This session clarifies practical questions around policy loans, ACB tracking, and managing cash flow within an Infinite Banking system. You will understand how to handle repayments, where excess funds can be allocated, and how to think about expanding your system responsibly. By the end, you will see how to maintain control, avoid common mistakes, and plan for long-term growth while staying flexible.

Key Moments in This Session

ACB tracking and tax reporting: clarification on how taxable events are recorded, reported, and reflected in policy statements.
Loan repayment and ACB impact: how repaying policy loans (including interest) increases ACB and improves future flexibility.
Managing excess funds and payments: options for allocating extra money, including premium deposit funds, EDO, or expanding policies.
Using policy loans responsibly: when it may or may not make sense to use loans for premiums and the importance of sustainability.
Role of term insurance in expansion: how term coverage supports future policy growth, increases EDO capacity, and protects insurability.

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