This video explains what ACB is, why it matters for long-term policy loans, and how to monitor it inside your Equitable client portal. Stan shows you how ACB changes over time, when it can trigger taxes, and how to avoid that by planning ahead or using alternatives like collateral loans.

Highlights:

What ACB Is & Why It Matters (start at 00:00)
What ACB is, when taxes apply, and a straightforward example showing how taxable loans happen (and how to avoid them by repaying the difference in the same year).
Where to See Your ACB in the Client Portal (start at 05:51)
Demo of the Equitable portal showing how to compare ACB to your loan-available amount so you can make informed decisions before borrowing.
How Loan Repayments Affect ACB (start at 08:25)
Repaying policy loans raises ACB again, reinforcing Nelson Nash’s rule #3: “don’t steal the peas.”
Why ACB Declines Over Time (start at 10:18)
Simple explanation of how capitalization reduces the insurer’s risk, causing ACB to shrink as policy equity grows.
How to Avoid Taxable Loans (start at 04:36 & 12:42)
Two strategies: repay any excess in the same calendar year or use a collateral loan instead of a policy loan.
Ways to Increase Your ACB (start at 14:58)
Policy loan repayments (principal + interest) and dividends that buy paid-up additions both help raise your ACB, giving you more room before a taxable event.

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