Monday, May 31, 2021

Comparison: Whole Life Policies and Tenet

Whether you care or not for the movie Tenet directed Christopher Nolan, it is for certain a unique film.


If you’ve heard somewhere that the movie is about time travel, it’s not.  At least not in the sense of jumping to points in time in the future, past, or even sideways (thank you Lost).  

Nope, this story offers something different.  In a word: entropy.

Generations into the future a scientist has invented a machine capable of reversing the flow of time.  It’s this machine that the future of mankind and the world hangs in the balance and it’s up to the protagonist to stop a doomsday event from happening.

The strategy chosen to combat the antagonist is a called Temporal Pincer Movement.

Essentially, there is a (RED) team in the present moving forward and a (BLUE) team in the future working backward to and from, respectfully, the same point in time.  

This gives the distinct advantage of knowing what will happen and how to achieve the outcome desired.

What’s the popular saying?  

“Hindsight is 20-20”

A temporal pincer movement gives the advantage of hindsight which is what makes the strategy so compelling and a juggernaut to overcome.

If that sounds a bit confusing, watch the movie.  As a fan of Inception, another film by Christopher Nolan, Tenet ranks up there with movies that are meant to be enjoyed multiple times.  

Here’s where Tenet is similar to a Whole Life insurance policy.

A Whole Life insurance policy is the ONLY financial product that gives you the hindsight of 20-20.  It works moving forward and backward at the same time.

I call this a “Financial Temporal Pincer Movement”.

Quite literally, the cash value in a Whole Life policy is INCREASING every year at the same time that guaranteed death benefit has been solved for at age 121, the last official day of the policy contract.  Once the policy is issued, the death benefit at the future age of 121 starts to unwind, or work backwards (entropy) to the original face amount from the policy issue date, or day 1 of the policy.  

Each year in a Whole Life policy is a reference point when looking at your own illustration.  The cash value each year gives the present value of the future death death benefit.  

The unknown variable is the year of your eventual passing.  The end of your life is the point the cash value then blossoms in value to equal the death benefit.  If you live all the way to age 121, the cash value has now become equal to the death benefit on the final day of the contract.  We call this Endowment.  

Essentially, what you desire to happen financially is set in a blueprint (fate, if you will) and the outcome is certain.  No other financial vehicle offers this.

What advantages would you have if you knew your financial fate 10, 25, or even 50+ years into the future?

How much of peace of mind would you have knowing that everything you wanted to accomplish (nest egg for retirement, guaranteed income options, a proverbial tax-free mountain of cash to use for any purpose) will be available to you no matter how the stock or real estate markets perform?

Do you have questions about Whole Life policies and Infinite Banking? Schedule time here.


John Montoya

Note, you may want to put on captions because there were points in the movie where you will attempt to read lips and rather than guess at what’s said and ruin the flow of the movie, captions will eliminate the need to wonder what was mumbled.