Advance Market is a type of life insurance that offers both a death benefit and a cash value component. The cash value is linked to the performance of a stock market index, providing the policy holder with the potential for growth. One of the key advantages is flexibility, allowing policy holders to adjust premium payments and death benefits.

IBC is a financial strategy centered around whole life insurance policies. In this concept, individuals use a specially designed whole life policy as a financial tool. Over time, the policy builds cash value, which can be accessed through policy loans. The idea is to create a personal banking system, where individuals borrow from themselves instead of traditional banks.