Have you ever wondered why there's a maximum withdrawal limit at the bank?

They'll often tout it as "stopping criminals from laundering money." But the reality is this: They don't have much money in the actual bank!

What do I mean?

The primary way banks make money is by lending out YOUR money. Banks only need to keep about 10% of deposits on reserves. So when you make a deposit, they loan out your money (and then some!) and earn their profit by charging interest.

The only reason why this has worked is because the banks know 90% of all savings are untouched by the public — they don't take their money out, they leave it in the bank.

But this was one of the causes of the Great Depression. The public were scared of a market crash, decided to take out all their money as the banks weren't safe anymore, and they were told…

There was no money left!

But there is a way to be free from this madness. In today's episode, I reveal "The Family Banking System", which allows you to recapture the interest you're losing to banks.

Listen now!

Show Highlights Include:

• Why the banks are legally allowed to take your money and then sell it back to you (and make a handsome profit) (0:56)
• Our banking system would collapse if everyone withdrew their money all at once. It's known as fractional reserve banking, and you can learn how it started at (1:21)
• How banks make a profit off every single transaction you make with the "3 Circle Exercise" (5:04)
• Why Bank of America gets away with a 16x return on investment on YOUR savings (6:29)
• How to take out a loan with a terrible FICO credit score (8:18)

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

You've heard about NASCAR champion driver Kyle Busch's lawsuit over his Indexed Universal Life policies. And because his contract appears to have been written in an exceptionally bad way, you might think what happened to him is an isolated incident.

But the truth is, even when IUL contracts are written in the best way possible, they still carry dangers you need to know about.

In this episode I'll give you more insight into what happened to Kyle Busch, and explain why IULs aren't ideal for Infinite Banking.

Listen now!

Show highlights include:

• "Self funding" sleight of hand that tricks clients and could lose you a fortune. (2:27)
• Two inescapable variables that make IUL values impossible to predict. (4:22)
• Key advantage of Whole Life if you ever intend to stop funding your policy. (4:36)
• The illusion cast by projections that could make IULs look better than they are. (6:45)
• Surprising way AI summarized Kyle Busch's lawsuit.
• Why IBC practitioners deliberately reduce their compensation when structuring your policy. (10:02)

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

Paid-Up Additions (PUAs) aren't complicated, but the way different insurance companies handle them can be. And if you don't know how the company you plan to use does it, you could be in for a costly surprise.

That's why in this episode we'll take a closer look at the different ways companies treat PUAs, and what you need to know before you take out a contract.

I'll also show you why you can't always count on the insurance company to keep things straightened out for you.

Listen now!

Show highlights include:

• Premiums Demystified: what goes into your premium payment, and how Paid-Up Additions affect it. (1:16)
• Real-world examples of very different ways companies allow you to fund Paid-Up Additions. (1:40)
• Why blindly trusting insurance company limits can ruin your IBC plans. (5:02)
• Unexpected way catching up for skipped PUAs can change your policy. (6:32)
• Alarming reason you should never let a letter from your insurance company sit unopened on the counter. (9:45)
• Why the automatic PUA discontinuation offered by some companies is right for many clients, but might not be right for you. (10:02)

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

Imagine you pass away and the beneficiary of your life insurance policy (or other product with a beneficiary) ends up going to the wrong person.

All because your life changed, and your beneficiary should have too, but you forgot to make the changes.

It's easy to forget to keep your beneficiary up to date. But in this episode I'll explain why it's vitally important, and what can go wrong if you don't. It might keep your death benefit from ending up in unintended hands.

Listen now!

