What Is “Private Banking Strategies?”
With Private Banking Strategies, you become your own banker, taking control of your finances and managing your cash flow without centralized banks or government control through “dividend-paying, whole life insurance.” This strategy allows you to create your own bank, borrow and save money on your own terms, and have complete control of your lending transactions. You can’t be turned down for a loan, and you don’t need to fill out any nosey credit apps or pledge any collateral. The only questions you’ll be asked are how much do you want and where do you want it sent? It’s time to take control of your financial future – learn how to create, grow, & protect your wealth without market risk now.
7 Pillars of Private Banking Strategies
The key features of permanent life insurance are:
- Asset Protection
- Tax-Free Growth
- Financial Privacy
- The “Velocity of Money” – Multiple Touches on the Same Dollar
- Guaranteed Compounding Tax Free Growth – can NEVER GO BACKWARDS
- Guaranteed Financing
- Legacy Value – Tax-Free transfer to heirs
Whole Life Insurance
To learn how to become your own banker, you need to have a Participating Mutual Whole Life insurance contract. By super-funding the PUA (paid up additions rider) and minimizing the death benefit expense, this contract becomes the perfect private bank. When set up correctly it becomes a very Private, Tax Advantaged warehouse of money just waiting to be put to work. It grows at a minimum of 4%, plus company profits. That’s because this special contract allows you to be a preferred owner of the insurance company receiving tax-free dividends each year. Although dividends are not guaranteed they have been paid for the last 160 years through the Great Depression, the Great Recession, and all other economic catastrophes and downturns throughout American history.
How Do Private Banking Strategies Work?
Instead of relying on a conventional, centralized bank like Wells Fargo or Bank of America, you establish your own private bank through your insurance policy. The carefully selected and long-standing insurance companies that we use offer returns that outperform the market over the long run, and at the same time, provide a compounded, protected, tax-free growth that no other vehicle can provide (under the current tax laws – so act now). More importantly, the compounding growth and transfer of wealth upon death are tax-exempt strategies that are unique to Private Banking Strategies.
At Private Banking Strategies, we’ll help you create your own bank and consult with you every step of the way so you’re empowered to create, grow & protect your wealth.
How Can I Be The Bank?
As soon as you request your free analysis, we’ll arrange a personal meeting to get things moving. If you start now, you could begin to take back control of your financial future within the next 30 to 60 days. We’ll show you your own results of using our private banking strategies over the first 8 years month by month. The analysis will show you how fast you get out of debt turning your liabilities into assets and how much wealth you will accumulate tax advantaged. These results are conservative and based on the insurance contract guarantees. We’ll also identify your short-term and long-term goals and identify personalized solutions to achieve those goals. We’ll help you determine how much to fund your bank with and identify where you’ll find the funds to start your bank. All of this without working harder or changing your cash-flow.
Recent Posts

An Introduction to the 7 Pillars of Private Banking Strategies
The 7 Pillars form a proven framework for protecting wealth, creating tax-free growth, and building a private banking system that compounds and transfers wealth across generations. By Vance D. Lowe RFC, ChFC, CLU Most people spend their entire lives earning money, yet very few ever gain control over how

What’s the Best Dividend-Paying Whole Life Policy
The best dividend-paying whole life policy is properly designed for liquidity, backed by a strong mutual company, and structured to maximize long-term control of capital. By Vance D. Lowe RFC, ChFC, CLU Most people asking about the “best” dividend-paying whole life policy are asking the wrong question. The real

What Kind of Policy Should You Use for Private Banking Strategies?
A properly structured, dividend-paying whole life policy with high early cash value, heavy paid-up additions, and strict MEC compliance is the only design that consistently works for Private Banking Strategies. By Vance D. Lowe RFC, ChFC, CLU Most people don’t fail at Private Banking Strategies because the concept is
Recent Podcasts
For Private Banking Strategies

Episode 175 – The Biggest Wealth Mistake Happens Before You Even Invest
Many families spend decades building wealth… Very few spend time protecting it. One lawsuit. One probate mistake. One improperly titled asset. Everything changes. In this week’s Private Banking Strategies Podcast, Vance Lowe and Seth Hicks explain why ownership structure may be the single most overlooked principle in wealth preservation. You’ll discover:

Episode 174 – Stop Guessing With Money—Follow a Proven Wealth Blueprint
Successful families don’t become financially independent by accident. They follow a system. In this episode of the Private Banking Strategies Podcast, Vance Lowe explains why every successful private banking strategy begins with an Eight-Year Family Banking Blueprint—a customized roadmap that shows exactly how to organize your money, capture your debt,

Episode 173 – Why Wealth Begins With Better Cash Flow—Not More Income
Most people believe they need to earn more money before they can build lasting wealth.The truth? Many families already have the resources they need—they simply don’t know where to look. In this week’s Private Banking Strategies Podcast, Vance Lowe walks through what actually happens during an exploratory strategy session and