Using the Policy Loan Repayment Planner

3. Read the Payoff Plan

Review the selected path, including payoff timing, monthly payment, and total interest. Open Full math for the side-by-side paths and month-by-month balance, interest, and payment table.

4. Optional PUA What-If (Builder Pro)

Builder Pro can compare the same monthly amount over the same period: all Paid-Up Additions, a 50/50 split, a custom split, or all loan repayment. The split control updates each amount and the charts. Loan interest accrues monthly. Unpaid interest is capitalized into the balance. Paid-Up Additions do not reduce the loan balance. When the loan reaches $0, any remaining loan payment goes to Paid-Up Additions for the rest of the period.

The paid-up additions detail keeps three figures separate: paid-up additions premium, cash value from paid-up additions, and paid-up death benefit added. Paid-up additions never reduce the loan balance. Loan figures use the same monthly interest and capitalization convention as the main modeler.

The comparison starts from the loan record and the policy's latest recorded statement values. Future figures are Modeled. If no recorded cash value is available, add one on the policy or enter it in the loan step.

The How long? control above the paths sets the period, in years or months, for every comparison. Select Payment by term to set its payment rate below. Select Payment by amount to set the monthly payment and change specific months there. Interest always accrues at the policy loan rate. These settings do not change the saved loan.

Save a Scenario or Plan

Save a named scenario to return to these settings later. Saving and loading scenarios requires Builder Pro. Archive saved scenarios from Load Scenario; restore them from Archived in the same dialog.

In Step 3, select Set repayment plan to review the chosen path and schedule, then save it. To change the path or amount, go back to Step 2. Step 4 lets Builder Pro members save the loan portion as a repayment plan and the Paid-Up Additions amounts as dated monthly schedule segments. The saved PUA schedule follows the split, including the partial amount in the payoff month and the full monthly amount afterward. Choose its first payment date.

Saving a repayment plan does not record a loan repayment. Each saved PUA due date creates a pending record for confirmation; it does not transfer money.

When the plan pays a monthly amount, saving it also sets a reminder on the 1st of each month at that amount; a reminder that is already on moves to the new amount. Each reminder files a pending record for you to confirm; it never moves money. Turn a reminder off with its switch in the loan's row on the policy's Loans tab; a reminder you turned off stays off when you change the plan.

On a policy's Loans tab, Set a plan opens this planner in a dialog on that loan, starting at Step 2. The PUA what-if is only here; Open full planner opens this page.

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Select the walkthrough card to open this article. To find it later, search Help Center for Policy Loan Repayment Planner.

Policy Stack is a tracking and visualization tool. It does not provide financial advice, recommendations, or opinions on what you should do with your banking system.

Policy Stack is independent of and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC or the Nelson Nash Institute.