The IUL Lie: It's Not Infinite Banking and Will Cost You BIG

Curious about what an Infinite Banking policy could do for you? Book a call now - https://moneyripples.com/infinite-banking/  More and more insurance agents are pitching Indexed Universal Life (IUL) policies as a way to do Infinite Banking. Let me be blunt that’s absolutely false. I’m Chris Miles, and I’ve been in this industry long enough to know that this isn’t just a misunderstanding. It’s a dangerous lie that could cost you thousands, even millions, if you’re not careful. In this episode, I’m pulling back the curtain on the truth behind IULs, explaining how they’re being misrepresented, and why they’re fundamentally incompatible with the Infinite Banking Concept (IBC). I’ll walk you through what Infinite Banking actually is it’s a strategy, not a product and why whole life insurance is the only product that’s truly designed to execute that strategy safely, predictably, and effectively. You’ll hear me dissect a real-life example shared on Instagram by a well-meaning agent who got the messaging wrong. I’ll show you line by line where her projections are flawed, misleading, or legally questionable. From inflated return assumptions and glossing over surrender values to making risky guarantees about lifelong tax-free income this is the kind of misinformation I’m committed to clearing up. I’ll compare side-by-side numbers from that IUL illustration with an actual whole life policy I personally structured for a client. And guess what? Whole life not only performs better, it’s also more accessible, stable, and versatile especially when it comes to liquidity and cash flow. This episode is your masterclass in: Understanding how surrender fees restrict access to your own money in IULs Why rising insurance costs in IULs can eat away at your retirement income The legal risks of using phrases like “you cannot outlive this income” How IUL caps and floors are manipulated over time Why banks prefer whole life over IULs for collateral How real infinite banking strategies use life insurance to create wealth velocity, not speculation If you’re thinking about using life insurance to build wealth, create passive income, or store liquid cash safely this is the episode you need. IUL might sound sexy, but at the end of the day, whole life insurance offers safer, stronger, and more reliable outcomes for smart investors. And here’s the bottom line: Infinite Banking isn’t about chasing returns it’s about creating predictable, liquid, tax-free financial leverage you can access when you need it most. IULs simply don’t deliver on that promise. If you’ve been pitched an IUL and you’re not sure what to think, send it to me at MoneyRipples.com. I’ll review it honestly. I’ve even told people to keep an IUL before but that’s the exception, not the rule. Don’t gamble with your financial freedom.

Om Podcasten

Are you tired of working harder just to see your money go out the door faster? Do you dream of achieving financial independence, retiring early, and finally living life on your terms—without cutting corners or sacrificing your lifestyle? Welcome to the Money Ripples Podcast, hosted by Cash Flow Expert and Anti-Financial Advisor, Chris Miles. This show is your no-nonsense roadmap to escaping the rat race, creating sustainable passive income, and building wealth that lasts for generations. Every Wednesday and Friday, Chris delivers straight-shooting episodes packed with strategies and insights you won’t hear from traditional financial advisors. With over a decade of experience helping clients generate real cash flow from real assets, Chris pulls back the curtain on how to make your money work harder for you—so you don’t have to work so hard for your money. What You’ll Discover: How to Create Passive Income Without Risky Gambles Learn proven strategies that allow you to safely generate recurring cash flow from real estate, business investments, and alternative income streams. Infinite Banking Strategies (Without the Confusion) Discover how to leverage the power of infinite banking using whole life insurance to grow your wealth tax-free, protect your capital, and fund your own retirement—all while keeping full control of your money. How to Retire Early (Even in an Unstable Economy) Tired of waiting until you're 65+ to enjoy your life? Chris shares how to build your own path to early retirement, even if the stock market is shaky, taxes are rising, or inflation is creeping in. The Truth About Financial Freedom Cut through the hype and learn what real financial freedom looks like—and how everyday people (just like you) are achieving it through smarter cash flow decisions and better stewardship. Wealth Mindset + Money Stewardship Financial independence isn't just about making more—it's about managing it wisely. Learn how to become a better steward of your wealth with practical mindset shifts that align with your values and legacy goals. Why Listen to Money Ripples? Chris Miles isn’t your typical financial advisor. After losing everything by following traditional advice, he rebuilt his wealth by doing the opposite of what Wall Street tells you. Since then, he’s helped hundreds of entrepreneurs, investors, and everyday families create six and even seven figures in passive income—all without living below their means or relying on risky investments. With a focus on cash flow over accumulation, Chris offers real solutions for those who want more freedom, less stress, and a faster path to retirement. Whether you’re just starting your journey toward financial independence or looking to optimize your existing wealth-building strategy, this podcast is your trusted companion. Each Friday, tune in for inspiring interviews with top financial minds, business owners, and investors who are walking the talk. These conversations are raw, insightful, and often surprising—designed to give you ideas you can apply right away. Start Your Journey to Financial Freedom Today The Money Ripples Podcast has been downloaded millions of times and featured in major media for a reason—it delivers results. If you're ready to break free from financial mediocrity and create a life of abundance, hit that Subscribe button and start listening today. New episodes drop every Wednesday and Friday. Your work-optional life is closer than you think.