Episode 65: Should You Fully Fund an IBC Policy ASAP or Leave Room for a Windfall?

Carlos and Bob tackle a friendly bet that two listeners submitted. The controversy concerns two apparently conflicting goals: On the one hand, Nelson Nash says in BYOB that you should pay more against your policy loans than the insurance company requires, effectively buying more paid-up life insurance. But on the other hand, shouldn’t you aggressively fund your IBC policy up to the MEC limit right away, meaning there wouldn’t be any room left to pay more on a loan?

Mentioned in this episode:

The sound engineer for this episode was Chris Williams. Learn more about his work at