Author | Lightnews

The Hidden Reserve @thehiddenreserve.bsky.social · Jun 24

You can finance from your own system using a high cash value whole life policy. No bank, no credit checks, no delays. Build control and keep your money growing.

#wholelife #cashvalue #termlife #lifeinsurance #cashvaluelifeinsurance #infinitebanking #wholelifeinsurance #money

The Hidden Reserve @thehiddenreserve.bsky.social · Jun 23

IULs are tied to the market and come with moving parts, rising costs, and no guarantees making them a risky fit for a strategy that’s supposed to be built on stability.

#wholelife #cashvalue #lifeinsurance #cashvaluelifeinsurance #infinitebanking

The Hidden Reserve @thehiddenreserve.bsky.social · Jun 21

Whole life insurance is often misunderstood. But when properly setup, it’s one of the most powerful, stable, and strategic assets you can own.

#wholelife #cashvalue #termlife #lifeinsurance #cashvaluelifeinsurance #infinitebanking #wholelifeinsurance #money

The Hidden Reserve @thehiddenreserve.bsky.social · Jun 20

Whole life insurance is often misunderstood. But when properly setup, it’s one of the most powerful, stable, and strategic assets you can own.

#wholelife #cashvalue #termlife #lifeinsurance #cashvaluelifeinsurance #infinitebanking #wholelifeinsurance #money

The Hidden Reserve @thehiddenreserve.bsky.social · Jun 19

When I first got into life insurance, I was sold hype over truth. No one taught me how whole life actually works or how to protect clients the right way. This is the content I wish someone gave me on day one.

#wholelife #cashvalue #termlife #lifeinsurance #cashvaluelifeinsurance #infinitebanking

The Hidden Reserve @thehiddenreserve.bsky.social · Jun 18

Policy loans from an IUL are generally tax-free as long as the policy stays in force. But if it lapses with an outstanding loan, the IRS treats the borrowed amount as taxable income.

#wholelife #cashvalue #termlife #lifeinsurance #cashvaluelifeinsurance #infinitebanking #wholelifeinsurance #money

The Hidden Reserve @thehiddenreserve.bsky.social · Jun 17

If you're tired of bank approvals, paperwork, and inflexible terms, there’s a better way. U.S. manufacturers can use a properly structured whole life policy to create their own private financing system.

#wholelife #cashvalue #termlife #lifeinsurance #cashvaluelifeinsurance #infinitebanking

The Hidden Reserve @thehiddenreserve.bsky.social · Jun 16

Whole life insurance is an uncorrelated asset that offers guaranteed returns no matter what happens in the market.

#wholelife #cashvalue #termlife #lifeinsurance #cashvaluelifeinsurance #infinitebanking #wholelifeinsurance #money

The Hidden Reserve @thehiddenreserve.bsky.social · Jun 14

With a whole life insurance policy, you can leave a guaranteed, income tax-free gift to your church. No probate, no delays. It’s a powerful way to impact the Kingdom long after you're gone.

#wholelife #cashvalue #termlife #lifeinsurance #cashvaluelifeinsurance #infinitebanking #wholelifeinsurance

The Hidden Reserve @thehiddenreserve.bsky.social · Jun 13

If you’ve got $100K sitting idle and eroding to inflation, consider repositioning some of it into a properly structured whole life policy. It becomes a strategic asset giving you and your company liquidity, growth, protection, and long-term control.

#wholelife #cashvalue #termlife #lifeinsurance

The Hidden Reserve @thehiddenreserve.bsky.social · Jun 12

Why send interest to a bank when you could keep it in your own system? With a properly designed whole life policy, business owners can finance equipment and earn uninterrupted growth on their terms.

#wholelife #cashvalue #termlife #lifeinsurance #cashvaluelifeinsurance #infinitebanking

The Hidden Reserve @thehiddenreserve.bsky.social · Jun 11

If you're a manufacturer tired of relying on banks, you can build your own private financial system using a properly structured whole life policy. It gives you control, access to capital, uninterrupted growth, and a long-term strategy without the banks.   #wholelife #cashvalue #lifeinsurance

The Hidden Reserve @thehiddenreserve.bsky.social · Jun 10

A CVLOC (Cash Value Line of Credit) is a loan you take from a bank using the cash value in your life insurance policy as collateral.

