850 University
Where cash value comes from, designing a policy for it, the tax rules and MECs, how policy loans really work and affect your credit, putting a loan to work, the lapse tax bomb, be-your-own-bank and IUL pitches fact-checked, buy term and invest the difference, business and estate uses, and selling or swapping a policy.
Learn where a life insurance policy's cash value comes from, why it's low in the early years, how the main types of permanent policies grow it, and how to tell guaranteed numbers from projections.
See how the same premium can be built for a bigger death benefit or for faster cash value, using paid-up additions and term riders, and learn the trade-offs and questions to ask before you sign.
Learn the federal tax basics of life insurance in plain English: tax-deferred growth, the death benefit, withdrawals, loans and surrenders, and the form you get when you cash out. This is education, not tax advice.
Is Life Insurance: Cash Value and Policy Loans free on 850 University?
Yes — 14 of 14 lessons in this course are free with an 850ai account. Watch on YouTube anytime; create a free account to take quizzes and track progress.
How many lessons are in Life Insurance: Cash Value and Policy Loans?
This course includes 14 short video lessons, each followed by a quiz when you learn inside the 850ai app.
Can I dispute errors on my credit report after this course?
850 University teaches the concepts; 850ai can analyze your credit report and generate dispute letters when you are ready. Start free at my850.ai/landing.
Learn the strategy here, then let 850ai analyze your credit report and generate dispute letters tailored to your accounts.
Learn what a modified endowment contract (MEC) is, how the seven-pay test works, what changes when a policy becomes a MEC, and how people stay under the line. This is education, not tax advice.
Learn how a policy loan really works: whose money it is, the real benefits, how interest is set and compounds, how different loan designs work, and the lapse risk to watch.
Learn how a policy loan affects your credit report and score, what Fannie Mae's Selling Guide says about using it for a down payment and in debt-to-income, and how it compares with cards, personal loans, HELOCs and 401(k) loans.
Walk through four real uses of a policy loan: an emergency, a car, a business start-up and a down payment. Learn how to compare costs, why repaying matters, how to build a repayment plan, and when not to borrow.
Learn how an unpaid policy loan can grow until a policy lapses, why that lapse can create taxable income with no cash, and the steps that can help you avoid it.
Learn how 'be your own bank' pitches use whole life policy loans, what is true about them, what is oversold, and the questions to ask before you buy.
Learn how indexed universal life is marketed as 'tax-free retirement,' how caps, floors and charges really work, why the order of returns matters, and who it may fit.
Compare buying term and investing the difference with buying whole life, using example numbers, and learn when each path tends to fit and why behavior matters most.
Learn how business owners use life insurance for key person coverage, buy-sell plans and executive bonus plans, what the 2024 Connelly decision changed, and why an attorney and CPA belong on the team.
Learn how life insurance can count in an estate, the 2026 federal exemption, why state estate taxes matter, how trusts and the three-year rule work, and how cash value is treated by creditors, SSI and the FAFSA.
Learn the ways to use a life insurance policy while you're alive: accelerated death benefits, life and viatical settlements, and 1035 exchanges, plus the taxes, scams and replacement cautions to know first.