Jayson Lowe
speaker
79 appearances
1 recordings
1 series
first heard Feb 2025
last heard Feb 2025
Jayson Lowe’s voice in public audio — every appearance, attributed to the second.
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When you implement the infinite banking concept and you do it the way that my late mentor intended and you make it ridiculously simple and you don't sensationalize it, you become all four characters in the financial play. You're the depositor. You pay premium. You're the borrower. You're the one accessing policy loans. You're the banker because you control the repayment schedule.
That's money on demand on your terms. You're the banker. You're the bank owner because when the insurance company produces a divisible surplus called positive net income, that divisible surplus must be distributed to the owners of the company. And in this case, we're dealing with a mutual life insurance company. There are no stockholders to participate in that.
So when you become all four characters in the financial play, what a peaceful, stress-free way of life it is financially. Yeah. And it's not Nelson. He never said, hey, I want you to be the bank. He didn't want anybody to become a bank in the conventional sense of the word. He wants you to control the banking function as it relates to your needs because someone must do that.
How are you doing, Justin? It's great to be with you.
That's a great question. You know, we've been working with, uh, people across America, people across Canada since 2008. So we've been, you've been a real estate investor the past 18 years. Did I hear that right?
Can I get $5? Okay, there you go. You just got it. But through the infinite banking concept, that's what we've been specializing in all this time. And real estate investors love it because they get to control how they borrow capital, how they invest it. They get to repay loans on their terms, not someone else's. They get their money working for them instead of the banks.
The banks and the government are the last two entities that real estate investors want their money working for.
Well, I would say first and foremost, banks are not your friend. I mean, let's, let's be honest. Uh, they're, they're just not. And they create money where no money existed before. That would be like me pouring you a glass of whiskey, drinking it myself and charging you for it. It doesn't make great analogy. It doesn't make any sense.
And, but the fundamental truth is, is that your money must reside somewhere. And through the infinite banking concept, there's no better place to have it reside than in the form of dividend paying life insurance contracts, where you essentially become the banker as it relates to your needs. You get ready access money on demand.
The real estate investors, Justin, that I work with, they owe a lot of money. And so whether they're flipping or whether they're buying multifamily, they're in a long-term buy and hold scenario, they owe a lot of money. And when a ready access opportunity of a high caliber shows up, The real estate investor either has to joint venture to raise capital to take advantage of it. That takes time.
But if you can pounce on high caliber opportunities when they track you down, then that creates a significant advantage for you in building your wealth. And you don't have to have money flow through the banking system, which is exactly what's been creating the financial mess lately. That we find ourselves in, just look no further than the central banking system. It's a horrible mess. Yeah.
And the people that I talk to, they say, you know, I feel like there's something fundamentally wrong out there financially. Sure. I just can't quite put my finger on it. Sure.
Well, the better play is to pay premium into high cash value dividend paying life insurance contracts. You become a co-owner of the life insurance company the moment that you initiate a contract. You've got a guaranteed death benefit, which matters.
We've had to deliver a disproportionate number of death benefit claims to families, and we've never had a grieving family say that they had hoped the check was for less or that it was taxable. And you get contractually guaranteed daily buildup of cash value that you can borrow against without interrupting any of its ongoing compounding on demand on your terms.
So if you know that there's a place that your money can reside, where you can contribute almost unlimited sums, you pay no tax on the daily buildup, zero tax. You get ready access capital on demand on your terms. You pay no tax on the death benefit proceeds. You've got no government hovering over that asset with a giant knife and fork waiting to consume it.
How much of your capital do you not want residing there?
A thousand percent. If you and I got together with another real estate investor and we were presented with the very same high caliber opportunity. And that outside real estate investor had to borrow capital from the books of someone else's bank to participate in that opportunity. A, that's great. They got to achieve the objective. They got to participate in the opportunity.
Whereas you and I, we request a policy loan from the life insurance company to participate in the very same investment opportunity. You and I are going to come out ahead all day, every day. The other real estate investor can't compete. Because the other real estate investor has no ongoing compounding of capital.
My cash value and your cash value continues rising daily while the real estate investment is appreciating in value. And we used the life insurance company's money to capitalize it. And when you contrast that with any other way of financing a project...
any real estate investor that we work with would never say to you, gosh, you know, I wish it would have taken longer for me to get access to capital for that opportunity. And man, I just don't feel like I'm taxed enough. And gosh, I wish it was just even more stressful to... I mean, the other part is tax-free, right?
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