What Counts as a Capital Deployment?

Education

• $30,000 policy loan for tuition, with a plan to restore capital after graduation
• Avoids federal student loan interest and third-party obligations

What Is NOT a Deployment

Not everything you do with your policy is a deployment:

• Paying premiums — this is capitalization, not deployment. You are funding the system, not deploying capital out of it.
• Receiving dividends — dividends are income from the policy, not a deployment of capital.
• Automatic premium loans — the carrier is paying your premium from cash value, not deploying capital externally.
• Partial surrenders / withdrawals — these remove cash value permanently and are not loans being deployed.

Recording a Deployment in Policy Stack

When you record a deployment, you capture:

• Amount — the dollar amount deployed (e.g., $60,000)
• Date — when the capital was deployed
• Type — the category (real estate, business, vehicle, private lending, etc.)
• Expected return — the anticipated return rate or cash flow (for spread calculation)
• Linked loan — which policy loan funded this deployment

Deployment Cash Flows

For deployments that generate ongoing income (rental income, business revenue, note payments), you can record individual cash flow events. This gives you a detailed picture of how each deployment is performing over time.

Example: A $60,000 real estate deployment generates $800/month in net rental income. Recording these monthly cash flows lets Policy Stack track the actual return versus the projected return.

System-Level View

Your Policy Stack dashboard aggregates all deployments to show:

• Total capital deployed across all loans
• Deployment distribution by type
• Cash flow summary from all active assets
• Capital velocity — how many times your capital has cycled through deployments

Disclaimer: Policy Stack is a tracking and visualization tool. It does not provide financial advice, recommendations, or opinions. The concepts described here are for educational purposes. Consult a qualified financial professional for guidance specific to your situation. Policy Stack is independent of and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC or the Nelson Nash Institute.

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.