https://buildalifeloc.com/blog/ Daily posts on building a lifetime line of credit: policy design, starting policies for kids, and getting started the right way. From James Barber. en-us https://buildalifeloc.com/blog/finding-the-premium/ https://buildalifeloc.com/blog/finding-the-premium/ Tue, 28 Jul 2026 06:00:00 -0700 Before any illustration gets run, find the money. Locating idle dollars and inefficient cash flow that can fund a policy without strain. https://buildalifeloc.com/blog/questions-for-your-agent/ https://buildalifeloc.com/blog/questions-for-your-agent/ Mon, 27 Jul 2026 06:00:00 -0700 Same carrier, same product, two agents, two very different policies. The questions that reveal whether your designer is on your side. https://buildalifeloc.com/blog/name-the-policys-job-first/ https://buildalifeloc.com/blog/name-the-policys-job-first/ Sun, 26 Jul 2026 06:00:00 -0700 Family lending pool, retirement supplement, or a child's head start. Why naming the policy's job before design decides everything else. https://buildalifeloc.com/blog/set-your-own-payback-schedule/ https://buildalifeloc.com/blog/set-your-own-payback-schedule/ Sat, 25 Jul 2026 06:00:00 -0700 A policy loan has no required payment, which is the feature and the trap. How to set your own payback schedule and actually keep it. https://buildalifeloc.com/blog/iul-guarantees-and-taxes/ https://buildalifeloc.com/blog/iul-guarantees-and-taxes/ Fri, 24 Jul 2026 06:00:00 -0700 Before you build an IUL: what the contract actually guarantees, how the tax treatment works, and the questions to ask before you sign anything. https://buildalifeloc.com/blog/one-policy-or-several/ https://buildalifeloc.com/blog/one-policy-or-several/ Thu, 23 Jul 2026 06:00:00 -0700 One big policy is efficient. A ladder of smaller ones matches real careers, re-locks your insurability, and gives each policy its own job. https://buildalifeloc.com/blog/what-underwriting-involves/ https://buildalifeloc.com/blog/what-underwriting-involves/ Wed, 22 Jul 2026 06:00:00 -0700 Application, possible exam, records, offer. The whole underwriting process start to finish, what slows it down, and why plain honesty is fastest. https://buildalifeloc.com/blog/your-first-policy-loan-step-by-step/ https://buildalifeloc.com/blog/your-first-policy-loan-step-by-step/ Tue, 21 Jul 2026 06:00:00 -0700 The first time you borrow against your policy shouldn't be a mystery. A plain walkthrough of how to request a loan and use it without hurting the policy. https://buildalifeloc.com/blog/how-much-to-fund-a-policy/ https://buildalifeloc.com/blog/how-much-to-fund-a-policy/ Mon, 20 Jul 2026 06:00:00 -0700 Fund too little and the design underperforms, too much and you strain the budget. How to size a premium you can sustain for the long haul. https://buildalifeloc.com/blog/base-premium-vs-puas/ https://buildalifeloc.com/blog/base-premium-vs-puas/ Sun, 19 Jul 2026 06:00:00 -0700 The split between base premium and paid-up additions is the design choice that drives early cash value. How the mix works and what to aim for. https://buildalifeloc.com/blog/building-for-cash-value-three-decisions/ https://buildalifeloc.com/blog/building-for-cash-value-three-decisions/ Sat, 18 Jul 2026 06:00:00 -0700 The new LIFE Pod episode is a build checklist in disguise: start now, design for cash value, and fund it like you meant it. Here's how the three keys land. https://buildalifeloc.com/blog/first-90-days/ https://buildalifeloc.com/blog/first-90-days/ Fri, 17 Jul 2026 06:00:00 -0700 The policy's in force. Now what? Five unglamorous moves for the first three months that set up everything the strategy does later. https://buildalifeloc.com/blog/what-a-kid-policy-actually-buys/ https://buildalifeloc.com/blog/what-a-kid-policy-actually-buys/ Thu, 16 Jul 2026 06:00:00 -0700 Insurability, time, and a money lesson with a real asset behind it. What a small policy on a child buys, what it doesn't, and where to start. https://buildalifeloc.com/blog/what-waiting-a-year-costs/ https://buildalifeloc.com/blog/what-waiting-a-year-costs/ Thu, 16 Jul 2026 06:00:00 -0700 Time and insurability are the two things you can't buy back later. A plain look at what a year of waiting does to a policy you'll own for the rest of your life.