Cash Value is Not Cash 🙅‍♂️

When you're requesting policy loans, you're using the life insurance company's money. You're a co owner of the insurance company, but you're not using your capital. Your capital has already been deployed, it's already growing, it's multiplying. And the insurance company is responsive to the owners and has to satisfy all of those amazing contractual guarantees like daily cash value accumulation. And you pay no tax on the buildup. Ready access capital, meaning you can borrow against the cash value and get real money, which is the life insurance company's money, without interrupting any of your own cash value growth, which is just value. It's not real money.

And that's a clarifying statement that we, we have in the first chapter, is that you're not borrowing from, you're not removing your capital, you're borrowing against.