FlexVault vs Infinite Banking

Two Paths to Becoming Your Own Banker

Both strategies let you build a personal banking system with tax advantages. But FlexVault optimizes for BOTH banking AND retirement income, while traditional Infinite Banking focuses primarily on the banking function.

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12%+

FlexVault Target Returns

3-5%

Whole Life Rate

FlexVault Components

2-3x

More Retirement Income

Quick Comparison

Feature	FlexVault Strategy	Traditional Infinite Banking
Core Approach	4-component system	Single whole life policy
Primary Vehicle	Well-built IUL + 3 added components	Whole Life Insurance
Primary Goal	Banking + Optimized Retirement Income	Personal Banking System
Target Returns	12%+ combined (4 components)	3-5% dividend rate
Cash Accumulation	Accelerated (component stacking)	Slower (more predictable)
Retirement Focus	Fully optimized with tax planning	Secondary consideration
Loan Arbitrage	Higher spread + carrier/bank options	Lower but predictable spread
Best For	High earners wanting full optimization	Pure banking system focus

The Core Philosophy Difference

BANKING + RETIREMENT

FlexVault: Dual-Purpose Optimization

FlexVault is a 4-component system that maximizes both banking AND retirement income:

•Component 1: Well-built IUL foundation (6-8% base)
•Component 2: Strategic cash value guidance (+1-3%)
•Component 3: Advanced tax planning (+0-3%)
•Component 4: Portfolio integration/IOP (+1-4%)

Best for: High earners ($300K+) who want 12%+ target returns through professional optimization, not just a standalone policy.

BANKING FOCUSED

Infinite Banking: Pure Banking System

Traditional IBC focuses on creating a personal banking system using whole life insurance:

•Vehicle: Dividend-paying whole life insurance
•Banking: Guaranteed loan access from year one
•Retirement: Secondary benefit, not optimized
•Growth: 3-5% dividend rate, fully guaranteed

Best for: Those who prioritize guaranteed values and a pure banking system over maximum growth potential.

Both strategies let you become your own banker

Banking Feature Comparison

Banking Feature	FlexVault	Infinite Banking (Whole Life)
Policy Loans Available	Yes (after cash builds)	Yes (from year 1)
Loan Interest Rate	4-6% variable	5-8% fixed
Cash Value Growth While Borrowed	Full uninterrupted growth	Full uninterrupted growth
Arbitrage Potential	2-5%+ spread possible	0-3% spread typical
Flexibility	Premium can vary	Fixed premium required
Guaranteed Values	Floor protection (0%)	Guaranteed cash schedule

$50,000/year contribution, starting at age 40

25-Year Wealth Projection

Metric (25 Years)	FlexVault (4-Component)	Infinite Banking (Whole Life)
Total Premiums	$1,000,000	$1,000,000
Combined Growth Rate	12%+ (all 4 components)	3-5% dividend
Projected Cash Value	~$4,000,000+	~$1,400,000
Tax-Free Retirement Income	~$200,000/year	~$70,000/year
Banking Capacity	$3,000,000+	$1,000,000+
Death Benefit	~$5,000,000+	~$1,800,000

Key Insight: With identical contributions, FlexVault's 4-component system projects $2.6M more in cash value and $130,000 more annual tax-free income. Over a 25+ year retirement, this difference represents $3+ million in additional lifetime income.

When to Choose Each Strategy

Choose FlexVault When...

✓You want 12%+ target returns through 4 integrated components
✓You're comfortable with professional management and complexity
✓You have 15+ years until retirement
✓You value optimization over simplicity
✓You want both banking AND maximum tax-free retirement income

Choose Traditional IBC When...

✓You prioritize guaranteed values above all else
✓The banking function is your primary goal
✓You prefer predictable, steady growth
✓You're more conservative with financial products
✓You want immediate loan access from year one

Frequently Asked Questions

FlexVault is a 4-component wealth-building system. Component 1 is a well-built IUL foundation (6-8% returns). Component 2 adds strategic cash value guidance (+1-3%). Component 3 integrates advanced tax planning (+0-3%). Component 4 coordinates your portfolio for enhanced performance (+1-4%). Together these target 12%+ combined returns while providing banking capability.

FlexVault uses similar banking mechanics (policy loans, uninterrupted compounding) but goes far beyond traditional IBC. While whole life IBC is a single product, FlexVault is a 4-component system that adds professional guidance, tax planning, and portfolio integration on top of the IUL foundation.

FlexVault targets 12%+ combined returns vs 3-5% for whole life. The 4 components work together: better IUL foundation, active cash value guidance, integrated tax planning, and portfolio coordination. You get stronger banking AND significantly more retirement income.

Yes. FlexVault works excellently for real estate financing. The 4-component system builds cash value faster, giving you more borrowing capacity sooner. Plus the tax planning component can optimize how you handle real estate income and gains.

This strategy ignores tax drag (1-3% annually) and requires exceptional discipline. FlexVault's 4 components provide tax-free growth, professional optimization, death benefit protection, living benefits, AND a banking system—none of which "buy term and invest" provides.

Which Strategy is Right for You?

Both FlexVault and Infinite Banking can help you build wealth while becoming your own banker. The right choice depends on your goals, timeline, and risk tolerance. Let's run the numbers for YOUR situation.

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