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The Philosophy Of Infinite Banking

Infinite banking is a concept that allows an individual to capture the opportunity cost of their money. The whole idea is to recapture the interest that one is paying to banks and finance companies for the major items that we need during a lifetime, such as automobiles, education, homes, investment opportunities, and business equipment. The only vehicle that should be used for Infinite Banking is dividend-paying whole life insurance. The Cash Value that is always increasing on a guaranteed basis can be used as collateral to take out low-interest policy loans to assume the position of banker in your life. As the Cash Value grows every year it will provide a passive income source for later years.

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Infinite banking is a concept that allows an individual to capture the opportunity cost of their money. The whole idea is to recapture the interest that one is paying to banks and finance companies for the major items that we need during a lifetime, such as automobiles, education, homes, investment opportunities, and business equipment. The only vehicle that should be used for Infinite Banking is dividend-paying whole life insurance. The Cash Value that is always increasing on a guaranteed basis can be used as collateral to take out low-interest policy loans to assume the position of banker in your life. As the Cash Value grows every year it will provide a passive income source for later years.

What Is The Infinite Banking Concept?

Once you have decided how much of your income you would like to save into a dividend-paying whole life insurance policy, you are now on your first step to becoming your own banker. Depending on how much money you are saving into the policy will determine how quickly the cash will accumulate. Obviously the more you save the more you’ll have access to.

Here’s where the banking part comes into play. Let’s say your family or business needs to buy a new vehicle. You have a few different options. Option one is to finance the vehicle through a commercial bank or financial institution. The problem here is that now you have created an interest payment. Nobody likes to make interest payments. Because we hate making interest payments so much, we’ve been taught to use option two – save up our money and pay cash for the vehicle. That way we don’t pay anyone interest.

The Features Of Infinite Banking

Cash Flow

By becoming your own banker, you will see your assets grow exponentially without having to work any harder or take any additional risk.

Control

It's your wealth.  You should be in command of the process by which you grow and save money for the future.

Legacy

A good man leaves an inheritance to his children's children. 
Proverbs 13:22

Liquidity

Quick access to your capital without fees or penalties.

Creditor Protected

With a dividend-paying whole life insurance policy, your wealth will be residing in an asset that is private and protected from creditors and predators.

Certainty

Be positive your wealth is growing guaranteed in a financial environment with over 100+ consecutive years of profitability. 

What Our Clients Say

"Before I started Infinite Banking, my financial life was a bit chaotic. I was investing (and still am), but I wasn’t “double-dipping” like you can within the infinite banking system. I’m now able to increase my investment yield by taking a few additional simple steps."

Cindy

Are You Ready To Become Your Own Banker?

It is easy to see why individuals would want to utilize their whole life insurance policies as financial tools that drastically improve their flow of money. Infinite banking allows you to borrow against the Cash Value that builds up inside your Whole Life policy and use Other People’s Money to finance the things in your life so your money is always growing at a compounded rate. This is one of the fundamental principles of the money game. Never interrupt the compounding of your capital. 

Where Americans have been taught to save their money are some of the least effective places. Other than keeping your money liquid they serve very little real purpose other than helping someone else get very wealthy. By simply changing where you save you will be empowered by seeing your wealth grow each year. 

Ultimately, the process of becoming your own banker is about learning how money really works. Banks and Wall-street continually teach middle America that building wealth is complicated and takes 30 years to “win the money game”. Their plan for you is to accumulate money in a speculative environment (where you will most definitely lose money) and then when you’re 59 ½ you can use YOUR money… All the while they get wealthier every single year by using your money. 

Reach out to one of our Wealth strategists and see how they can help you implement this process for you, your family, and your business. 

"A part of all you earn is yours to keep."

The Richest Man in Babylon

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