Many people wonder how infinite banking cash value returns measure up to historic stock market returns and this webinar offers some shocking insight by the numbers. You can find more on this topic here: https://www.insuranceandestates.com/stock-market-investing-as-a-zero-sum-game/
It is important at the outset to point out that whole life insurance is an uncorrelated asset, meaning its performance has nothing to do with the stock market. See https://www.insuranceandestates.com/is-life-insurance-an-asset/
Many financial entertainers will tell you that you can earn up to 12% returns in the stock market. Now, that number has been shown to be unreachable. But beyond that, most financial gurus will promote a high stock market return, when in reality the actual return is much lower, more like 5% (maybe less with taxes and fees). See https://www.insuranceandestates.com/dave-ramsey-financial-advice-good-bad-ugly/
Too often we hear the phrase, “buy term and invest the difference,” but the truth is, this is based on inflated returns and often never executed. Maybe we should switch our paradigm and start seeing whole life as the asset that it is and realize that you can use whole life as a bridge to other investments through the practice of infinite banking. See https://www.insuranceandestates.com/buy-term-invest-the-difference-btid/
A properly designed whole life insurance policy used to practice infinite banking can give you a 5% net return, plus even more if you factor in that there are no taxes due on the growth. If you die prematurely, your death benefit provides a much greater return. And the best part is there is no volatility, no stock market up and downs. See example which begins at the 7:30 mark.
From there we go to the Truth Concepts calculator illustration at the 11:40 mark. This provides a visual to see the power of infinite banking in conjunction with a properly designed whole life policy.
At the 25:00 mark we see a 20 year average of the S&P 500, which is not 12%, but rather 5.6%. However, the sequence of returns is actually 4.7%. Contrast this with the 5% net return with cash value whole life insurance.
And none of this takes into account how much your policy and net worth will grow when using your whole life insurance to practice infinite banking. See https://www.insuranceandestates.com/using-life-insurance-as-your-own-personal-bank/