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CONCEPT” (AKA “BECOMING YOUR OWN BANKER”): ONE ACTUARY’S COMMENTARY Advisors sometimes call LLIS because their clients have been approached by an insurance salesperson pitching a concept called “Infinite Banking” (aka “Be Your Own Banker”). Advisors want to know: What is this? Is it any good? Should my client consider doing this? WHAT FOLLOWS IS A RESPONSE WRITTEN TO AN ADVISOR ABOUT A REAL PROPOSAL THE CLIENT WAS GIVEN. First, two background points must be made: 1. This is a
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