06/19/2026
"Why would you pay interest to use your own money?" It's a fair question. Here's the answer most people have never heard.
You're not actually using your own money. The moment you pay a premium, it's no longer your money. Cash value in a dividend-paying whole life policy isn't money; it's the value of the contract at any given moment that the insurance company is willing to lend against.
So, when you need capital, they lend you their money using your policy as collateral, on demand, on your terms. And your cash value, which isn't money, keeps growing daily in the background the entire time.
Jayson Lowe has been practicing this since 2008. 77 policies. $1.5M in annual premium.
Full breakdown in the FIRST comment.