Become your own banker. The Infinite Banking Concept uses specially designed whole life insurance to create a personal banking system—giving you control, liquidity, and the ability to recapture interest you'd otherwise pay to banks.
Infinite Banking is a strategy that uses dividend-paying whole life insurance to create your own private banking system. Here's the core concept:
Premium payments build guaranteed cash value in a dividend-paying whole life policy.
Access cash value through policy loans for any purpose—cars, investments, emergencies.
Repay the loan on your schedule—with interest going back into your policy, not a bank.
Use the same money for multiple purposes over your lifetime. Your banking system grows.
You decide when to borrow, how much, and when to repay. No credit checks, no applications, no bank approval needed.
Your cash value continues earning dividends even when you've borrowed against it. Your money works twice.
Cash value grows tax-deferred. Policy loans aren't taxable income. Death benefit passes tax-free to beneficiaries.
Create a family banking system that can be passed down. Your children and grandchildren can benefit from what you build.
Access your capital quickly for opportunities or emergencies without selling assets or triggering taxes.
Infinite Banking is a powerful strategy, but it's not for everyone. It may be a good fit if you:
Real talk: Infinite Banking requires discipline and a long-term mindset. It's not a get-rich-quick scheme. Let's talk about whether it aligns with your goals.
Let's explore whether Infinite Banking is the right strategy for your financial goals. I'll explain how it works in detail—no pressure, no hype.