When you Max fund a policy year in and year out But also take out policy loans and only temporarily pay the interest on the loans before year end, where do they apply your dividend earnings?

I'm actually not a fan of Infinite Banking or whole life but your video was one of the first I've seen with actual usable information. Thank You!!

Thanks for explaining this. Great info!

Side question, the "guaranteed 4%" that nearly all WL policies have.. Is it true, ultimately, that this 4% is actually a return of overcharged premium? I saw in another video you alluded to this "Return of premium" phrasing being because that's how the IRS looks at it, as opposed to it actually being true that the actuaries include the extra 4% in base premium and thus return it to you as the guarantee? It's only the extra (surplus) dividend beyond that which is actually real growth?

Does it ever make sense to convert term to WL in an IBC policy or would that just cause a policy to MEC? I got a letter telling me I had that option, not sure I should exercise it