop funding your policy any time soon. I’ll also share when it does make sense, and what to do when that happens. Listen now! Show highlights include:

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11:31

Money Sitting In Other Places Can be Used for PUAs

Infinite Banking Mastery ·

2025/06/12

Whole Life Insurance is a key part of IBC, but it takes some money to get it going. Especially when you fund Paid Up Additions that boost what your policy can do for you. And if your budget is tight, you might think you can’t possibly find those funds. In this episode I’ll share nearly a dozen places to look. And unlike some who gloss over risk and fine details, I’ll tell you what to watch for so you don’t make a costly mistake. Listen now! Show highlights include: “Sideline Money”: Where you can

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12:27

Illustrations, is that what’s more important?

Infinite Banking Mastery ·

2025/06/05

You talked to an IBC practitioner and they showed you an illustration. Now you want to see another practitioner in hopes they can show you an even better one. But should you pick your practitioner based on a better-looking illustration? Today I’ll explain how illustrations can mislead you, and what to look for so you don’t run into big problems later. I’ll also share what’s most important to look for in an IBC practitioner. Listen now! Show highlights include: Why policy structure trumps cash value

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11:35

Should I Focus My Extra Resources on Paying Down My...

Infinite Banking Mastery ·

2025/05/29

When you have extra cash available it’s easy to think applying it directly to a large balance–like a mortgage–is a good idea. But in most cases there’s a better use for that money, even if it is strategically used in a different way to help you accomplish the same goal. Recently a client came to me with a plan to pay down his mortgage, and left our meeting with a different idea. Once you listen to this episode I think you’ll see why. And you’ll know whether a similar strategy is the right approach

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14:01

Determining Premium and Payment Modes

Infinite Banking Mastery ·

2025/05/22

You’re no stranger to premiums, but you might not realize all the options you have for paying your Whole Life insurance premiums, and what difference they make to your Infinite Banking strategy. In this episode I’ll explain your options, and the surprising flexibility, for paying your Whole Life premiums. I’ll also explain why you should still consider Whole Life if you don’t have much money, or your health isn’t as good as you’d like. Listen now! Show highlights include: Payment Mode questions

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14:08

Planning For Future Care Needs

Infinite Banking Mastery ·

2025/05/15

People are living longer so it’s more important than ever to prepare for senior healthcare expenses. But that’s hard to do if you underestimate your need for care, or how expensive it can be. That’s why, in this episode, I’m sharing insights and statistics to help you see how serious this is, and explain what options are out there so you can prepare for when you or a loved one need to pay for these services. Listen now! Show highlights include: Why now might be the best time to start Infinite

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12:02

What is Your Human Life Value?

Infinite Banking Mastery ·

2025/05/08

When you’re trying to figure out how much life insurance coverage you should get, you might hear the term “Human Life Value.” But what does that mean? If you’re not sure, then this is an episode for you. I’ll explain what it is and how it’s calculated. I’ll also explain different methods you can use to get an idea of how much life insurance coverage you actually need. Listen now! Show highlights include: How insurance companies calculate coverages for age groups. Examples from a real underwriting

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18:05

Biggest Risks to Your Future Income

Infinite Banking Mastery ·

2025/05/01

Some people protect their retirement savings from risk while they’re working, but don’t think about how to protect it after they retire. But this is a mistake, because there are plenty of threats to your income during retirement. If you don’t think about them ahead of time, you could be vulnerable when you can least afford to be. That’s why in today’s episode I’m sharing the most common threats to your future income. I’ll also help you see your options to protect yourself from these potential risks

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16:19

Future Income and Taxation

Infinite Banking Mastery ·

2025/04/24

Planning for future income for that time when you are no longer working or are working less, is important, and with so many options it can be confusing to know what you should do. And if it weren’t hard enough already, it gets even more complicated when you factor in taxes on that income. I’m here to help! Listen now! Show highlights include: Have a pension? Three reasons to hang onto this increasingly rare retirement benefit. (1:52) Common Social Security miscalculation couples make that could

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14:15

What do Banks Think of Your Life Insurance Loan?

Infinite Banking Mastery ·

2025/04/17

You know you can borrow against the cash value of your Whole Life insurance policy. But you’re thinking about a conventional loan like a mortgage or a HELOC. Will your life insurance loan be a red flag to the bank? How much will it matter? In this episode I’ll explain how the banks really view life insurance loans, and why you shouldn’t let one scare you into thinking you couldn’t get a conventional loan. I’ll also share a little more on last week’s topic to help you appreciate the importance of

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15:53

Do this! Before it's too Late!

Infinite Banking Mastery ·

2025/04/10

You know life insurance is important, but you’ve been putting it off. Waiting until you can afford a Whole Life policy, instead of just Term… Or until you can qualify for a better health rating… Maybe you’re “on the fence” about Infinite Banking and want to sort it all out before putting money into an insurance policy. Whatever the reason, if you don’t have life insurance this episode is for you. I’ll explain why the risks of waiting are so great that not having life insurance is something you need

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14:05

Insights Regarding Income in Your Later Years

Infinite Banking Mastery ·

2025/04/03

You know it’s important to have money in the later years of your life. And you might think the conventional wisdom must be the safe way to go. But you need to listen to this episode first! I’ll explain why following the crowd might be the worst thing you could do, and what to consider before making that decision. Listen now! Show highlights include: Why it’s a mistake to view Whole Life Insurance companies as carbon copies of one another. (1:05) How Whole Life companies are defying the stereotype

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13:30

Highlights From the IBC Think Tank

Infinite Banking Mastery ·

2025/03/27

I just returned from this year’s IBC Think Tank. Not only did I have the privilege of presenting, I also learned from some of the top minds in Infinite Banking today. Today I’m sharing the highlights of the event with you, so you can know what’s relevant in Infinite Banking right now, and be equipped to make good decisions with your financial planning. Listen now! Show highlights include: How Nelson Nash’s first policy proves IBC can work even with a “plain” whole life policy. (3:22) The two vital

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