Most people think there’s a “perfect” Infinite Banking policy, but what if that belief is exactly what’s setting them up to fail? In this episode, Russ and Joey break down one of the most misunderstood questions in Infinite Banking: Is there such a thing as the perfect policy design? Instead of giving a one-size-fits-all answer, they reveal why the right design depends entirely on your goals, timeline, and financial situation. They walk through the two key levers that shape every policy—base premium and paid-up additions (PUA)—and explain how each impacts cash value growth, death benefit, and long-term performance.
