How Infinite Banking Loans Actually Work (Fixed vs Variable Explained)

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Most people misunderstand policy loans because they compare them to bank loans.

In this clip, I’m breaking down how loan interest really works inside an Infinite Banking policy—specifically the difference between fixed and variable loan rates, and why borrowing more doesn’t increase your risk when the policy is structured correctly.

This isn’t about “getting out of debt” overnight or gaming the system.
It’s about understanding collateral, control, and why insurance companies are comfortable lending against policies in the first place.

When you understand how the loan is secured, how interest is set, and why the cash value continues to matter even after you borrow, Infinite Banking starts to make sense as a long-term strategy—not a gimmick.

If you’re an agent or someone serious about wealth strategy, this is foundational knowledge.

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