Have you heard about the retirement programs known as the "770 Account" or "Bank on Yourself", which can result in tax free income in retirement that may rival many other investments? They are heavily marketed on the internet, yet are simply marketing nicknames for what is known as "Overfunded" or "Max Funded" cash value life insurance. IQ Wealth is an authority and primary resource for these types of policies. Many U.S. banks utilize max funded life policies for a part of their cash reserves. In fact, American banks like Bank of American, Wells Fargo, Chase, and Citi owned a combined $130 billion in this asset which is secure, safe, and can be used for cash access with tax deferral when not taking withdrawals. Steve and Sinclair review it in Segment 2. In segment 3, the Q & A segment, gold expert Nick Grovich of American Federated joins the A-Team.