re: Whole Life, Infinite Banking (IBC), Cash Flow

If you decide to go with a whole life contract and plan on making loans at various times throughout the policy, do your full research on the company and the contract. One thing that stands out to me is the Direct Recognition vs Non-Direct Recognition of Dividends.

I would go with a company that has non-direct recognition. Here is a link that touches on the subject LINK

I am not a fan of the UL as much as others. Although there is flexibility in the payments that is attractive, your cost of insurance increases each year you get older whereas the whole life generally has a level cost of insurance each year. So if Death Benefit is a priority and you plan on keeping the policy for your entire life keep that in mind.

If you want to dive even further into dividends as to who may pay the most and the better track record to continue to do so, I would take your top 2 or 3 companies and see what makes up their dividend each year.
What percentage of their dividend is tied to their investment portfolio?
Have they increased or decreased their dividend payment in recent years?
What are their credit ratings? (Obviously go with top rated companies with a long history)