Strategy Pillar

Infinite Banking Concept

Become Your Own Banker

Stop paying interest to banks. Start recapturing that wealth for your family. Discover the strategy used by the wealthy for generations.

Schedule IBC Strategy Session Learn Fundamentals

The Core Insight

You Finance Everything You Buy

"You finance everything you buy. You either pay interest to someone else, or you give up interest you could have earned." — Nelson Nash

Every year, American families transfer billions in wealth to banks through interest payments on cars, homes, and credit cards. That money flows away from your family forever.

The Infinite Banking Concept (IBC) changes the flow. Instead of paying the bank, you use a specially designed dividend-paying whole life policy to finance your life. You pay the interest to yourself, building wealth with every transaction.

The Bank's Plan

You deposit money → Bank pays you 1%

You borrow money → You pay Bank 7%

Bank keeps the spread.

Your IBC Plan

You save in Policy → Grows at 5-6%

You borrow from Policy → Pay yourself back

You keep the spread AND the growth.

The Mechanics

How It Works

It's not magic. It's arbitrage and actuarial science.

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Recapture Interest

Pay interest to yourself instead of banks

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Control

Access capital without credit checks or approvals

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Uninterrupted Growth

Cash value grows even while you use it

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Generational

Pass the banking system to heirs tax-free

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Protection

Guaranteed growth and death benefit

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Liquidity

Access cash in days, not weeks

Comparison

Traditional Banking vs. IBC

Feature	Traditional Bank	Your Banking System
Interest Recipient	The Bank	You (Policy Owner)
Collateral	Your Assets	Your Cash Value
Approval Process	Credit Check / App	None
Repayment Terms	Bank Decides	You Decide
Growth During Loan	Stops	Continues

Suitability

Who Is IBC For?

This strategy isn't for everyone. It requires discipline and a long-term mindset.

Ideal Candidates

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Business OwnersFinance equipment, inventory, and expansion without bank approval.
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Real Estate InvestorsKeep capital liquid for deals while earning returns.
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FamiliesCreate a multi-generational financing system for education and homes.

The "AND" Asset

Your whole life cash value is an "AND" asset. You can use it AND keep it growing.

When you withdraw from a savings account, the interest stops. When you borrow from your policy, the dividends continue on the full balance.

Uninterrupted Compounding is the Secret

Questions

Common IBC Questions

IBC is a paradigm shift. It requires unlearning what banks have taught you about money.

Get Your Questions Answered

Savings accounts pay low interest that is taxable, and growth stops when you spend it. Whole life cash value grows tax-free, offers higher potential returns, and continues growing even when borrowed against.

All insurance has costs, but properly designed IBC policies minimize base insurance costs and maximize cash value through Paid-Up Additions (PUAs). The long-term banking benefits far outweigh the costs.

Most properly designed policies have usable cash value in Year 1. Significant capacity develops in years 3-5, and optimal efficiency is reached in years 7-10+.

No. IBC typically uses Whole Life for guarantees and stability. FlexVault uses Indexed Universal Life (IUL) for higher accumulation potential. Both are Section 7702 strategies, but serve different goals.

Start Your Banking System

In a complimentary IBC Strategy Session, we'll review your current financing patterns and calculate how much interest you could recapture for your family.

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