Richard CanfieldPodcast Host and IBC Advisor, Ascendant Financial · Authorized Infinite Banking Practitioner | Author of 4 Books

Become An Owner: Insurance Companies Never Lose

29 Apr 2025 · 1 min

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A short transcript excerpt from Richard Canfield's April 29, 2025 YouTube video arguing that life insurance companies are extremely solvent and profitable. The speaker emphasizes that policyholders effectively become co-owners who benefit from the business producing double-digit returns on policyholders' equity and notes the effects of paying only the minimum premium after year five.

Chapters

Life insurance companies remain the most financially solvent institutions on the planet. They're going to be just fine. They're making plenty of money. Double digit returns on policyholders equity. If you know that you can get into a business that is producing double digit returns on policyholders equity and you become a policyholder, you become a co owner of the company producing double digit returns on policyholders equity, how much capital do you not want flowing there? To add to your point where you demonstrated, you said, hey, I just want to show you what happens after year five. If all you did was pay the minimum required premium or you just didn't have any additional capital outlay.