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The Infinite Banking Concept® (IBC) was developed by R. Nelson Nash. He is also the founder of the Nelson Nash Institute and author of Becoming Your Own Banker®—the first edition published over 20 years ago! The mission of the Nelson Nash Institute is “to educate and inspire individuals to take control of their financial lives by reclaiming the bank functions from others.” Similar to the Infinite Financial Solution, the Infinite Banking Concept® uses participating (also known as dividend-paying) whole life insurance as the ultimate savings vehicle. 

 Whether it is called the Infinite Banking Concept ®, Cashflow Insurance, Private Family Bank or our Infinite Financial Solution Banking Policy, we are dedicated to provide the right financial education to business owners, real estate investors and professionals about how to use Infinite Banking Concept® for your family or business.

"If only a minority of people are wealthy, why do we follow what the majority of people do financially" 

- Garrett Gunderson

How does it work?

When structured in the right way, the cash value of a participating whole life insurance policy is comparable to the equity you build up in a home or real estate property when you pay a mortgage.

A home is an asset with a certain value you can use as collateral to obtain a loan called a HELOC (Home Equity Line of Credit). When you pay into the mortgage on your home, the payments reduce what you owe, and you gain in home equity—the value of the paid-off portion of your mortgage. The value of your home remains but you are leveraging the equity to collateralize the HELOC.

A participating whole life policy is permanent insurance that also creates equity, with what is referred to as a cash value. This cash value is also considered an asset you can use as collateral—one of the reasons we often compare it to homeownership. And along the same lines as the HELOC scenario, when you take a loan out on your whole life insurance policy, the cash value stays the same—as if you haven’t even touched it because you are leveraging the equity in the policy’s cash value as collateral.

One key difference with a specifically designed high cash value participating whole life insurance policy is, you can access your money without going through financials—which is not usually the case with a HELOC. You simply request the policy loan and within days, you receive the funds.

 “The question is how much of the banking function do you control as it pertains to your needs.” – R. Nelson Nash 

Another key difference with this type of policy is the time-proven potential to earn dividends. Impressively, these types of policies have been paying out dividends in North America since 1848. The policy is structured to use these dividends to purchase more insurance known as paid-up additions, which accelerate and fast-tracks the growth of both the cash value and death benefit in your policy.

Here are just a few of the ways an Infinite Financial Solution banking policy is a unique, all-in-one financial solution that works to protect and preserve your estate and legacy in the future while helping you plan and self-finance many of life’s big purchases today:

Tax Advantages – Under current law, create a tax-free retirement income; you can access your principal and growth with no taxes due.

Insurance Protection – Financially protect your family and leave a legacy.

Cash Flow – Optimize more of your money to create an emergency fund, self-finance lifestyle needs and save for retirement simultaneously.

Annual Dividends –  Build wealth through secure, predictable, long-term savings growth.

Guaranteed Returns – Keep more of your money by eliminating financial loss & unnecessary risk.

Financial Control – Have access to your money without paying penalties for whatever your financial needs may be for your todays and your tomorrows. Know what your retirement account will be worth on the day you plan to retire.

Legacy Planning – Preserve your estate for future generations or leave a charitable legacy.

You can contact us to learn more about it and see how you and your business can benefit from it by booking an appointment with no obligation.