what is the waterfall method the waterfall method is every single individual of the rockefeller family got a very large life insurance policy put on them the beneficiaries of those life insurance policies always tied back to the trust and then within sight of the trust was a cash value life insurance policy which is used as the family bank now the family bank is inside the trust so it acts as like a family vault now all the family members can take loans from the cash value life insurance throughout their whole life when they die and pass away that death benefit pays it all back therefore replenishing all the funds that they used throughout their life and with every single generation and generation generation the family trust just keeps getting poured in with more and more and more and more money therefore making a family richer and more powerful therefore creating generational wealth