The following is a SketchNote (‘SketchNote Handbook‘).  Basically a graphical notes page that describes an IBC policy loan example used to make an investment.  In this case, the investment is $50k for an apartment complex deal where the returns should be considerably higher than the guaranteed returns on your cash value, and considerably higher than the interest rate on your policy loan.

This model works for non-direct recognition whole life policies.  Not sure what that means?  Check out Insurance Pro Podcast for a simple introduction.  There are many books to dig into the details including:  Money. Wealth. Life Insurance,  The Bank on Yourself Revolution, Becoming Your Own Banker, and A Path To Financial Peace of Mind.