Infinite Banking System

As a financially savvy investor, you know that protecting your assets, avoiding unnecessary taxation, and creating and preserving a financial legacy is crucial for long-term financial success. That is why we want to introduce you to the concept of Infinite Banking, a financial strategy that can help you achieve your financial goals while minimizing risk.

What Is Infinite Banking?

Infinite Banking is a financial strategy that allows you to create your own personal banking system using a whole life insurance policy. It enables you to keep what you make, get the money back that comes under your control; and earn, grow, and compound that growth completely tax-free – all with complete liquidity. Essentially, you become your own banker, creating a source of financing that you control and manage.

Why Infinite Banking?

By implementing Infinite Banking, you can:

  1. Protect your assets
  2. Maintain financial privacy
  3. Earn, grow and compound your money tax-free
  4. Use the same dollar more than once – get the “velocity of money”
  5. Guaranteed growth – Never lose value in the wealth you have earned (unlike any other investment)
  6. Guaranteed financing
  7. Transfer  your wealth tax free to the next generation
  8. Achieve Financial Freedom

Infinite Banking allows you to create a source of financing that you control and manage, enabling you to avoid traditional financing options that often come with high-interest rates, fees, and other hidden costs. Plus, utilizing a whole life insurance policy can earn dividends, thereby further increasing your wealth.

Infinite Banking FAQs

Infinite Banking is a concept that involves using a specially designed whole life insurance policy as a financial tool to create a personal banking system. It allows individuals to become their own banker by leveraging the policy’s cash value to fund your specific banking needs.

Infinite Banking works by purchasing a participating whole life insurance policy from a mutual insurance company. Over time, the policy accumulates cash value, which can be accessed through policy loans. These loans can be used for personal or business expenses, investments, or any other financial needs. The goal is to repay the loans and restore the policy’s cash value, allowing for future use and getting multiple uses from the same dollar coming under your control.

No, Infinite Banking is not exclusive to the wealthy. While it is true that higher-income individuals may have more funds to allocate towards policies, the concept can be applied by anyone who is interested in building a long-term financial strategy. The key is to start with a policy that fits within your budget and gradually grow it over time.

Infinite Banking offers several benefits. First, it allows individuals to grow their wealth while maintaining access to funds for various needs. It also provides a tax free environment for your wealth to grow and compound. Additionally, the policy’s death benefit can provide financial security for loved ones – tax free. Finally, Infinite Banking allows for increased control over one’s finances, reducing reliance on traditional banks and lenders and other third-party controls.

Yes, one of the advantages of Infinite Banking is that it allows you to maintain flexibility in your investments. By leveraging the policy’s cash value, you can access funds to invest in real estate, stocks, businesses, or any other opportunity – that’s why it’s called “infinite banking.” This strategy enables you to create a diversified portfolio while still having access to capital through the policy – on terms that you set and control.

Infinite Banking can replace traditional banking entirely as a storehouse for cash money.  Traditional banking is still necessary for convenience to move and transfer money into private banking systems but should not be a storehouse for accumulated cash wealth.  As for using traditional banking for financing while growing your private banking system, it can be a good strategy.  This is an example of “leverage” – often used in the real estate investment world to acquire more assets and build larger cash flow than what would otherwise be obtainable.

Yes – it is possible to begin at any age. Remember, you want asset protection, a tax-free growth environment, financial privacy and legacy value – these benefits are not age dependent.

Yes, Infinite Banking can be used for both personal and business purposes. The policy loans obtained through Infinite Banking can be used to fund business ventures, business expansion, to cover expenses, or provide additional working capital. This flexibility makes Infinite Banking an attractive option for entrepreneurs and business owners.

The values and benefits of infinite banking are deep and wide – unlike anything else available to Americans.  We have yet to find a family, a business, or an individual who cannot benefit from Infinite Banking far more than other alternatives out there.  The seven pillars of Private Banking Strategies provide a summary of why anyone can, and should, benefit from infinite banking.

How Does Infinite Banking Work?

Infinite Banking works by utilizing a whole life insurance policy. You contribute funds to the policy, which grows tax-free over time. You can then borrow against the policy’s cash value to acquire real estate or other assets, buy a business, expand a business, fund other types of investments, purchase interest debt for cyclical cash flow, or utilize it for retirement purposes and structure (tax free), or for anything else that you choose. The policy’s cash value secures the loan, and the interest rate you pay is typically lower than what you would pay for traditional financing options.

How to Get Started with Infinite Banking

If you are interested in implementing Infinite Banking, the first step is to educate yourself. Check out our podcast and read (or listen to) our free E-book to learn more about the concept and how it can benefit you.

Once you are ready to get started, please schedule a consultation with us. We can help you determine if Infinite Banking is right for you and guide you through the process of setting up your own private banking system.

Do not wait to take control of your financial future. Contact us today to learn more about Infinite Banking and how it can benefit you.