{"version":"1.0","type":"rich","provider_name":"Acast","provider_url":"https://acast.com","height":250,"width":700,"html":"","title":"2026 Infinite Banking: How to Build Cash Value with Whole Life (90/10 vs 50/50) + Policy Loans","thumbnail_width":200,"thumbnail_height":200,"thumbnail_url":"https://open-images.acast.com/shows/596ee8b36b3475a168b0d8f5/1776302425740-2c93fbea-f082-43d6-9cee-95e90c2a8d66.jpeg?height=200","description":"

📚 Unlock the secrets to building wealth! My book and 12-module Masterclass cover everything I’ve learned about passive investing and creating financial freedom. Watch it on-demand for FREE: http://thewealthelevator.com/master


🤝 Join the Hui Deal Pipeline Club and get a one-on-one call with me to discuss your investment goals: https://thewealthelevator.com/club


This webinar introduces infinite banking/accredited investor banking using properly designed whole life insurance as a liquid, asset-protected “cash value” tool that can be borrowed against to invest while the full cash value continues to grow. The presenter explains why configuration matters—minimizing the insurance/base premium (often ~10%) and maximizing paid-up additions (PUAs ~90%) to reduce fees and commissions, improve early liquidity, and reach a faster break-even point. It contrasts a 90/10 design versus a 50/50 design, discusses dividends, tax-free loans/withdrawals, MEC limits, underwriting, policy loan rates (~4–6%), and use cases such as funding deals, emergency reserves, education funding, retirement income, mortgage payoff decisions, and legacy planning. A licensed, non-captive agent joins to explain illustrations, funding flexibility, and scenarios like “flash funding” after liquidity events.


00:00 Infinite Banking Overview

01:21 Why Replace the Bank

03:00 Whole Life vs Term

04:41 Core Policy Benefits

07:00 Loans and HELOC Analogy

10:43 Emergency Fund and Protection

11:28 Whole Life Scam Debate

12:08 Premium Split Secret Sauce

18:27 PUAs and MEC Limits

22:32 How to Use the Policy

30:49 Policy Illustration Break Even

33:02 Flash Funding New Setup

33:55 Choosing Carriers and Agents

36:10 Riders Underwriting and Timing

38:01 Advanced Triple Dip Ideas

38:38 Leverage With Safe Assets

39:13 Growth Years Deal Funding

40:42 Liquidity Uses And Expenses

41:13 Endgame Retirement And Protection

41:48 Funding Options For New Investors

42:34 Policy Loans Versus HELOC

47:41 Accredited Investor Banking

48:22 Courses Community And Trifecta

51:13 Advanced Home Purchase Strategy

53:12 Teaching Kids Controlled Debt

54:22 Break Even And Policy Review

55:43 Policy Design 10 90 Explained

01:00:57 MEC Limits And Flexibility

01:04:14 Costs Liquidity And Break Even

01:06:44 Carrier Choice And 50 50 Compare

01:09:23 Infinite Banking Fees

01:11:01 Policy Design Levers

01:11:52 Liquidity Versus Growth

01:13:15 Best Use Cases

01:20:21 Stacking Policies Strategy

01:24:12 Buy Borrow Die Explained

01:25:41 Loans Rates And Flexibility

01:28:01 Break Even Benchmarks

01:29:21 Windfall Funding Options

01:31:13 Qualifying And Insurability

01:32:52 Paid In Advance Premiums

01:35:58 Final Thoughts And Next Steps


Connect with me:

LinkedIn: https://www.linkedin.com/in/lanekawaoka/

Facebook: https://www.facebook.com/TheWealthElevator

Instagram: https://www.instagram.com/TheWealthElevator


Lane Kawaoka is a developer and multi-family syndicator who owns 10,000+ rental units and is the leader of “Hui Deal Pipeline Club” which has acquired over $2.1 Billion AUM of real estate by syndicating over $200 Million Dollars of private equity and most importantly distributed more than $45M back to our investors since 2016.


Check out our Top-50 Investing Podcast, The Wealth Elevator.

","author_name":"Lane Kawaoka, PE"}