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

What Are Paid Up Additions & How Do They Work? Monday 4 PM

26 Jun 2026 · 1 min

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In this short instructional segment, the speaker explains paid‑up additions (PUAs) as single‑premium, paid‑up whole‑life insurance policies that can be layered on top of an existing whole‑life policy. Each addition instantly raises both the total cash value and the total death benefit of the policy. The speaker emphasizes the “leader” principle: the death benefit increase leads, and the cash value increase follows, creating a self‑reinforcing cycle where the new cash value generates additional dividends, which in turn boost future cash values and death benefits. By purchasing PUAs, individuals like Tim and Jack trigger a “ripple effect” that accelerates the accumulation of wealth within the policy.

Chapters

Paid-up additions. They are basically single premium paid-up whole life policies that are stacked on top of one another. They create an immediate increase in total cash value and total death benefit. Death follows the leader. Death benefit increases. What happens to the cash value? It follows the leader. Creates an unstoppable accumulation of new cash values equal the newly increased paid-up death benefit, and it increases all future cumulative dividends. By acquiring paid-up additions, Tim and Jack create a ripple effect with their money.