Episode
E99 - IBC Master Class Pt. 3: How Policy Loans Actually Work
- Published
- May 16, 2026
- Duration seconds
- 3588
- Processing state
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Summary
https://www.givesendgo.com/wrap-around-the-punt-family Book a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/options Email us at [email protected] or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE _____________________________ In this episode, Hans delivers the third installment of the IBC Master Class, walking through the mechanics of policy loans and making an urgent case for why protection must come before growth. Hans implores fathers to button up their protection plan before chasing the next moonshot investment. He then transitions into the technical heart of the episode: how policy loans actually work, why they're the most powerful lending tool available to consumers, and how this single mechanism lets you keep your money compounding while you put it to work elsewhere. Chapters: 00:00 – Opening segment 01:00 – Recap of Parts 1 and 2: cash value, base premium, PUA, and the MEC line 05:30 – A father's tragedy and a wake-up call 08:30 – Why "buy term and invest the difference" leaves families exposed 11:25 – Protect, save, grow: the proper order of operations 13:30 – The three types of economic death (Solomon Huebner) 18:35 – The Accelerated Death Benefit Rider: a free lifeline most people ignore 20:15 – Waiver of premium and how a policy becomes self-completing 23:00 – Setting up the policy loan illustration 24:35 – The three players: cash value, the insurance company, and your bank account…