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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Appearances
So that's why you need a really good coach that can be your infinite banking guide. And that's what we are at Ascendant Financial. And we're the best at what we do, bar none. And I am bragging when I say that. I love it. Like we are the best at this, bar none.
No.
Yeah, happy to do that. And thank you for bringing that up. That's something that we get asked around interest rates and growth. In the United States, the cash value of the policy is contractually guaranteed to match the death benefit by age 121 of the life insured. It's age 100 up in Canada. So every single day that you're aging, your cash value is rising.
Every premium that you pay, the death benefit permanently increases. The premiums can never go up, but the death benefit is ever increasing. Every dividend that gets declared, which once it's declared once a year is contractually guaranteed to be paid. It can't be repossessed. It can't lose value. That permanently increases the death benefit of the policy.
So Justin, if you never borrowed against the ever increasing cash value of your policy, It is going to continue growing uninterrupted. Correct. When you borrow against your ever-increasing cash value, it is going to continue growing uninterrupted. It is not the policy loan that is affecting the growth of the cash value. It's you aging daily. That's the difference. Got it.
And when we hear people use language like... I've got my money, $1 doing the job of two, or this is the secret that the wealthy don't want you to know. And, um, but you know, forgive my language, but that's all just a bunch of bullshit. Okay. You're paying premium into an insurance contract and you become a co-owner of a life insurance company that's never failed to produce a divisible profit.
And you're dealing with people who cared enough to ensure their own lives. That's the pool of owners that you're dealing with. What a great people, group of people to be in business with. Yeah. And when you borrow capital in the form of a policy loan, the cash value of the policy continues rising uninterrupted as I've mentioned. When you repay that policy loan with interest, that extra interest
Is a direct contributor to the net earnings of the insurance company that you co-own. So Justin, if you and I owned a Publix grocery store together, would we ever buy our food from Walmart? Never. Because we want our grocery store to be profitable. Right. We want our grocery store to have more money to go buy more groceries. That's right. To more captive customers, right?
So when people are introduced to the infinite banking concept in a way that It sensationalizes it. Like you can get rich buying cars. You can get rich buying real estate. You can get rich just being your own bank. That's nonsense. That's sensationalizing the message. It's ridiculously simple. Somebody has to perform the banking function in your life. There are no exceptions to that, period.
And your money's got to reside somewhere. The person that should be controlling that function of banking in your life should be you. And it's very simple to do. And you should have a good coach that can help guide you so that when you have a system of policies in place.
You're not creating a scenario where you're not only not turning out any good work with the tool, but you may end up inadvertently breaking the damn tool. And so you've got to have a good coach and a guide to help you along.
There are two forks in the road. So the first fork in the road is go directly to ascendantfinancial.com. That's our website. It's a treasure trove of great resources. But if your listeners, as I mentioned here before we got on, if they text the word bank, so if they text the word bank to 813-793-7921, that's 813-793-7921. We will courier directly to them at no cost.
No, hey, you got to pay the shipping or any of that stuff. We'll courier to them what we call a banker's vault. And it's a box of resources, including this number one bestselling book. It's a 92-page read, including... One of our bestselling quarterly books titled Don't Spread the Wealth.
Access to our private Facebook community, access to all of our resources, pre-recorded webinars, live events, our wealth accelerator package, all of that on the house at no charge. Have you ever heard someone give you the advice to give away your best stuff for free? Absolutely. We live and breathe that. We walk that walk.
And so that is just our token of gratitude to your listeners for investing a little bit of their time and making the right decision to text the word bank to that number.
Yeah, yeah. No, please trick away. Ask me anything.
But you're in a position of total control as it relates to the repayment schedule of your loans. The only reason why that is true is is because the insurance company itself guarantees the collateral for the loan. And when you borrow the capital, you're not triggering any reporting to Equifax or TransUnion. It's a private loan between you and the life insurance company that you co-own.
You have all the gold, you make all the rules. And real estate investors tell me that gives them a lot of breathing room when they have projects that run over budget, that run over schedule, that would otherwise create some very tense scenarios where they either have to repay a hard money lender and they're on the hook for that.
or they've got to repay someone else's bank and their project hasn't been flipped yet. It's not done. It's not generating positive cashflow. The life insurance company doesn't have a lien on the real estate. They place a lien on the death benefit for the loan balance. And so that puts the real estate investor in a position of total and absolute control.
What a peaceful, stress-free way of life it is when you get the banks out of your life. I mean, it's, I'm looking forward to that.
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