Whole Life Banking™ - The Whole Truth

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Federal Reserve Interest Rates Calculator

Whole Life Banking — Rate Linkage & Loan Strategy (Simplified) Whole Life Banking — Rate Linkage & Loan Strategy Calculator Simplified: you edit only the core drivers. Policy-loan and bank-loan rates are auto-derived from Fed rates + spreads. PUA is calculated (not editable). Educational model only. 1) Fed Rate Linkage Inputs Editable: Discount + spreads (or Funds/Prime override) Discount ↔ Funds ↔ Prime Preset Typical modern regime Tight credit / crisis Loose credit Custom (manual) Federal Discount Rate (%) ...
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Whole Life Banking Policy Calculator

Whole Life Banking – 7-Pay Example Calculator Whole Life Banking – 7-Pay Example Calculator Enter an annual premium to see an illustrative 7-pay Whole Life Banking policy. Premiums are paid for the first 7 years only. Cash value and death benefit are scaled from a sample policy and extended to 30 years with simplified growth. This is educational only , not an actual quote or guarantee. Annual premium (money deposited) Calculate Optional: Policy Loan & Over-Repayment Extra interest you choose to pay above the company’s loan rate is treated as Paid-Up Additions (PUA) in the year the loan is fully repaid. PUAs boost both cash value and death benefit. Loan year Loan amount Policy loan rate (%) Your repay rate (%) Loan term (years) ...
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Whole Life Banking vs Conventional Banking Calculator

Whole Life Banking™ vs Conventional Banking Same income. Same purchase. Different banker. This calculator shows how bank interest you normally export can be recaptured, used to buy Paid-Up Additions, and compound inside a Whole Life Banking policy. Basic Inputs Monthly Deposit / Premium Loan Amount (purchase financed) Loan Term (months) Rates Bank Savings Rate (annual %) Policy Cash Value Rate (annual %) Bank Loan Rate (annual %) Tax, Inflation & PUA Income Tax on Bank Interest (%) Inflation Rate (% per year) PUA Cash Value Factor (% of PUA to cash value) PUA Death Benefit Facto...
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