Category: Borrowing Strategy

Truth Tip, “Lost or Found” Payments in Borrowing Strategy

Important Note  – The “Extra Payment Lost or Found” does not add to (or subtract from) any of the calculations. It is just a way to see the difference in net payment at a rate between whatever is in the “Market Loan Rate” input and either: the net earnings rate when “Acct-Cash” is selected  -or-the “Market Loan Rate” when any of the other 3 options are selected. If you have (-100%) in the “Market Loan Rate,” the numbers for the “Extra Payment Lost Or Found” will look skewed because based

Read More

Collateral: Alternatives to Borrowing from the Life Insurance Company

Those advisors that are “whole-life friendly” know the many advantages of a whole life insurance policy to its policyholders, and the options that are available with a little creativity and a prosperity mindset. One of the primary advantages of a policy is the ability to borrow against the policy’s cash value and secure a loan straight from the insurance company—without the long approval process of a bank loan. While beneficial for a number of reasons, borrowing against the policy is not always the best strategy depending on your client’s desires.

Read More

Borrowing Against Whole Life Insurance at a Bank

This post originally appeared as an article on Kim Butler’s Partners for Prosperity website at We thought this to be valuable information to also share with the Truth Concepts community.    We get many questions on using life insurance policies with cash value as collateral for bank loans. First, you can ONLY borrow against a policy with cash value, such as whole life insurance. You cannot use this strategy at all with a term insurance policy. Often, local (as opposed to large/national) banks and credit unions will lend against the cash

Read More

The Power of Liquidity: Capitalizing with Cash

(Adapted from an article originally published on Please feel free to share this page at with clients, or see the Content4Clients program for content marketing resources you can use for your own website.) “Success is where preparation and opportunity meet.” – Bobby Unser, Indianapolis 500 Champion Are you locking up your assets, or keeping them liquid? Do you have access to cash on demand? The answer may be influencing your prosperity more than you realize. Most investors focus on the ROI of an investment or a savings vehicle.

Read More

Truth Concepts on

New Truth Concepts Client Presentations! We’ve been busy loading up our Truth Concepts YouTube channel  with videos for you! Now there are 15 videos featuring Todd Langford and/or Truth Concepts software. The YouTube channel houses our Truth Concepts, Truth Concepts Academy, and Summit videos, as well as several presentation videos and  Banking for Life excerpts and outtakes with Todd Langford. Eight of the newer videos are from a client event at a local insurance brokerage. We recorded and “screen captured” Todd’s presentations and divided it up by topic. (FYI, Todd’s

Read More

Borrowing Calculator Tutorial 9m 43s Transcript

So let’s look at something a little different here, and let’s go to the borrowing strategy, here if we take the borrowing strategy and let’s look out over 30 years, no present value dollars, let’s put in 10,000 dollar a year. Okay, so what we see over this time is $300,000   so let’s start with understanding the shoe box for just a minute and if we have this shoe box and we’re putting in10,000 ayear into it for 30 years at the end of the time frame we’re going to

Read More

Asset Flow Master Class, March 2023 | Gain confidence in helping clients meet lifelong finance objectives.