종신 보험: 무한 뱅킹 개념에 주의하세요

### 데이브 램지, 종신보험을 통한 무한 뱅킹에 대해 경고하다
* 🏦 데이브 램지는 종신보험의 '무한 뱅킹 개념'에 대해 경고하면서 **종신보험은 피해야 할 고가의 상품**이라고 강조합니다.
* 💰 푸르덴셜 및 노스웨스턴 뮤추얼과 같은 상호 회사의 종신보험 배당금은 **IRS에서 실제 배당금이 아닌 '고의적인 과오납금 환급'**으로 간주합니다.
* 📉 보험 계약자가 종신 보험에서 돈을 빌리는 것은 **본질적으로 자신의 돈을 빌리고 이자를 지불하는 것**입니다.
* 💸 종신보험의 현금 가치는 **보험 계약자와 함께 소멸**하며, 보험금 수령자는 **보험 액면가만 받게 됩니다.**
* 👎 Ramsey는 특히 위험 감수성이 낮은 경우 **실제 재무 고문과 함께 투자**할 것을 권장합니다.
* 🚫 상호 생명 보험 회사는 나중에 배당금으로 일부를 돌려주기 위해 **더 많은 비용을 청구**하기 때문에 일반적으로 보험료가 더 높습니다.
* 🔔 Ramsey는 청취자들에게 금융 상품이나 거래에 대해 뭔가 이상하다고 느껴질 때 자신의 본능을 믿고 **"경종을 들어보라"고 권장**합니다.

종신보험을 통한 무한 뱅킹 개념은 오해의 소지가 있으며 저위험 투자자에게는 권장하지 않는다고 재정 고문인 데이브 램지는 말합니다.

[Music] Jason is with us in Detroit. Hi, Jason. Welcome to the Dave Ramsey Show. Hey, Dave. Thanks for taking my call. How are you? Better than I deserve. How can I help? Well, I had a question for you. I've been working with a financial advisor who's given me some advice, and I follow the show. I'm on Baby Step 7 currently, but he presented me with an idea that was a little outside the box. And I have term life insurance. I've been anti-whole life, but he presented me with this infinite banking concept. Jesus. You're kidding me. Yeah. I have excess money in a savings account and looking to rebalance my portfolio to get it to work a little bit harder, but my risk tolerance is a little bit low. And he showed me how you can do this where you overfund the whole life policy. You can access the money. You break even in year seven. And then the dividend outruns what you put into it. Yeah. It doesn't seem like a terrible idea.

in that regard, but I just wanted your take on why you know that might not be the best way to go. The problem is that where it gets confusing is that um, God, he's sona dividend, a financial advisor assistant. This is an insurance guy. Well, he's both. They have, you know, it's one of the bigger companies, um, Northwestern Mutual or Prudential. Exactly. Yeah. Okay, he's an insurance guy. He's not a financial advisor. Okay. So because those are both mutual companies. Now there are two types of life insurance companies, mutual and stock. Okay. Likely you bought your term unless you bought it from him from a stock company. A stock company stockholders owned the insurance company. A mutual company, which is Prue and Northwestern State Farm, is mutual. The policyholders are actually the stockholders. Okay. Okay. So when the company makes a profit, the policyholders receive a dividend as if they were a stockholder and received a dividend. Does that make sense? Yep. Now follow the math here. If you are the owner of the company and

you're also the customer of the company, and the only place the company gets money is from the customers that are owners, and they give you money from a profit. By definition, that means it's because they took too much from you as a customer. There wouldn't have been a profit otherwise. Okay, so the IRS has deemed, consequently, that mutual life insurance company dividends are not dividends in the true sense of a dividend, that instead they are (and this is the IRS's language) they are instead a refund of a deliberate overcharge. So they overcharge you in order to give you some money later to make you feel like you're making money off of them, and it's absolute hogwash. It's a pass-through mathematically. It's a pass-through. It's the way it has to be. It's the legal definition. The freaking company and the IRS says so. So yeah, the thing I didn't love is, you know, when you take the money back, you basically are paying an interest rate on it, exactly, and whose money is this, right?

that you're borrowing, you're borrowing your own money, and you're paying them interest. Yep, this is infinite banking for them. Yeah, yeah, the infinite banking concept is old school whole life done poorly. You need a real financial advisor, not an insurance broker that's trying to sell you a load of manure. And so, yeah, the other thing is that your cash values that are sitting there all die with you. So, whatever cash you put into this is equals zero at your death because they only pay the face value. Prue does not have a policy. Northwestern Mutual does not have a policy that pays more than the face value except universal life B's, which are not in infinite banking products. And universal product B is where they charge more than they usually charge, which basically buys the insurance so they can still keep your money is the way the math actually works on this. So you're dealing with one of the most expensive insurance products in the marketplace if you're dealing with either one of those two companies. I would stay completely away from both.

of them. They're um everyone in the financial field, except people that work for them. We all think they're a joke of us. Anyone who's academically trained or has any kind of CFP or anything else, when they, when someone says they work for Northwestern Mutual, we just kind of laugh and go, Yeah, right, you screw people every day. So dude, you need to get away from them, and you need to go get a real financial advisor that can help you do some real investing that takes into consideration your low risk tolerance. Low risk tolerance does not need to lead you to losing your money 100% of the cash invested at death. Yeah, that's a bad risk tolerance thing. So you need to move on, dude, you need to move on. But because the, and the whole thing of the dividends are paying for it is such a joke, because the dividends are the refund of a deliberate overcharge. So who's paying for it if you're getting dividends from, if you own Home Depot stock and you got dividends from that.

