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Episode 74: Who Sets the Interest Rate
In this clarifying episode of Infinite Banking Daily, M.C. Laubscher addresses one of the most frequently asked questions about the private family banking system: who sets the interest rate on policy loans, and why does it matter? The answer is straightforward but often misunderstood: the insurance company sets the rate based on their internal cost of capital and investment portfolio performance. Unlike bank loans that fluctuate with market conditions, Federal Reserve decisions, and economic volatility, policy loan rates remain relatively stable and predictable—typically ranging between 4-6%…
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