Roman – Case study – Don’t Be Afraid Of Taking Loans
What This Covers
A real client scenario showing how fear of loans can block policy growth, and how using your system properly (even for large purchases) keeps your wealth compounding. Roman walks through Andrea’s case to illustrate the mindset shift from borrower to banker.
Why Clients Use It
To overcome emotional blocks about taking loans
To learn how and why to fully fund a policy’s additional deposit room
To see how policy loan timing affects dividends, cash value, and death benefit
To grasp the long-term cost of spending cash outside the system
Key Insights by Timestamp
(00:00 – 01:20)
Andrea was hesitant to take loans, so she wasn’t maximizing her policy’s additional deposit opportunity.
Reminder: You can’t carry forward unused room after the anniversary. Lost capacity is lost forever.
(01:20 – 03:35)
Infinite banking is a process, not just a product.
If you’re already spending cash, do it through your policy. This keeps your money growing.
Use loans for daily spending, debt recapture, or big purchases instead of draining cash.
(04:12 – 05:50)
Andrea had zero debt but “hated loans.” This mindset kept her from using her system effectively.
Not repaying loans = running a bank with empty shelves. Pay loans back to keep your system efficient.
(07:59 – 09:14)
Andrea planned to spend $50,000 cash to buy land. She forgot she was the banker.
Policy loans don’t mean losing money; they keep your capital working and under your control.
(11:10 – 13:44)
Final plan: Andrea paid $40,000 into her policy, borrowed the same amount, and bought the land.
Outcome: No growth interruption, full control, and immediate access to dividends and loanable value.
(13:44 – 15:49)
Funding $47K in additional deposits created up to $200K in instant death benefit.
Future dividends and daily cash value growth also increased substantially.
(17:06 – 18:43)
Timing matters: funding early in the policy year leads to bigger dividends.
Delaying contributions means missing out on months of compounding and growth.
(18:43 – 19:45)
Every future dividend is impacted by your past behavior. Consistently funding early has a multiplying effect.
Your results depend more on your decisions than on the insurance company.