Show highlights include:

• Mindless thing most people do after listing a policy beneficiary. (1:07)
• The "411" on P.O.D.s: What "payable on death" means and why it might be better for small estates than large estates. (2:40)
• Why now is the best time to look into the probate process in your state. (4:31)
• Have a trust and an ex? Make sure you do this one thing. (5:06)
• Practical reason your parents shouldn't be your beneficiary. (5:32)
• Still want an ex to be your beneficiary? What to know–and do–to be sure your state doesn't interfere and wreck your planning. (7:31)
• Why you can't expect a new spouse to be automatically designated as your beneficiary. (8:38)

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

Getting started with Infinite Banking is exciting, but it can also make you nervous, especially if you're concerned about how to fund it. And many people are, because I'm often asked questions like "How much does it take to get started?" and "Do I need to have a lot of money up front?"

So today I'm here to help calm those nerves! In this episode, I'll walk you through those questions so you can start Infinite Banking with confidence.

Plus, I'll give you a "big picture" view of Infinite Banking so you'll be able to set up your plan with the right perspective.

Listen now!

Show highlights include:

• Why "How much do I need to get started?" is the wrong question to ask, and what to ask instead. (1:30)
• How to use Infinite Banking to avert as much income tax as possible, in retirement. (2:45)
• Common mistake that makes time your worst enemy and shortchanges your lifestyle in retirement. (4:15)
• "Boring is better" benefits that make whole life insurance very attractive. (5:20)
• The honest banker's secret to better savings accounts, better retirement funding, and better control of your purchasing power. (6:14)
• What to do if you want to get started with IBC but don't have a lump sum of cash available. (9:13)

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

Some people don't realize churches can utilize Whole Life insurance and the Infinite Banking Concept. And even fewer realize how many people in a church are eligible to be insured–it isn't just the pastor!

In this episode, I'll share the different categories of church members who can be insured and how Whole Life insurance can be a blessing to a congregation, whether they utilize the Infinite Banking Concept or not.

I'll also explain how churches can use this without fear it will hurt them financially.

Listen now!

Show highlights include:

• Disturbing "multiplier effect" banks use to make big bucks while paying you pennies in interest. (2:03)
• Simple choice you can make to help fight runaway inflation. (3:48)
• Nelson Nash's perspective on financing that forever changes how you look at purchases. (4:36)
• How Whole Life can help your church, whether you apply the Infinite Banking Concept or not. (5:31)
• Did you know this many people in a church can be insured? It's not just the pastor! (5:43)
• How to use Whole Life to help your pastor retire with dignity. (5:54)
• How a church can leverage its tax-exempt status to make Whole Life even more productive. (8:52)

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

If you're young and healthy you can be tempted to delay getting long-term disability insurance. But in addition to coverage in an unpredictable world, there are also benefits you can glean from a policy even if you never become disabled.

In this episode I'll share those benefits. And I'll tell you what to consider if you think a policy is too expensive or won't cover what you had hoped.

Listen now!

Show highlights include:

• Why employer-provided disability coverage might not be enough when you need it. (3:37)
• Ethical way to receive payment from your disability contract (with certain companies), even if you aren't disabled. (8:20)
• "Undisputed" #1 feature of disability insurance. (11:29)
• Simple reason anyone with an income should have disability coverage in force. (12:07)
• Can your emergency fund cover a long-term disability? Brutal truth revealed. (13:03)
• How to afford a disability contract that becomes unaffordable, so you can keep your coverage without going broke. (13:42)
• Are underwriters fair? How your application is processed, and what to do if you disagree with their assessment. (14:42)
  

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

You know some things can slow down accelerated underwriting. But there are also health conditions that can slow down underwriting even if it isn't accelerated.

In this episode I'm sharing common health conditions that can get in the way, and how to know whether they can be overcome or will lead to rejection.

I'll also share a simple way to "test the waters" before underwriting if you're afraid you won't get approved.

Listen now!

Show highlights include:

• How an underwriter looks at a mental health issue: When it affects your rating, and what to expect. (3:37)
• Why sleep apnea is more alarming to underwriters than it used to be. (7:00)
• What you should do immediately if you have sleep apnea but want life insurance. (8:49)
• Why cancer in your medical history doesn't automatically mean a decline for coverage. (9:51)
• Surprising reason a substandard health rating isn't as costly as you think. (11:38)
  

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)