A North American Podcast show focused on helping Canadian & USA families and business owners create dependable wealth using the process of #becomingYourOwnBanker, known as The #InfiniteBankingConcept, with a combination of expert interviews and discussions surrounding business, wealth and cashflow strategies to optimize your financial life. The hosts, Jayson Lowe and Richard Canfield, place a focus on the foundation for economic success using the powerful Infinite Banking Concept created by the late R. Nelson Nash.
Wealth Without Bay Street
Claim This Podcastby Richard Canfield & Jayson Lowe
4.7(31 reviews)
325 episodes
Updated Daily
Accepts GuestsHas SponsorsLocation 🇨🇦
84
Podcast Authority
BetaExcellentBased on show quality, social media presence, reviews, charts, and more
Quality97
Social0
YouTube86
Engagement90
Podcast Overview
A North American Podcast show focused on helping Canadian & USA families and business owners create dependable wealth using the process of #becomingYourOwnBanker, known as The #InfiniteBankingConcept, with a combination of expert interviews and discussions surrounding business, wealth and cashflow strategies to optimize your financial life. The hosts, Jayson Lowe and Richard Canfield, place a focus on the foundation for economic success using the powerful Infinite Banking Concept created by the late R. Nelson Nash.
Language
🇺🇲
Publishing Since
2/5/2020
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84
Podcast Authority
BetaExcellentBased on show quality, social media presence, reviews, charts, and more
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YouTube86
Engagement90
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Recent Episodes
July 16, 2026
330: How to Build a Career as an Infinite Banking Advisor in Canada | Ashley Doyle's Story
Host Michael E. Williams interviews Infinite Banking advisor Ashley Doyle about his journey from military service to building generational wealth in Canada.
July 3, 2026
329: Josh Bought IULs for Infinite Banking, Here’s What Happened
Host [Host Name] interviews [Guest Name], an industry expert, to debunk the myth of using Indexed Universal Life for infinite banking, revealing its origins and why it's not the intended vehicle.
June 25, 2026
328: The Truth About Whole Life Insurance Past Age 100
It is one of the most common questions people ask when they first explore the Infinite Banking Concept, and one of the least talked about in mainstream financial planning. What happens to your dividend-paying whole life insurance policy if you actually live to age 100? Or past it? The short answer is this: the contract becomes more valuable the longer you live. It was literally engineered with extraordinary longevity in mind. But the full answer requires understanding a few key concepts: what happens at maturity, what the risks are if you have been borrowing against your policy, and why longevity planning changes everything about how you structure your financial life. Why Longevity Risk Is More Real Than Ever Most financial plans are built around a retirement window, a period between roughly age 65 and an assumed endpoint. Save enough to cover that window, and you are done. The problem is that the window keeps getting longer. Medical advances, improved nutrition, and AI-assisted healthcare are all pushing life expectancy further than actuarial tables predicted even a decade ago. A 65-year-old couple today has a very high probability of at least one spouse living well into their 90s. Living to age 100 is no longer a statistical anomaly. “Living to age 100, that’s not a freak statistical accident anymore. And if medicine keeps advancing the way that it is, I think that age 100, even age 121, could eventually feel like today’s age 85.” – Jayson, Wealth on Main Street And yet most financial planning conversations are still built around the assumption that you will not live that long. IBC addresses this directly, not by accident, but by design. How a Dividend-Paying Whole Life Policy Is Engineered for Longevity Here is the core mechanic that most people do not understand about dividend-paying whole life insurance. On the day you take out a policy, the insurance company makes a contractual commitment to pay a death benefit, let’s say one million dollars. You might put in fifty thousand dollars in the first year. The insurer is immediately on the hook for the full million. Every single day the policy is in force, the cash value inside the contract grows, accumulating toward the point where it eventually equals the death benefit. This is not a feature. It is a contractual obligation built into the design of every whole life policy. By the time the policy reaches its maturity point age 100 in Canada, age 121 in the United States), the total cash value and the total death benefit are identical. They converge. And at that point, the insurance company’s risk has been fully resolved. “The contract was designed recognizing longevity. The total cash value and the total death benefit at age 100 must be identical. That is a contractual guarantee.” — Richard Canfield, Wealth on Main Street This is not a bug. It is the whole point. The policy was always going to get there; the longer you live, the further along that journey you travel, and the more the asset has grown. Canada vs. the United States: The Age-100 and Age-121 Difference In Canada, whole life policies are calculated to an actuarial maturity point of age 100. In...
325 total episodes available with 45 transcripts
Recent guests on Wealth Without Bay Street
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Ashley Doyle
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Leslie Corbett
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Tara
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Ravi Kainth
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Ravinder Kainth
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Josh
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TD
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Martin Vuksinic
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Lisa Campbell
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Pete Mohr
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Rick Torrison
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Neil Dietrich
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- What is Wealth Without Bay Street?
- How often does this podcast release new episodes?
This podcast updates daily.
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This podcast is available on 10 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
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Yes, this podcast regularly features guests.
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