How To Repay Life Insurance Loans

Jerry Fetta
3 min readDec 15, 2022
How To Repay Life Insurance Loans by Jerry Fetta

How do loan repayments work on the Sacred Account?

I had someone ask me this yesterday and so I want to write about it!

The Sacred Account is a specifically designed type of High-Early-Cash-Value-Dividend-Paying-Whole-Life-Insurance. (You can see why I prefer to just call it The Sacred Account now!)

I use it like a savings account and when I deposit money into it I receive the following benefits:

  1. Guaranteed growth
  2. Guarantee against loss
  3. Protection from taxation
  4. Protection from creditors
  5. Protection from lawsuits
  6. Protection of privacy
  7. My money is fully backed
  8. My money is insured against insolvency of the company I have it with

They money that I deposit into it grows at about 3–5% per year on average for the rest of my life, tax-free.

I can borrow against 70–90% of my account at a small interest cost and my money will still continue growing at that 3–5% rate even while I am using it.

Now when I borrow, I actually want to pay myself back.

Which means I only borrow for things that either reduce expenses or produce income so that I can pay myself back easily with those funds.

A loan repayment is different than a contribution or deposit into the account.

Think of a deposit as a “front end” contribution. I am putting money into my policy as a contribution and those funds are growing and can be borrowed against.

A loan repayment is like a “back end” contribution. I am repaying a loan into the policy and those funds are not “growing” newly…because they never stopped growing when I borrowed them. But those loan repayments do reduce interest and I can borrow against the funds I’ve repaid.

A loan repayment can be done manually by logging in to my online portal for my Sacred Account, or it can be setup on an automated basis, or I can even call in to the insurance company and repay a loan that way.

My rule with being my own banker is that I never borrow without repaying and so it is vital to know how and why to repay a loan.

To learn more about how you can use the Sacred Account concept to achieve greater financial freedom, I want to offer you a free copy of my book The Blueprint to Financial Freedom.

Click here to get a copy!

The Blueprint to Financial Freedom by Jerry Fetta

To Purpose, Wealth & Freedom,

Jerry Fetta

Jerry Fetta is the CEO and Founder of Wealth DynamX. He is a nationally recognized financial expert featured in Forbes, Yahoo Finance, Fox, Chicago Weekly News, New York Finance, interviewed on over 45 podcasts with world renowned experts, earning endorsements and affiliations throughout his career with names like Kevin O’Leary, Grant Cardone, Dave Ramsey, and Pamela Yellen.

Jerry’s mission in life is to help create millions of financially educated and solvent families achieving greater financial freedom and sharing the truth about money with those around them.

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(DISCLAIMER: The information in this content should not be considered tax, financial, investment, or any kind of professional advice. Only a professional diagnosis of your specific situation can determine which strategies are appropriate for your needs. Wealth DynamX can and does not provide advice unless/until engaged by you.)



Jerry Fetta

Jerry Fetta is the CEO and Founder of Wealth DynamX. Jerry’s mission in life is to help create millions of financially educated and wealthy families.