Core Learning 

How to Use This Curriculum

Our Training List

This is a prioritized reading list that I’ll be working through to sharpen my expertise and stay ahead of the curve. Each book has been chosen because it adds depth to the strategies, mindset, and systems that Generational Growth delivers. As I study and integrate these lessons, I’ll continue refining the vault so GG clients always receive the best knowledge, tools, and guidance available.

Why This Curriculum Matters

Quick definitions to cut through the jargon and keep you sharp

• Accelerated Death Benefit (ADB) Rider

Lets you tap into the death benefit early if you’re diagnosed with a terminal illness. This prevents families from having to sell assets or drain savings in crisis. At GG, this aligns with our mission: the system protects you in both expected and unexpected seasons of life.

• Banking Function

The constant flow of money in and out of your life—car payments, mortgages, taxes, vacations, investments. You’re already banking; the question is who controls the bank? GG exists to show you how to redirect that function into your own system.

• Base Premium

The foundation of a whole life policy. Think of it as the “rent” you pay to keep the policy alive. At GG, we design this as lean as possible while still keeping the policy strong.

• Cash Value

The living, breathing liquidity inside your policy. This is the pool we use for loans, leverage, and building assets outside Wall Street.

• Child / Family Rider

Lets you add small coverage on children or a spouse, which can later be converted into their own whole life policies. It’s a way to start building a multigenerational banking system with very little cost up front. GG uses this when clients want to “plant the seeds” of family banks early.

• Chronic & Critical Illness Combo Riders

Some companies bundle chronic, critical, and terminal illness riders together. They essentially turn part of your death benefit into living benefits for health events like heart attack, cancer, or stroke. GG sees this as a way to make infinite banking not just a wealth strategy, but a holistic safety net.

• Chronic Illness Rider

A living benefit that allows you to access a portion of your death benefit if you’re diagnosed with a qualifying chronic illness. Instead of being locked up until you pass, your policy can provide cash during a major life challenge. At GG, we see this as part of making your vault not just a wealth tool, but a resilience tool.

• Convertible Term Rider

A temporary layer of extra death benefit that you can later convert into whole life. This rider creates more “room” for PUAs in the early years and sets you up for future policies. GG often uses this to ladder into larger family banking systems. When we convert term we DO NOT have to redo medical examination; this is huge for locking in insurability and reducing system risk. 

• Death Benefit

The long-game legacy. While we focus on cash flow and leverage, remember: your family, foundation, or mission will receive a guaranteed payout in the end.

• Direct vs. Non-Direct Recognition

Two ways insurance companies credit dividends.

Direct recognition: dividends adjust if you have a loan. Non-direct recognition: dividends stay the same whether or not you borrow. At GG, we prefer non-direct recognition for clients focused on heavy leverage strategies (like real estate).

• Dividend

Your share of the insurance company’s profits, credited to your policy each year. Dividends aren’t guaranteed but many mutual companies have paid them every year for 100+ years, through wars and recessions. At GG, dividends are a quiet powerhouse—small in the short term, unstoppable in the long term. Dividends are actually a return on premium, but we call them dividends in the WL space. 

• Guaranteed Insurability Rider (GIR)

Gives you the right to purchase additional coverage later without another medical exam. This is valuable for young clients who want the option to expand policies as income grows. GG adds this for builders who know they’ll scale up their system over time.

• Infinite Banking

The strategy of becoming your own banker—redirecting dollars through your own system to escape the rigged one. The foundation of everything we train at GG.

• Loan Interest

The rate you pay when borrowing against your policy. Unlike a bank loan, this interest doesn’t destroy your compounding. At GG, we train clients to treat loan interest as the cost of accessing liquidity, while recognizing that the opportunity created by leverage outweighs the cost.

• MEC (Modified Endowment Contract)

Cross this line and the IRS treats your policy like an investment, not insurance. GG training shows you how to get close to the MEC line—without crossing it—to keep your policy efficient and tax-favored.

• Non-Direct Recognition

Your policy still earns full dividends even while a loan is outstanding. A key design feature in GG policies that keeps your money working on both sides.

• Overloan Protection Rider (OLP)

A safeguard that prevents your policy from lapsing if you’ve borrowed heavily. Without it, taking too much loan in retirement could cause a tax problem. GG designs policies with this rider when clients plan to use maximum leverage later in life.

• PUA (Paid-Up Additions)

The fuel that builds cash value fast. Adding PUAs is how we accelerate your vault’s growth and maximize control of your money.

• Paid-Up Additions Rider (PUAR)

The most important rider in infinite banking. This rider allows you to pour in extra premium beyond your base and immediately boost cash value and death benefit. Without PUAR, your policy would crawl; with it, your vault compounds with speed and flexibility.

• Policy Loan

Borrowing against your policy while it keeps compounding in the background. At GG, this is the engine that funds real estate, business plays, and long-term growth.

• Premium Flexibility

The ability to adjust how much you contribute beyond your base premium. Flexibility comes from PUAs and riders that allow you to scale contributions up or down. At GG, this ensures your policy can adapt to life changes without breaking the system.

• Term Rider / Convertible Term

Adds temporary, low-cost death benefit to your policy. This does two things: (1) increases your insurable pool, and (2) creates “room” for more PUAs. Later, you can convert this term into permanent whole life without another medical exam. At GG, we use this to ladder into bigger family systems over time.

• UL (Universal Life Insurance)

A flexible type of permanent life insurance introduced in the late 1970s, tied to the era of high interest rates and Wall Street growth. UL allows you to adjust premiums and death benefit, but cash value growth depends on current interest rates set by the insurer.

• VL (Variable Life Insurance)

A form of permanent life insurance where cash value is invested in sub-accounts similar to mutual funds. Policy growth is tied to market performance, which means gains aren’t guaranteed and losses can shrink your cash value.

• Waiver of Premium Rider (WOP)

If you become disabled and can’t work, this rider ensures your base premium is still paid. That means your cash value keeps growing, dividends keep flowing, and your family bank stays on track. GG recommends this for disciplined builders who want insurance for their insurance.

Curated Podcasts and Talks