In this episode, we ask:

• Who needs to hear this?
  
• Where else can you get an asset that grows every single year?
  
• What did Pamela Yellen say?
  
• Would you like to take her up on the challenge?
  
• Where is the loan coming from?
  
• What are the benefits?
  
• What about getting the money out tax free?
  
• Why does the insurance company charge interest in the first place?
  
• How much interest do you have to pay on a policy loan?
  
• When do you owe the interest to the insurance company?
  
• What are the tax benefits of loan interest?
  
• When you take out a loan against a life insurance policy, don’t you have to pay the interest back?
  
• What about taking out your very first policy loan?
  
• Why are rising interest rates a good thing for policy holders?
  
• What is the difference between simple and compound interest?
  
• What about calculating loan interest in arrears?
  
• What about an example?
  
• How is this different from an annual percentage rate or APR?
  
• What is the actual cost of the loan?
  
• What really matters?
  
• What is the cause?
  
• What is the effect?
  
• What about another example?
  
• How did Mark get that number?!
  
• Is your policy continuing to grow?
  
• What can you reasonably expect?
  
• How are Bank on Yourself® type life insurance policies designed differently from other life insurance policies?
  
• Who can properly design Bank on Yourself® type life insurance policies?
  
• Are your policies designed properly?
  
• Is the devil in the details?
  
• What about non-direct recognition policy loans?
  
• Who is breaking compound growth?
  
• Would you like to meet with Mark or a colleague of Mark’s?
  
• Who charges us interest?
  
• Who gets access?
  
• What grows?
  
• What is the insurance company doing?
  
• What is going on with loan interest rates?
  
• What are the responsibilities of the insurer?
  
• Would you like to hear Episode 128?
  
• How might the insurers make the best choices for their owners?
  
• What does the contract state about policy loan interest rates?
  
• How is the rate calculated?
  
• What is the actual APR?
  
• What about variable rates?
  
• How are life insurance policy loans different from other types of loans?
  
• What are the key differences for life insurance policy loan rates?
  
• Will the policy lapse?
  
• What happens when the rates rise?
  
• Why is Mark thrilled?
  
• Will your policy grow faster, too?
  
• What about a hypothetical scenario?
  
• Does this translate into higher profit distributions?
  
• How does this affect cash value?
  
• Does a Bank on Yourself® type life insurance policy still work if you don’t take policy loans?
  
• What are the benefits?
  
• What do policy owners receive?
  
• What happens when you pay down a policy loan?
  
• What options do you have?
  
• What happens with an outstanding policy loan balance upon the insured’s death?
  
• How is your policy helping to add security and confidence to your future?