Whole Life Banking

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 (%) ...

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...

Whole Life Banking – Comparative Illustration Calculator Whole Life Banking – Comparative Illustration Calculator Educational illustration engine: baseline policy values vs. the same policy with policy loans + higher-rate repayment treated as PUAs (split between Cash Value and Death Benefit). Not a quote, not actuarial, not a guarantee. Inputs Readable • Stacked Policy Assumptions Core Start age Projection years Annual premium / outlay ($) Pay years (7-Pay default) Base CV growth rate (guaranteed-style, %) Dividend add-on (illustrative, %, can b...

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) ...

Free energy technology imagines a system where energy never escapes the loop. There’s no heat loss, no friction, no dissipation. All the power generated stays inside the system, allowing it to run continuously without waste. Whole Life Banking is the financial version of that idea. In normal finance, wealth leaks out the same way energy leaks out of an open system: through inflation, taxes, interest to banks, market losses, withdrawals that stop compounding, and inefficient spending where incentives misalign. Every leak reduces the amount of financial energy available to grow, just as physical leaks reduce the energy that can be used to power a machine. Just like energy efficiency depends on how well inputs and outputs align, spending efficiency depends on how well the person who earns, the person who spends, and the person who benefits align. There are four ways to spend money, and each differs in efficiency based on how well personal incentives align between the payer, the chooser...