What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

JLM Wealth Strategies

Home
United States
Dublin, CA
JLM Wealth Strategies

If you care about the future of this country and your family, arm yourself with knowledge and fight

06/19/2023

THE FIFTH EDITION PODCAST
EPISODE 68: How Much Life Insurance Can You Have?

With funding life insurance for IBC, a little-know fact is that you can only buy so much.

Many people are already familiar with MEC (Modified Endowment Contract) limits that limit how much premium you can pay relative to the death benefit. But there is also a limit on how much total death benefit you can buy.

The insurance companies will only underwrite you for a maximum amount based on your income and/or net worth.

For example, if your lifetime income and/or net worth is $2M, the insurance company will not sell a $20M policy.

This creates yet another set of tradeoffs that need to be understood when designing a whole life insurance policy for The Infinite Banking Concept.

EPISODE 68 LINK:
https://www.thefifthedition.com/how-much-life-insurance-can-you-have/

06/05/2023

THE FIFTH EDITION PODCAST
EPISODE 67: 1035 Exchanges and Infinite Banking

Real estate investors are familiar with the idea of a 1031 exchange that allows them to exchange like-for-like value from one real estate asset to another without paying capital gains tax. Similarly, you can exchange permanent life insurance polices using a 1035 exchange without creating a tax obligation.

While 1031 and 1035 exchanges are similar in spirit, because life insurance is an actuarial product, there are unique and significant tradeoffs that need to be considered when exchanging life insurance policies.

EPISODE 67 LINK:
https://www.thefifthedition.com/1035-exchanges-infinite-banking/

04/11/2023

THE FIFTH EDITION PODCAST
EPISODE 66: IBC Principles for Whole Life Insurance PUA Riders

The Paid Up Additions (PUA) rider is one of the most well-known components of an "IBC-Style" whole life insurance policy.

Most people think PUA = Cash value. And while it can look this way in an illustration, that's not exactly true.

On this episode, we discuss the often misunderstood PUA rider, base-to-PUA premium ratios, and how designing policies with PUA as the primary (or only) focus can lead to significantly constrained and smaller policies.

Tune in and learn to love the base (premium)!

EPISODE 66 LINK:
https://www.thefifthedition.com/ibc-principles-of-whole-life-insurance-pua-riders/

04/11/2023

Latest Feedback of The Fifth Edition podcast.

03/28/2023

THE FIFTH EDITION PODCAST
EPISODE 65: What Problems Does Infinite Banking Solve?

On this episode, we talk about this and many other problems The Infinite Banking Concept solves. By having access to capital and being able to finance our own purchases and investments in a strategic manner, we kill many proverbial birds with a single financial stone.

EPISODE 65 Link
https://www.thefifthedition.com/what-problems-does-infinite-banking-solve/

03/17/2023

THE FIFTH EDITION PODCAST
EPISODE 63: Recent Policy Loan Rate Increases

With current rising interest rates, many carriers have similarly raised the interest rates on policy loans. Many whole life policy owners are wondering how this will affect their practice of The Infinite Banking Concept ®.

On this episode we talk about policy loan rates and what to expect with whole life insurance dividends as interest rates rise.

EPISODE 63 Link
https://www.thefifthedition.com/policy-loan-interest-rate-increases/

03/06/2023

THE FIFTH EDITION PODCAST
EPISODE 62: LIFE INSURANCE IS NOT AN INVESTMENT

Unlike your typical investing, whole life insurance must be looked at in a different light.

Life insurance is not an investment and it never has been. The good news is that, while life insurance is not an investment, what it actually is makes all of your investments perform even better.

Tune in to this one and get a better understanding of how life insurance can play an important part in your overall financial life.

EPISODE 62 Link
https://www.thefifthedition.com/life-insurance-is-not-an-investment/

03/02/2023

THE FIFTH EDITION PODCAST
EPISODE 61: GROCERY STORE ANALOGY

On this episode, we discuss the Grocery Store Analogy as a foundation to understanding The Infinite Banking Concept®.

EPISODE 61 Link
https://www.thefifthedition.com/ibc-grocery-store-analogy/

02/20/2023

THE FIFTH EDITION PODCAST
EPISODE 60: Short Pay vs. Long Pay Whole Life Policies

One of the most valuable traits an IBC practitioner can have is patience - you need to be able to “think long range”, as Nelson put it.

This is a hotly debated topic amongst life insurance agents and there is a lot of confusing, contradictory advice out there. On this episode, we are going to weigh in on the matter and help explain these policy design approaches and how they pertain to the Infinite Banking Concept®.

Remember, everything in the insurance business is a tradeoff between cost and risk. There is no free lunch. So what are the tradeoffs when it comes to short-pay and long-pay policies for the purposes of deigning a whole life insurance policy for IBC?

This is super-important information so please give this one a listen!

LINK TO EPISODE 60:
https://www.thefifthedition.com/ibc-whole-life-insurance-short-pay-vs-long-pay-policies/

02/15/2023

I am happy to share this latest 5 star review from Michael Gallegos.

02/14/2023

If you wish to know more about whole life for IBC, then get started by scheduling a private and no-obligation consultation with an Authorized Infinite Banking Practitioner at www.ibc.guru

02/09/2023

The FIFTH EDITION PODCAST

EPISODE 59 : The Life Insurance Application Process

Applying for life insurance can be somewhat daunting but it doesn't have to be. With an experienced advisor it is possible to navigate the underwriting process with ease. Even if you have some pre-existing conditions.

Tune in to this episode and learn all about the application process for IBC whole life.

Enjoy listening episode 59 here:
https://www.thefifthedition.com/the-ibc-life-insurance-application-process/

Address

11960 Silvergate Drive, Ste 102
Dublin, CA
94568

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+18552082794

Website

http://www.JLMWealthStrategies.com/

Alerts

Be the first to know and let us send you an email when JLM Wealth Strategies posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to JLM Wealth Strategies:

Shortcuts

Address
Telephone
Opening Hours
Alerts
Contact The Business
Claim ownership or report listing

Want your business to be the top-listed Finance Company in Dublin?

JLM Wealth Strategies

06/19/2023

06/05/2023

04/11/2023

04/11/2023

03/28/2023

03/17/2023

03/06/2023

03/02/2023

02/20/2023

02/15/2023

02/14/2023

02/09/2023

Address

Opening Hours

Telephone

Website

Alerts

Contact The Business

Shortcuts

Share

Category