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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

09:17

Accelerated Underwriting, How Fast Is It?

Infinite Banking Mastery ·

2025/10/30

Accelerated Underwriting sounds faster than conventional underwriting, and it certainly can be. But you might be wondering: just how fast is it? In this episode I'll share, from real experience, how quickly approval can happen. I'll also share why it doesn't always work that quickly, and the biggest factors that influence how long it takes. Listen now! Show highlights include: "No-brainer" reason accelerated underwriting is the right move if you're in good health. (2:40) Why honesty is the only

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12:02

Health Underwriting for Life Insurance

Infinite Banking Mastery ·

2025/10/23

You know about the underwriting process for life insurance, but you might be wondering exactly how it works and how long it should take. In this episode I’ll explain what happens as soon as you sign the application, what an underwriter is looking for, and why honesty is absolutely your best policy throughout the process. I’ll also share why underwriting can take longer than expected, but it’s nothing to be afraid of. Listen now! Show highlights include: How bloated medical facilities can set back

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16:42

More about MEC

Infinite Banking Mastery ·

2025/10/16

We’ve talked about how a Whole Life policy can “MEC,” but the language around what makes this possible can be confusing. So I’m here to help with more information about the biggest risk to existing policies later becoming Modified Endowment Contracts. I’ll also explain how knowing the way these policies can go wrong helps me build strong policies from the start. Listen now! Show highlights include: What a “material change in policy benefits” really means, and how it triggers re-testing for MEC

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15:18

What Happens if My Life Policy Becomes a MEC?

Infinite Banking Mastery ·

2025/10/09

You’ve heard that a Whole Life policy can “MEC.” But what does that even mean? And what are the real-life consequences if your policy becomes a Modified Endowment Contract? The consequences are real and undesirable. So in this episode I’ll explain what a MEC is: where it came from, how it happens, and what you can do to avoid it. I’ll also help put your mind at ease about what to do if it ever happens to you. Because even though it isn’t ideal, it doesn’t have to ruin you. Listen now! Show

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19:11

Underwriting For Life Insurance, How Long Does it Take?

Infinite Banking Mastery ·

2025/10/02

You know you’ll need to go through the underwriting process for Whole Life insurance so you can set up your Infinite Banking system, and you’re wondering: “How long will this take?” In this episode I’ll explain how long it usually takes, and why it sometimes takes longer. I’ll also tell you what to expect in underwriting and share a real-world example of a case that took longer than usual, and the harmless reasons why. Listen now! Show highlights include: How long underwriting typically takes

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12:22

What Are Surrender Charges and Will My Life Insurance...

Infinite Banking Mastery ·

2025/09/25

You’re ready to start Infinite Banking and you want to replace or cancel existing life insurance contracts so your resources can go toward your new policy. Be careful! Some contracts have a provision that will leave you with just a fraction of the money you’ve put into the policy if you walk away. I’m talking about surrender charges. And in this episode I’ll explain what they are, how they work, and how to navigate if your policy has one. I’ll also explain which policies are most likely and least

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14:41

How can I ensure I have income in Retirement?

Infinite Banking Mastery ·

2025/09/18

You already know IBC can help you have a predictable income stream in retirement, but you might be wondering if there’s even more you could do to brace for the uncertainty of your golden years. This episode is for you because I’ll explain how to set up a product that works like a personal pension, how it works, and why now could be the absolute best time to consider this type of vehicle. Listen now! Show highlights include: Overlooked certainty (as sure as death and taxes) that will crush your

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15:50

Is This a Myth? All Whole Life Policies Work for...

Infinite Banking Mastery ·

2025/09/11

A key benefit of Infinite Banking is the ability to borrow against the cash value in a Whole Life insurance policy. So you might be wondering: “Does it have to be specially built, or will any Whole Life policy work?” This is a great question because it helps us appreciate the difference between something that technically works and something that works for you the best it possibly can. In this episode, I’ll explain why it’s best to start with a Whole Life insurance policy specifically structured for

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14:35

Myth Busters: Borrowing Against Your Life Insurance...

Infinite Banking Mastery ·

2025/09/04

It’s time to bust another myth about Infinite Banking. This time I’m tackling the mistaken idea that borrowing against your life insurance policy makes you lose money. I’ll explain where the confusion comes from, and the truth about IBC and borrowing. Listen now! Show highlights include: Surprising source of IBC confusion. (1:15) IBC loans “de-mystified.” What actually happens when you take a policy loan. (1:45) Unique advantages to borrowing against your policy cash value, instead of from a bank

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12:28

Myth Busters: Infinite Banking is Only for...

Infinite Banking Mastery ·

2025/08/28

Some people think Infinite Banking is only for retirement planning. But while IBC is wonderful in retirement, it’s a mistake to think it can only help you later in life. In this episode, I’ll explain the multitude of ways IBC can help you plan in all stages, not just retirement. Listen now! Show highlights include: Key features of IBC and common pitfalls to avoid. (2:41) Unbelievable flexibility of IBC policy loans. (3:16) How IBC benefits entrepreneurs without making them debt slaves to banks

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39:48

From Coffee Shops to Cash Value: My Journey Into...

Infinite Banking Mastery ·

2025/08/21

I’ve shared several details before about how I discovered IBC and started advising other people. But if you’ve ever wanted to know more, then you’ll love this episode. That’s because I’m sharing my recent appearance on the Infinite Banking Initiative podcast from the Nelson Nash Institute. And it is all about how I found IBC, and the impact it has on me and my clients. This is the most-detailed account I’ve shared about my journey from entrepreneur to IBC, and the bumps and detours I took along the

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11:30

Myth Busters! You Lose Control of Your Money with the...

Infinite Banking Mastery ·

2025/08/14

Some people look at the funds that go into a Whole Life Insurance policy built for Infinite Banking and think the money goes in and then you don’t have control…at least not for a long time. But is that the truth? In this episode I’m tackling two more IBC myths head-on so you can have a clear view of what Infinite Banking is really like. I’ll explain why–despite what critics say–IBC offers you unmatched control of your money, and benefits you can access from the very first day. Listen now! Show

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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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