The infinite banking concept is essentially where you become your own banker. It allows you to build significant CASH value in a life insurance policy that can then be loaned against without having to go to banks or lenders.

Advantages of Infinite Banking

• You may borrow for anything you’d like, with no explanations.
• There are no credit checks required to borrow.
• Dividends, loans and withdrawals are tax-free.
• The policy’s cash value continues to increase over the policy’s lifetime, even while you’re borrowing.
• You can contribute additional money toward your cash value.
• You can lend money from your "bank" to family or loved ones.
• Interest rates are generally lower than for a traditional loan.
• You can pay yourself back at your own pace.
• You’re creating a financial source by funding your future loans while building an inheritance for your beneficiaries in the form of a death benefit.

Banks invest HEAVILY in cash-value life insurance. In fact, they place a SIGNIFICANT portion of their reserves (known as Tier 1 Capital) into CASH VALUE life insurance. Thus, BOLI, or Bank-Owned-Life-Insurance was created. 

Banks actually invest BILLIONS into high cash value insurance. $182.2 Billion (as of 2020) to be exact. 

And for many banks, this cash value life insurance is their LARGEST asset class!

What lessons can we learn by applying the bank's own strategies?

Let's review options and get started creating YOUR own bank!

Your review with an advisor is completely free!