Your Personal Bank

Your Personal Bank

Your Personal Bank Ep 39 | Product Alert! If Less Than 50-80%+ of Your Cash is Available Day One, Your Policy is not Structured to Maximize Cash Value | 05-28-24 Download

00:56 Download May 28th

Ferenc Toth is founder of Your Personal Bank TM. He is passionate about helping people gain control of their money, create tax-favored income, and having access to more funds over their lifetime! Ferenc is a voice for common sense. He cuts through the noise to help us understand how current events affect our money, economy, and our freedom.


I have been sharing on the radio for nearly 5 years the power of Your Personal Bank to grow your money insured, guaranteed, tax-free, highly liquid, and create positive cash flow on money you spent.

Recently, I have met several people who were sold products that they thought would accomplish the above but do not. Frankly, they were misled by the insurance agent/financial adviser. 
There is a simple key to ensure your policy is designed to maximize cash value:- 50%+ of your contributions are available day one if you are funding multiple years (non-MEC)- 80%+ of your contributions are available day one if you are funding most of your contribution up-front (MEC)
If this is not the case with your policy, it is not structured to maximize cash growth.
If you are considering a high cash value policy or purchased one in the past decade, I likely can help you improve your cash growth with little or no cost or tax consequence.
If you believe you were misled or defrauded, you have consumer protections. I can review your policy and can advise if you have a reasonable chance of receiving a refund of your contributions (premium).Also, the best positive arbitrage comes from bank lines of credit most years. Typically, banks offer lower interest rates than policy loan interest rates. When accessing funds from your policy, you want the option to borrow from whoever is offering the lower rate.
Banks will only offer lines of credit on about 6 insurance companies. The cash in the policy is the collateral for the bank loan. Banks research insurance companies more than anyone else. Their money’s on the line. I recommend following the bank’s lead. They are savvy about money. 
Why fund a high cash value policy with a company that the banks will not accept? You limit your positive cash flow (arbitrage) when you access funds. 
Contact me to obtain the list of insurance companies the banks will accept. I am independent and work with dozens of insurance companies, including the top companies.
Your Personal Bank policies are a powerful financial tool that can grow your money insured, guaranteed, tax-free, highly liquid, and create positive cash flow on money you spent. It frustrates me when someone is sold on the idea, but is then misled intentionally or otherwise. 

Until the federal government starts spending less than it receives to start paying down the debt, the upward pressure on bond interest rates will continue. Vanguard and others have recently predicted bond interest rates will increase over the next 5-10 years.The federal government fiscal irresponsibility creates an opportunity.You can invest in high cash value Your Personal bank TM policies that are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years!

I believe we are in for a chaotic year and a bumpy economic ride this year. It would be wise to protect your assets. Diversify. Reduce your risk. Reduce your tax liability. Increase returns safely. Increase liquidity to take advantage of future opportunities.

Please contact me with any questions.Your Personal Bank Show – Nationally SyndicatedListen anytime at  (click on link) or Your Personal Bank by Integrity Investment TM app Ferenc TothToll-Free: 866-268-4422          YourPersonalBank.com6424 E Greenway Pkwy, Suite 100, Scottsdale, AZ 85254

Podcasts you may like

Thee Culture Coaches

Thee Culture Coaches Show, hosted By Val the Voice and Dj No Phrillz, aka Phamous Phrillz,  combines edgy journalistic commentary on today’s urban and pop culture climate.Thee Culture Coaches Show features […]

Play Latest (July 19th)

5 episodes

Life’s A Gamble

Melvin ‘Prince’ Johnakin hosts an electrifying new talk show that will revolutionize the airwaves, ‘Life’s A Gamble.’ A man of many titles — author, activist, business owner, political strategist, and […]

Play Latest (July 22nd)

7 episodes

Marconi Audio

Play Latest (May 31st)

2 episodes

The Empowered Homeowner with Beth Allen

Nailing Homeownership with Humor and Heart The Empowered Homeowner with Beth Allen gives beginner homeowners the tools to be smart, capable and confident as they manage the biggest investment of […]

Play Latest (July 16th)

6 episodes

Jewish Perspectives on the News and Politics with Burt Siegel

This program will not hold back on what the host and his guests believe is wrong with an American society in which anti-Jewish sentiments as well as racism have become too often tolerated, where cooperation across party lines is treated as treachery, where immigrants and refugees are seen as a threat to the “American Way of Life” and the gap between the ultra wealthy and the average American is ever widening. While it will reflect the values of Judaism and the Democratic party all are welcomed to share their thoughts regarding how we can achieve the dream of what our nation aspires to be about.

Play Latest (July 16th)

10 episodes