06/02/2026
Waiting to start IBC isn't a neutral decision.
It's an expensive one.
We hear it all the time,
"I get it, I just need to get my finances in order first."
But the numbers don't lie.
A policy started at 50 vs. 53 — same premium, same structure — can mean $250K less in cash value and $310K less in death benefit by the time it matters most.
And for the person who says they can't afford to start?
One of our clients had $180K in a savings account, $22K sitting in a poorly structured policy he'd forgotten about, and $4K/month locked up in a 401(k) — and he genuinely thought he had no cash flow for IBC.
The money was there. It was just organized wrong.
Most people don't have a money problem. They have a money organization problem.
Curious if this strategy makes sense for you?
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