then home depot's making a profit, but they're making a profit off of their customers. Yes, and I'm the owner of the investment. I get that dividend. That's different than if I am the customer and I'm the stockholder. Thereby, the only way I made a profit was off of me myself. So I pay you an extra hundred bucks, and then you give me 70 of it, and I'm supposed to feel great about that, right? Yeah, so that's what this amounts to. And so you guys working with State Farm, when you get your little dividend check, that's what it is. It's the refund of a deliberate overcharge. IRS verbatim says that. Yeah, and that's why you don't get taxed on it. If you get a dividend on Home Depot stock, you get taxed on it as income because it's real income. You really made an investment, and then you really made an income. So that's what's going on with that stuff. And so do not buy anything in the life insurance world.

based on dividends. You look at the price, look at the structure of the policy, and you'll usually find that mutual companies, by the way, are the higher priced. So when you go to a quote service like Zander Insurance and you get quoted on term life insurance, you're going to find no mutual companies in the 42 different companies that they give you a quote from because they're not competitive. Why? Because they charge more so they can give some of it to you back later and make you feel like that you got something. That's really what it amounts to, and that's why you won't find them. They're not competitive. Yeah, Dave, you're fired up about this one, man. I'll tell you what pisses me off, infinite banking, my butt. Okay, infinite banking is for them. Yes, the only, listen, the only thing that that agent has for his whole life is a need for your commission to be paid to him. Absolutely, that's the only whole life thing that is involved here. These products are horrendous.

and you know it's bad enough when they feed on the middle class, but that guy's a baby step seven man. He's probably a millionaire. Yeah, and and and they create such a jumbled word picture that you can't cut through the bs. And yet you know the thing about him, here's you notice what happened with him. This is interesting. You know it didn't feel right, yeah. He felt it, didn't he? Yeah, he felt it. And that's probably because he's going through our process and he knows what we teach. Well, it's not just that. He didn't just say, Well, Dave says it's wrong, right? He's, there's something wrong here. I just can't put my finger on it, yeah. Overpay and get money back. But I mean, you ever have those feelings? I don't know exactly what's wrong, but I smell a rat, yeah, which means there's a dead rat in the corner somewhere. I just hadn't found him yet. Or below the couch, something stinks in here, yeah. Something stinks in here. Something

got in the house and died you know i got a smell in here what is it something's wrong you got you can't find it yeah you can't put your finger on but how many times have you been in a situation with a person or with a product a financial product you know you had one you had one you were buying an item i won't say what it was on the air but you got the smell off the people and you ran it what three weeks ago what was it dave tell me are you gonna have it i'm not going to because because they're they might be listeners and i'm not gonna do that to you i'm gonna throw you under the bus you walked out of a deal into a different deal not long ago oh yes sir was it not the same thing it was the exact holy spirit inside of you said i smell a something's not right something be wrong with these people i ran this deal is there i can't put my finger on it but this deal is bad yes

and you ended up in another deal. There's a much better deal because you listened. Even though you couldn't logically explain it, you could listen to your heart. Absolutely listen to the bell. When the bell rings, it's called the Holy Spirit. Yeah, this is The Dave Ramsey Show.

Why Infinite Banking is a SCAM!

The Ramsey Show Highlights

재정 고문과 인피니트 뱅킹 개념에 대해 논의하기

베이비 스텝 7 단계에 있는 제이슨은 낮은 위험으로 더 열심히 돈을 모으기 위해 재무 설계사가 제시한 무한 뱅킹 개념을 고려하고 있습니다.

보험 전문가이기도 한 어드바이저는 상호보험 회사의 종신 보험에 가입할 것을 제안합니다.

데이브 램지는 상호 보험사와 주식 보험사의 차이점과 무한 뱅킹 개념이 최선의 선택이 아닐 수 있는 이유를 설명합니다.

상호 생명보험사 배당금에 대한 진실

상호 생명보험사의 배당금은 실제 이익 분배가 아니라 의도적으로 과다 청구한 금액을 환급하는 것입니다.

돈을 돌려받는다는 것은 회사에 이자를 지불하는 것을 의미하며, 결국 자신의 돈을 빌리는 것과 같습니다.

이러한 보험의 현금 가치는 사망 시 액면가만 지급되기 때문에 시장에서 가장 비싼 보험 상품 중 하나입니다.

노스웨스턴 상호 금융 자문사의 문제점

노스웨스턴 뮤추얼 재정 자문가는 금융 분야에서 좋은 평가를 받지 못하며 고객을 이용하는 것으로 간주됩니다.

배당금을 사용하여 서비스 비용을 지불하는 것은 고의적인 과다 청구라는 비판을 받고 있으며, 이로 인해 투자 전략에 대한 신뢰가 부족합니다.

따라서 저위험 투자를 위해 평판이 좋은 다른 재정 고문을 찾는 것이 좋습니다.

무한 뱅킹 및 종신 보험에 대한 비판

특히 무한 뱅킹을 통한 종신보험은 높은 수수료를 통해 설계사에게 이익이 되도록 설계되었다는 비판을 받고 있습니다.

이 전략은 고객에게 과다한 수수료를 부과하고 환급금을 제공함으로써 거짓 이득을 취한다는 비난을 받고 있습니다.

또한 상품이 복잡해 고객이 그 속을 들여다보기 어렵다는 점에서 초보 보험 가입자를 타깃으로 삼고 있습니다.

직감을 신뢰하는 것은 개인적인 결정이든 재정적인 결정이든 다양한 상황에서 중요합니다.

때로는 무언가 잘못되었거나 옳지 않다는 것을 직감할 수 있고, 직관을 따르면 더 나은 결과를 얻을 수 있습니다.

'내면의 목소리' 또는 본능에 귀를 기울이는 이 개념은 올바른 결정을 내리는 데 유용합니다.