2026 Infinite Banking: How to Build Cash Value with Whole Life (90/10 vs 50/50) + Policy Loans

📚 Unlock the secrets to building wealth! My book and 12-module Masterclass cover everything I’ve learned about passive investing and creating financial freedom. Watch it on-demand for FREE: http://thewealthelevator.com/master 🤝 Join the Hui Deal Pipeline Club and get a one-on-one call with me to discuss your investment goals: https://thewealthelevator.com/club This webinar introduces infinite banking/accredited investor banking using properly designed whole life insurance as a liquid, asset-protected “cash value” tool that can be borrowed against to invest while the full cash value continues to grow. The presenter explains why configuration matters—minimizing the insurance/base premium (often ~10%) and maximizing paid-up additions (PUAs ~90%) to reduce fees and commissions, improve early liquidity, and reach a faster break-even point. It contrasts a 90/10 design versus a 50/50 design, discusses dividends, tax-free loans/withdrawals, MEC limits, underwriting, policy loan rates (~4–6%), and use cases such as funding deals, emergency reserves, education funding, retirement income, mortgage payoff decisions, and legacy planning. A licensed, non-captive agent joins to explain illustrations, funding flexibility, and scenarios like “flash funding” after liquidity events. 00:00 Infinite Banking Overview 01:21 Why Replace the Bank 03:00 Whole Life vs Term 04:41 Core Policy Benefits 07:00 Loans and HELOC Analogy 10:43 Emergency Fund and Protection 11:28 Whole Life Scam Debate 12:08 Premium Split Secret Sauce 18:27 PUAs and MEC Limits 22:32 How to Use the Policy 30:49 Policy Illustration Break Even 33:02 Flash Funding New Setup 33:55 Choosing Carriers and Agents 36:10 Riders Underwriting and Timing 38:01 Advanced Triple Dip Ideas 38:38 Leverage With Safe Assets 39:13 Growth Years Deal Funding 40:42 Liquidity Uses And Expenses 41:13 Endgame Retirement And Protection 41:48 Funding Options For New Investors 42:34 Policy Loans Versus HELOC 47:41 Accredited Investor Banking 48:22 Courses Community And Trifecta 51:13 Advanced Home Purchase Strategy 53:12 Teaching Kids Controlled Debt 54:22 Break Even And Policy Review 55:43 Policy Design 10 90 Explained 01:00:57 MEC Limits And Flexibility 01:04:14 Costs Liquidity And Break Even 01:06:44 Carrier Choice And 50 50 Compare 01:09:23 Infinite Banking Fees 01:11:01 Policy Design Levers 01:11:52 Liquidity Versus Growth 01:13:15 Best Use Cases 01:20:21 Stacking Policies Strategy 01:24:12 Buy Borrow Die Explained 01:25:41 Loans Rates And Flexibility 01:28:01 Break Even Benchmarks 01:29:21 Windfall Funding Options 01:31:13 Qualifying And Insurability 01:32:52 Paid In Advance Premiums 01:35:58 Final Thoughts And Next Steps Connect with me: LinkedIn: https://www.linkedin.com/in/lanekawaoka/ Facebook: https://www.facebook.com/TheWealthElevator Instagram: https://www.instagram.com/TheWealthElevator Lane Kawaoka is a developer and multi-family syndicator who owns 10,000+ rental units and is the leader of “Hui Deal Pipeline Club” which has acquired over $2.1 Billion AUM of real estate by syndicating over $200 Million Dollars of private equity and most importantly distributed more than $45M back to our investors since 2016. Check out our Top-50 Investing Podcast, The Wealth Elevator. Hosted on Acast. See acast.com/privacy for more information.