1 rich Libsyn https://www.libsyn.com 90 600 Buying a whole life insurance policy for infinite banking? Many agents have no idea what they're actually selling you — and it could cost you decades of compound growth. In this episode, Mary Jo breaks down the 5 things you MUST check before you sign anything, based on a real client who bought from a local agent instead of coming to her first (and what he got wrong): 1️⃣ Does it have cash value in Year 1? (If not, you bought traditional whole life — not a policy designed for infinite banking) 2️⃣ Is there a Paid-Up Additions (PUA) rider — and how flexible is it? 3️⃣ Is there term insurance riding on it, and does the death benefit drop off later? 4️⃣ Is it a dividend-paying policy, and where are those dividends going? 5️⃣ Is your agent talking about a &quot;rate of return&quot;? (If so, it's not whole life — run) Mary Jo also shares the real story of her husband's policy losing $500,000 in death benefit overnight when a level term rider dropped off — a mistake she now makes sure her clients never repeat. ⏱️ TIMESTAMPS 0:00 – Why Mary Jo won't give advice on a policy she didn't sell you 1:46 – The 5 things to check before buying a whole life policy 8:12 – How her husband's policy lost $500K in death benefit overnight 14:35 – Recap: the 5-point checklist 15:57 – Why &quot;just tell me how to use it&quot; doesn't work that way Want Mary Jo or John to review an illustration you've already been sold — or one someone's trying to sell you? Email the show. We'll tell you exactly what to watch for. 📚 Grab the books: Farming Without the Bank + Becoming Your Own Banker (bundle available) #InfiniteBanking #WholeLifeInsurance #infinitebankingsystem #infinitebankingconcept Audio Production by Podsworth Media - https://podsworth.com&amp;nbsp; Farming Without the Bank Podcast https://www.farmingwithoutthebank.com/ <iframe title="Libsyn Player" style="border: none" src="//html5-player.libsyn.com/embed/episode/id/42421675/height/90/theme/custom/thumbnail/yes/direction/forward/render-playlist/no/custom-color/87A93A/" height="90" width="600" scrolling="no" allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen></iframe> https://assets.libsyn.com/secure/content/205060780