#wholelife #cashvalue #termlife #lifeinsurance #cashvaluelifeinsurance #infinitebanking #wholelifeinsurance #money

The Hidden Reserve @thehiddenreserve.bsky.social · Jun 9

If you're a real estate investor who loves leverage but not the bank... a properly designed whole life policy can give you private, flexible funding. Use policy loans to access capital without credit checks or delays while your money keeps growing.

#wholelife #cashvalue #termlife #lifeinsurance

The Hidden Reserve @thehiddenreserve.bsky.social · Jun 8

If you're a manufacturer, there’s a way to finance equipment without being at the mercy of banks. By building cash value in a whole life policy, you can create your own source of capital on your terms, with uninterrupted growth.

The Hidden Reserve @thehiddenreserve.bsky.social · Jun 7

If you're heavily involved in day-to-day operations, your sudden death could leave your business in crisis. A properly structured life insurance plan can protect your team, fund succession, and preserve everything you’ve built.

#wholelife #cashvalue #termlife #lifeinsurance #cashvaluelifeinsurance

The Hidden Reserve @thehiddenreserve.bsky.social · Jun 6

If you're a business owner with months of expenses just sitting in the bank, you might be missing out. By redirecting a portion into a properly structured whole life policy, you can maintain liquidity while putting that cash to work with guarantees, growth, and long-term control.

The Hidden Reserve @thehiddenreserve.bsky.social · Jun 4

With a direct recognition policy loan, the insurance company adjusts the dividend on the portion of your cash value that’s being borrowed. That means your borrowed funds may earn a lower rate, or none at all, until the loan is repaid.  #wholelife #cashvalue #termlife #lifeinsurance

The Hidden Reserve @thehiddenreserve.bsky.social · Jun 2

If you have an outstanding loan when you pass away, the balance is subtracted from your death benefit. Your beneficiaries still receive the rest but the cash value itself doesn't get paid out separately.  #wholelife #cashvalue #termlife #lifeinsurance #cashvaluelifeinsurance

The Hidden Reserve @thehiddenreserve.bsky.social · May 30

IUL caps limit how much of the market upside your policy can earn. If the cap is 10% and the index grows 15%, you still only get 10%. It’s a ceiling on your growth, even when the market does better.  #wholelife #cashvalue #termlife #lifeinsurance #cashvaluelifeinsurance

The Hidden Reserve @thehiddenreserve.bsky.social · May 29

The base premium is what guarantees your death benefit, cash value growth, and policy longevity. It’s the core of every whole life policy and everything else, like riders and PUAs, is built on top of it.   #wholelife #cashvalue #termlife #lifeinsurance #cashvaluelifeinsurance #infinitebanking

The Hidden Reserve @thehiddenreserve.bsky.social · May 28

Many believe whole life insurance has no cash value for the first few years but that depends on how it’s designed. With a properly structured policy, you can build cash value starting in year one.

#wholelife #cashvalue #termlife #lifeinsurance #cashvaluelifeinsurance #infinitebanking #money

The Hidden Reserve @thehiddenreserve.bsky.social · May 28

That’s false, your cash value is not lost. It’s absorbed into the death benefit and paid out to your beneficiaries, just like home equity is realized when a house is sold.

#wholelife #cashvalue #termlife #lifeinsurance #cashvaluelifeinsurance #infinitebanking #wholelifeinsurance #money

The Hidden Reserve @thehiddenreserve.bsky.social · May 27

Yes you can buy a whole life policy for your child, locking in low rates, guaranteed coverage, and early cash value growth.   #wholelife #cashvalue #termlife #lifeinsurance #cashvaluelifeinsurance #infinitebanking #wholelifeinsurance #money

The Hidden Reserve @thehiddenreserve.bsky.social · May 26

Average IRR shows the total return from start to now spread over all years. Annual IRR tells you what the policy earned in just that specific year, giving a clearer view of short-term performance.

#wholelife #cashvalue #termlife #infinitebanking #cashvaluelifeinsurance #lifeinsurance