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The Infinite Banking Concept is a financial strategy, first codified by R. Nelson Nash, that uses high-cash-value, dividend-paying whole-life insurance so policyholders become their own bankers.
They store savings, earn guaranteed growth and tax-deferred dividends, and then can borrow against the policy's cash value.
This creates a powerful system where YOU control your capital, not Wall Street or traditional banks.
You play a big game, and you want your money to keep pace. Being in control is essential to you, and your money is no exception. You don’t have time to be strung along every year, hoping for better returns.
Instead, you want a system that works as long as you live, improving over time like a fine wine. Using your savings to mimic “the bank” with Infinite Banking fits your criteria.
Privatized Banking is a golden key that unlocks and improves every other area of your financial life.
With it, you reduce taxes, increase safety and liquidity, while earning competitive growth with built-in contractual guarantees. This elevates your ability to perform at the highest level in your life and business.
Today’s article will walk you through the building blocks and what it does for you. Then, we’ll show you this system is a strategy that you do, not just a financial product you buy.
What You'll Take Away From This Guide to IBC:
Discover how to build your own private banking system using specially designed permanent life insurance.
Learn why cash value growth gives you both competitive returns and financial security in uncertain times.
See exactly how Infinite Banking works to create simultaneous protection and wealth-building opportunities.
Find out why your life insurance coverage becomes your family's most valuable financial asset.
Understand the strategy wealthy families have used for generations to create lasting prosperity.
Table of contentsWhat Is Infinite Banking?What Is The Infinite Banking Concept?Where The Infinite Banking Concept (IBC) Fits into Your Cash Flow SystemWhy The Infinite Banking Concept Is a Better Place to Store Cash1) Provide Safety, Control, and Certainty2) Accessibility3) Emergency/Opportunity Fund4) Uninterrupted Compound Growth5) Competitive Rate of Return6) Reduce the Interest You Pay7) A Debt-Free Weapon8) Tax Benefits9) Shrinks Opportunity Cost10) Increases Protection11) Each Dollar Does More Than One Job12) Peace of Mind13) Legacy TransferIf Those Aren’t Your Goals, the Infinite Banking Concept Is Not For YouInfinite Banking: A Process That You DoWhat Makes Whole Life Insurance the Perfect Vehicle for the Infinite Banking Concept (IBC)?High Cash ValueA Place to Store CashDividend-PayingWhole Life Insurance PoliciesContractWith a Mutual CompanyWhat Makes Whole Life Insurance Cash Value Such a Great Vehicle for the Infinite Banking Concept?GrowthTax-AdvantagedNet ReturnsLong-Term Actual GrowthSafetyLiquidityYou Don’t Use up Your Cash Value, You Borrow Against ItInfinite Banking ExamplesHome RenovationBusiness EquipmentCar PurchasesInfinite Banking Disadvantages: Know the Trade-OffsUp-Front Drag on LiquidityPremium Discipline: Why You’ll WANT to Stay the CourseLong Game, Generational PayoffThe Infinite Banking Concept: The Bottom LineThe Infinite Banking Concept Puts the Power of Choice In Your HandsLearn More About R Nelson NashLearn More About the Infinite Banking ConceptFAQIs Infinite Banking life insurance or an investment strategy?How much money do I need to start Infinite Banking?Are there any risks I should be aware of?How does the cash value component keep growing when I borrow?Is the growth truly guaranteed?
What Is Infinite Banking?
What Is The Infinite Banking Concept?Infinite Banking is a process of reclaiming the banking function in your life. You become your own banker by creating your own banking system with dividend-paying whole life insurance.