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

I don't subscribe to IBC.

When you overfund the life policy you are prepaying for the paid-up addition of the future death benefit. The paid-up addition on the base amount is what is creating the higher dividend accumulation, not the paid-up addition cash purchase.

It has never computed to be to my advantage to pre-pay for the paid-up addition, but it is to my advantage to purchase the policy base benefit as large as possible and leave cash elsewhere for liquidity.

The eventual cash in the base policy increases substantially to be utilized for investment moves and the income tax free dividend will be useful at my retirement.

The income tax free death benefit will cover my eventual spending of assets as the "leverage". This is part of my plan.

Bring on the downvotes for knowing what I'm doing.