by Valerie LaRoque
Having a safe and secure retirement feels impossible today. With inflation, higher taxes, volatile stock, and property markets, it’s overwhelming, isn’t it? And the banks and government aren’t going to help you. We all know this. That’s the bad news. The good news? You can live a debt-free life and retire with a sizable nest egg. In fact, this is easy — so long as you don’t rely on the government and the banks. Valerie LaRoque, your host, is an authorized IBC Practitioner (with the Nelson Nash Institute).. Listen to the Infinite Banking Mastery podcast where you will discover the power of the Infinite Banking Concept (IBC). Grow a tax-free pool of cash. Take full control over your financial future. And most importantly, build your legacy.
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Publishing Since
12/17/2022
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April 17, 2025
<p dir="ltr">You know you can borrow against the cash value of your Whole Life insurance policy. But you’re thinking about a conventional loan like a mortgage or a HELOC. Will your life insurance loan be a red flag to the bank? How much will it matter? </p> <p dir="ltr">In this episode I’ll explain how the banks really view life insurance loans, and why you shouldn’t let one scare you into thinking you couldn’t get a conventional loan.</p> <p dir="ltr">I’ll also share a little more on last week’s topic to help you appreciate the importance of having your own life insurance policy that’s yours no matter where you are or what you’re doing.</p> <p dir="ltr">Listen now!</p> <p dir="ltr"><strong>Show highlights include:</strong></p> <ul> <li dir="ltr" role="presentation">Why you’re skating on thin ice if you only have insurance coverage from your employer. And what to do before you find yourself underwater. (2:07) </li> <li dir="ltr" role="presentation">What to look for in life insurance explained in one minute. (3:25)</li> <li dir="ltr" role="presentation">Fine print to look for so you can know if that Term Life plan is flexible enough to convert into permanent coverage you’ll actually want. (3:57)</li> <li dir="ltr" role="presentation">Why banks don’t care how much you’ve borrowed from your life insurance. (7:29)</li> <li dir="ltr" role="presentation">Unique insurance company practice that confuses loan officers at conventional banks. How to keep it from derailing your loan application. (9:01)</li> <li dir="ltr" role="presentation">How to leverage the benefits of Whole Life insurance and build your credit at the same time. (10:05)</li> </ul> <p dir="ltr">Reach out to me:</p> <p dir="ltr"><a href="mailto:[email protected]" target= "_blank" rel="noopener">[email protected]</a></p> <p dir="ltr"><a href= "https://www.linkedin.com/in/valerie-laroque-lacp-b569509" target= "_blank" rel= "noopener">https://www.linkedin.com/in/valerie-laroque-lacp-b569509</a>Infinite Banking Mastery (<a href="https://infinitebankingnorthwest.com/" target="_blank" rel= "noopener">infinitebankingnorthwest.com</a>)</p>
April 10, 2025
<p dir="ltr">You know life insurance is important, but you’ve been putting it off.</p> <p dir="ltr">Waiting until you can afford a Whole Life policy, instead of just Term…</p> <p dir="ltr">Or until you can qualify for a better health rating…</p> <p dir="ltr">Maybe you’re “on the fence” about Infinite Banking and want to sort it all out before putting money into an insurance policy.</p> <p dir="ltr">Whatever the reason, if you don’t have life insurance this episode is for you. I’ll explain why the risks of waiting are so great that not having life insurance is something you need to fix immediately.</p> <p dir="ltr">Listen now!</p> <p dir="ltr"><strong>Show highlights include:</strong></p> <ul> <li dir="ltr" role="presentation">Now or later? Why you should get life insurance even if you’re still undecided about implementing the Infinite Banking Concept. (1:01)</li> <li dir="ltr" role="presentation">When getting Term Life insurance might be better than a Whole Life policy. (2:32)</li> <li dir="ltr" role="presentation">How Term insurance today can save you a troubling medical exam later. (2:56)</li> <li dir="ltr" role="presentation">Can you get new life insurance after surviving cancer? Maybe, but you shouldn’t count on it. (3:10)</li> <li dir="ltr" role="presentation">Why life insurance is critical for small business owners. (5:38)</li> <li dir="ltr" role="presentation">How GoFundMe campaigns fall short, and why you shouldn’t depend on them despite their wonderful intentions. (9:32)</li> <li dir="ltr" role="presentation">Surprising reason to get disability coverage, even if it excludes a problem you already have. (10:57)</li> <li dir="ltr" role="presentation">Why locking in coverage at a lower health rating–and higher premium–is better than waiting until your health improves. Even if it really does! (12:22)</li> </ul> <p dir="ltr">Reach out to me:</p> <p dir="ltr"><a href="mailto:[email protected]" target= "_blank" rel="noopener">[email protected]</a></p> <p dir="ltr"><a href= "https://www.linkedin.com/in/valerie-laroque-lacp-b569509" target= "_blank" rel= "noopener">https://www.linkedin.com/in/valerie-laroque-lacp-b569509</a>Infinite Banking Mastery (<a href="https://infinitebankingnorthwest.com/" target="_blank" rel= "noopener">infinitebankingnorthwest.com</a>)</p>
April 3, 2025
<p>You know it’s important to have money in the later years of your life. And you might think the conventional wisdom must be the safe way to go.</p> <p>But you need to listen to this episode first! I’ll explain why following the crowd might be the worst thing you could do, and what to consider before making that decision.</p> <p>Listen now!</p> <p><strong>Show highlights include:</strong></p> <ul> <li>Why it’s a mistake to view Whole Life Insurance companies as carbon copies of one another. (1:05)</li> <li>How Whole Life companies are defying the stereotype of being “behind the times” with technology. (1:45)</li> <li>“Co-owner Effect” you must achieve with a mutual company. Walk away if they don’t do this! (2:19)</li> <li>How to lose 30% of your life savings in just one month, without going to Las Vegas. (3:34)</li> <li>Shocking realization from the 2008 market collapse that forever changed my perspective on client advice. (5:02)</li> <li>Simple exercise to counteract stress’s physical impact on your body. (6:01)</li> <li>Pensions are vanishing in the U.S. Here’s how to make your own. (7:54)</li> </ul> <p>Reach out to me:<br /> <a href="mailto:[email protected]" target="_blank" rel= "noopener">[email protected]</a><br /> <a href="https://www.linkedin.com/in/valerie-laroque-lacp-b569509" target="_blank" rel= "noopener">https://www.linkedin.com/in/valerie-laroque-lacp-b569509</a><br /> Infinite Banking Mastery (<a href= "https://infinitebankingnorthwest.com/" target="_blank" rel= "noopener">infinitebankingnorthwest.com</a>)</p>
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