As I’ve said numerous times, I know Suze and Dave have helped many people get out of debt and get their financial act together.  However, there are two critical areas we strongly disagree on.

Neither of them has taken me up on the offer to debate me – yet. But I can’t help but wonder if they’ve ever actually checked into Bank On Yourself.

What would it be like to be a fly on the wall as Suze and Dave discuss Bank On Yourself? No need to wonder any longer, as our hidden video camera captured it all. Click the play button below…

In case you’re wondering, the statements made by Suze and Dave in the video about why you should invest in mutual funds and why you should avoid whole life insurance are direct quotes from their books.

And Suze really did tell the New York Times she doesn’t follow her own advice about investing in the market.

And yes, John Bogle, the founder of Vanguard – the largest mutual fund company in the country – really has written a stunning exposé about the smoke and mirrors mutual fund companies use to pull the wool over your eyes regarding the real returns you’re getting…

The conventional rates of return (we rely on) to measure performance reflect performance that is higher, and in many cases much higher, than returns earned by shareholders.”

- John Bogle¹

So why don’t Suze, Dave and most other financial gurus know about Bank On Yourself-type policies?

The three main reasons for this are:

1. Very few insurance companies even offer the kind of policy that maximizes the power of the Bank On Yourself concept
2. Insurance agents and financial advisors who help their clients implement this strategy take a 50-70% cut in commissions to do so
3. Probably because of reasons #1 and #2, this kind of policy is not even covered in most (and maybe all) of the training programs insurance agents take to get their licenses. It’s also not covered in the training they take to receive advanced designations, like CLU, ChFC, etc.

In fact, advisors who pride themselves on their 30+ years of experience and the “alphabet soup” behind their names often admit they’ve never heard of these kinds of policies!

That’s a big part of the reason why the Bank On Yourself Authorized Advisor Training Program was created.

To receive a free Analysis and get a referral to one of only 200 advisors throughout the U.S. who have met the rigorous qualifications, simply request it here. There’s no obligation to find out what your bottom-line numbers and results could be if you added Bank On Yourself to your financial plan.

Many people have been willing to keep an open mind and look into the facts about Bank On Yourself, and people have been flocking to it, in order to have peace of mind and financial security.

But if you’re reading this, and you still have a few questions holding you back, you can find the answers here:

• What’s the rate of return of a Bank On Yourself-type policy?
• What do the companies used for Bank On Yourself invest in?
• How are these policies different from the ones the financial “gurus” talk about?
• Where do I find the money to fund a plan?
• I have good savings habits and little debt – how will Bank On Yourself help?
• How do I get started?

¹Common Sense on Mutual Funds, by John C. Bogle – 2010 (updated 10th Anniversary Edition)

If Bank On Yourself is so good, why isn’t everyone already doing it?

Here’s why…

If you browse the personal finance section of any bookstore, turn on the TV or open a magazine on finance, you’ll discover that 99 out of 100 financial “gurus” will insist that whole life insurance is a lousy place to put your money. Most will recommend you buy term life insurance instead and invest the difference in mutual funds.

That’s in spite of the fact that, had you invested in an S&P 500 index fund for the past 12 years, your nest-egg wouldn’t have grown at all. And that doesn’t even factor in 35% inflation during this period!

Suze Orman & Dave Ramsey

But I’m getting a little ahead of myself. Part of the problem is these financial experts know nothing about the specially designed type of dividend-paying whole life policy used for the Bank On Yourself method…

It’s not really their fault. Out of 1,500 major life insurance companies only a handful offer a policy that has all the features required to maximize the power of this concept. That’s one reason it’s not even mentioned in most industry training programs.

And the fact that an advisor who helps a client implement a Bank On Yourself-designed policy takes a 50-70% cut in commission could be another reason why you haven’t heard of this before now.

So how is a Bank On Yourself-policy different from the kind of whole life policies Suze Orman, Dave Ramsey, David Bach, and others talk about?

Here are three key differences:

Key Difference #1: These experts say the money you can have access to in the plan (your “cash value”) grows too slowly in a whole life policy, and say you typically won’t have any cash value at all in the first few years.

A Bank On Yourself-type policy, however, incorporates a special rider or option that turbo-charges the growth of your money in the policy so you have up to 40 times more cash value, especially in the early years of the policy. This allows you to use it as a financial management tool from Day One.

Don’t take our word for it – here’s a statement from a Bank On Yourself-designed dividend-paying whole life policy, at the end of just one year.

And here’s an article that reveals the rate of return of a properly designed Bank On Yourself type policy. It puts traditional investments to shame, and it does that without the risk or volatility of stocks, real estate, gold, commodities and other investments.

Each plan is different, so to find out how much cash value you’ll have each year – guaranteed – request your FREE Analysis here.

Key Difference #2: Most financial experts, including Suze and Dave, write about policies where your death benefit stays level for the life of the policy.

However, in a dividend-paying whole life policy, dividends can be left in the policy to purchase additional coverage, while at the same time growing your cash value in the most efficient way possible. This policy statement shows you how the death benefit keeps growing, and proves these policies are different from the ones Suze and Dave talk about.

Please note that this statement is from a policy I started before I learned about Bank On Yourself, and it has grown much more slowly than a policy designed to maximize the power of the Bank On Yourself concept.

Even so, this policy has left my mutual funds and real estate investments in the dust.

Key Difference #3: The financial experts often rant about how, when the policy owner dies, the insurance company “only” pays you the death benefit and keeps your cash value.

But with a Bank On Yourself policy it’s very different, as you can see on this policy statement. It shows you how, had I died on the date this statement was issued, my family would have received a check for more than the original death benefit AND the cash value in the policy combined!

So I am throwing out the gauntlet to Suze, Dave or any expert who wants to challenge me. Just name the time and place!”

I’m so confident that they’ll come around once they get the facts about Bank On Yourself, that I’ve reserved a special place for their endorsements along with the trusted experts who have already endorsed Bank On Yourself.

And remember, Bank On Yourself will beat anyone’s best financial strategy or we’ll pay you $100,000!

No two policies are alike, because each one is tailored to the clients unique situation. So your results will be different. To find out what your bottom-line numbers could be, and how much your financial picture could improve if you added Bank On Yourself to your financial plan, request a free Bank On Yourself Analysis. There’s no obligation.

Be a fly on the wall and watch as our hidden video camera captured Suze Orman and Dave Ramsey discussing Bank On Yourself!