Policy Structure
A participating whole life policy is designed with paid-up additions to build cash value, subject to carrier underwriting and suitability.
Education first
The Infinite Banking Concept.
An educational approach involving properly designed participating whole-life insurance that may be incorporated into a personal financing strategy.
A personal financing strategy.
The Infinite Banking Concept involves a properly structured, over-funded participating whole-life policy used as a personal financing system. It requires disciplined funding and loan management, and results depend on policy design and individual circumstances.
Funding the Policy
You fund the policy over time. Cash value depends on the contract and any insurer dividends, which are not guaranteed.
Policy Loans
Policy loans may provide access to liquidity. Loans accrue interest and reduce available cash value and death benefit; disciplined repayment is essential.
Understand the costs and limitations.
Guaranteed & Non-Guaranteed Values
Guaranteed values depend on the issuing insurer's claims-paying ability. Non-guaranteed values, including dividends, are not guaranteed and may be lower or zero.
Loans Have Costs
Policy loans accrue interest and reduce available cash value and death benefit. Excessive borrowing or poor policy management can contribute to lapse.
Education First
We teach the concept, then help you evaluate whether a policy structure fits your goals and the issuing carrier's requirements. Suitability depends on your individual circumstances.
Important disclosures.
The Infinite Banking Concept is an educational strategy, not a specific product or guaranteed outcome. Suitability depends on your individual circumstances.
Policy loans and withdrawals reduce cash value and death benefit and may be subject to tax consequences if the policy lapses.
Dividends are not guaranteed and depend on the issuing insurance company's experience. Guarantees are based on the claims-paying ability of the issuing insurance company. Product availability varies by state and carrier.
Move forward with understanding.
If you would like to discuss your questions, arrange a conversation with our team.
Educational content only; not individualized financial, tax or legal advice. Product availability varies by state and carrier. Licensing and carrier contracting are required before solicitation. Guarantees depend on the issuing insurance company's claims-paying ability.