Infinite banking uses a dividend-paying whole life policy as your own source of financing. Build cash value, borrow against it, and pay yourself back.
Whole life cash value grows at a guaranteed rate, with the potential for dividends.
Policy loans need no credit check and you set the repayment schedule.
A tax-free death benefit protects your family the whole time.
With infinite banking you fund a whole life policy designed for high early cash value, usually with paid-up additions. When you need money for a car, a business or an investment, you take a policy loan instead of going to a bank. Your full cash value keeps earning while it's used as collateral.
It works best for disciplined savers with a long time horizon. It takes years to build meaningful cash value, loans accrue interest, and unpaid loans reduce the death benefit. Policy design makes or breaks the strategy, which is why we design and review every policy we place.
Get the free guide and see if it fits.
We build a policy for maximum early cash value.
Borrow, repay, repeat, while your money keeps growing.
How IUL and whole life grow cash value, protect your family, and let you borrow from your own policy. Download it free, then book a no-pressure 15-minute call if you'd like to see your own numbers.
It can, when the whole life policy is designed for cash value and the owner funds it consistently and repays loans. It is a long-term strategy.
A dividend-paying whole life policy from a mutual insurance company, usually with a paid-up additions rider.
Policy loans are generally not taxable while the policy stays in force and isn't a modified endowment contract (MEC).
Cash value builds over time. A well-designed policy has usable cash value early, but meaningful borrowing capacity usually takes several years.
