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If you've ever wondered if you can get an Infinite Banking (IBC) policy with a smaller funding amount for cash value, the answer is yes! In this video, we explore the 10/90 and 30/70 split of base premium to PUA with smaller funding amounts.

In this video we explore smaller funding amounts with a 10/90 split and a 30/70 split of base premium to PUA. We also look at some of the other limitations which are good to be aware of with respect to Minimum Face Amount or Minimum Base Face Amount. The minimum face amount is the minimum whole life insurance death benefit that a company will allow. Guardian Life’s limitations on their L95 are $250,000 for Preferred plus health, $100,000 for Preferred health and $25,000 for all other health classes including standard non-tobacco.

The reason minimum base face amounts are important is this sets the smallest/minimum base premium amount that we can start a policy with. Then from there we can 10x the PUAs (Paid up additions) to get a PUA contribution limit. One can of course do less than 10x, but its good to know the limitations.

Alpha Crusaders LLC - As a brokerage based in Portland, Oregon, we provide customized insurance solutions and expert guidance to clients throughout the United States such as Oregon, New York, Florida, California, Washington, Michigan, North Carolina, Texas, and more!

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DISCLAIMER:
All advice and/or opinions expressed in our videos are the result of our experience in the insurance and financial industries. Any action taken based on the information expressed in our videos is the sole responsibility of the viewer. All content produced is for informational purposes only.

#finance #wholelife #insurance

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