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

Financing an Asset That Never Drops

14 Mar 2025 · 1 min

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Short excerpt from a YouTube video by Richard Canfield arguing that, when properly structured, premium-financed life insurance behaves as a guaranteed-appreciating asset (unlike financed cars, boats, real estate, stocks, or businesses which can depreciate), and thus avoids the usual risk of becoming 'upside down' under financing.

Chapters

Anytime you finance something, the underlying asset is required to be the performance or the security behind the collateral. You finance a boat, the boat goes down in value. You're upside down. You finance a piece of real estate, the real estate goes down. That kind of thing. Two things about premium financing life insurance, if properly structured, similar to properly structuring a policy parenthetically. But if properly structured, you finance in a guaranteed appreciating asset every other time you finance anything a car, a boat, piece of real estate, a stock, a business, anything. That asset could go down value.