The Investing Hill I'll Die On After 20 Years in Finance

21 Jul 2026 · 1 min

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1:11

In this solo commentary, Jayson Lowe shares his 19‑year experience running a family banking system built around permanent life insurance. He manages 77 policies that provide ready access to capital without traditional income verification or credit checks. Lowe explains how he used the insurer’s cash‑value mechanism to invest $1.2 million into a business, noting that the cash value has continued to grow daily for over six years. He stresses that cash value is not the same as cash, highlighting why insurers don’t ask for the purpose of the loan. The video concludes with a call to action for viewers to learn how to become their own banker via his website learnwithjay.com.

Chapters

an opportunity tracked me down. I've been practicing this process for 19 years, 77 policies in our family banking system. We have ready access to capital. We don't have any money growing inside of our policies. We have a system that provides us with ready access to capital. So an opportunity tracked me down and cumulatively I invested $1.2 million in this business and I invested the life insurance company's money. My cash value continued rising. So for the past 2,190 days, 6 years, the cash value has continued to grow. I would explain it to somebody who really understands what I've got, that the strength of my insurance contracts continued to grow every single day. The life insurance company didn't ask me, what do you need $1.2 million for? The reason they don't ask me what I need the money, their money, The reason they don't ask me for income verification or credit check or anything like that is exactly why cash value is not money. Want to find out more about how you can become your own banker? Click the link below or head over to learnwithjay.com. That's learnwithjay.com.