So Why Aren’t You?
ARE YOU LOSING CONTROL OVER YOUR MONEY?
Every entrepreneur, investor, and ambitious professional reaches a point where they ask: “Why am I working so hard while financial institutions take the biggest cut of my wealth?”
The frustration of needing capital to grow a business, expand investments, or cover unexpected expenses while waiting for bank approvals, dealing with credit score requirements, or tying up assets in collateral is a financial bottleneck.
But what if there was a way to access liquidity on demand, without losing control of your money or disrupting your financial growth?
Most people assume the answer is more traditional loans, lines of credit, or risky investments. But the wealthiest individuals and corporations have long used a different system, one that isn’t taught in schools or pushed by financial institutions: Borrowing against high cash value life insurance.
This strategy—when structured correctly—turns your life insurance policy into your own private banking system, creating liquidity, financial flexibility, and uninterrupted growth.
Before dismissing it as “too good to be true,” let’s explore how it actually works, why it’s not mainstream, and why YOU should consider using this strategy to build wealth.
WHY TRADITIONAL LENDING WORKS AGAINST YOU
Borrowing money traditionally comes with one major problem: You are at the mercy of someone else’s rules.
Think about how banks and lenders operate:
✗ They dictate who gets approved and for how much.
✗ They charge interest and take a cut from your wealth.
✗ They make you prove your income, assets, and creditworthiness.
✗ They require collateral that puts your assets at risk.
In contrast, borrowing against your life insurance policy eliminates these barriers and puts you in control of your financial destiny.
So why doesn’t everyone know about this? Because financial institutions make more money when you depend on their loans instead of your own financial system.
Let’s go deeper into how you can take advantage of a system the wealthy have used for decades, and why banks themselves hold billions in cash value life insurance.
HOW BORROWING AGAINST LIFE INSURANCE WORKS
When you own a properly designed dividend-paying whole life insurance policy, it accumulates cash value, which is a growing, liquid asset that you can borrow against without interrupting its growth.
Here’s how it works:
✓ Your cash value remains inside the policy, compounding uninterrupted.
✓ The insurance company lends you money, using your cash value as collateral.
✓ You set your repayment terms—no required monthly payments, no loan officers, no credit checks, no one telling you no!
✓ If the loan is never repaid, the balance is simply deducted from your death benefit.
Think of it like a home equity loan, except your money keeps growing while you use it. Instead of your house, you’re leveraging an asset that continues compounding, earning dividends, and remaining liquid while you use the money.
Comparison: Policy Loans vs. Traditional Financing
Key Takeaway: Unlike bank loans, policy loans give you complete financial flexibility—no approvals, no repayment schedules, and no disruption to your wealth.
HOW BUSINESS OWNERS & INVESTORS USE POLICY LOANS
This is not just a concept. Real business owners and investors from our community use this every day.
1. Expanding a Business or Funding Operations
- Hire new employees to scale operations.
- Purchase inventory or equipment without relying on bank loans.
- Finance marketing and expansion efforts to increase revenue.
- Cover cash flow shortages during slow seasons.
Business Hack: Create IBC policies on your key employees and use the cash value to fund employee benefits like pension plans, medical care, PTO hours etc.
No more waiting on bank approvals. No more rigid repayment schedules. Just liquidity on demand.
Check Out: Retain Top Talent & Secure Your Business
2. Investing in Real Estate & Cash-Flowing Assets
- Leverage cash value as a safety net for unexpected expenses.
- Use policy loans to eliminate high-interest real estate debt.
- Fund down payments on rental properties.
- Rehab investment properties before refinancing or flipping.
Real Estate Hack: Instead of using your savings or cash flow to pay property taxes, borrow against your policy while keeping your cash flow intact, avoiding the opportunity cost of tying up investment capital.
Check Out: How Real Estate Investors Use Infinite Banking
3. Acquiring Another Business or Buying Out a Partner
- Finance a business acquisition without giving up equity.
- Fund a partnership buyout without taking on bank debt.
- Maintain liquidity while structuring favorable deal terms.
- Fund a cross-purchase agreement to safeguard your business from unexpected loss.
Key Benefit: Policy loans allow you to negotiate from a position of strength so you don’t have to rely on lenders or investors to approve your transaction.
FAQS: BORROWING AGAINST YOUR LIFE INSURANCE POLICY
Q. Is borrowing against my life insurance policy a good idea?
A. Yes, when done strategically! Unlike traditional loans, policy loans allow you to access money without interrupting your financial growth. This makes it a powerful tool for business owners, investors, and anyone looking to maximize cash flow.
Q. Do I have to repay my policy loan?
A. While you are not legally required to repay a policy loan, it’s financially wise to do so. Nelson Nash’s principle of “Don’t Steal the Peas” reminds us that repaying loans ensures the system remains intact for future opportunities.
Q. How much can I borrow from my policy?
A. You can typically borrow up to 90% of your policy’s cash value in the first year, depending on the insurer. Your money remains in the policy compounding uninterrupted, even when borrowed against. This ensures your cash value will exceed your premiums, and dividends accelerate this process.
Q. How does interest on policy loans work?
A. Unlike bank loans, policy loan interest is recaptured into your system. The insurance company lends you money while your cash value continues growing uninterrupted, and the interest you pay helps maintain the policy’s long-term sustainability.
TAKE CONTROL OF YOUR FINANCIAL FUTURE WITH INFINITE BANKING
Every day that you wait, banks and financial institutions continue making money off of you. The wealthy have already figured this out. The question is, will you? It’s time to stop depending on banks and start banking on yourself.
Check Out: Infinite Banking Concept, Is Infinite Banking a Scam?
Your Next Steps to Financial Control
“Now What? How Do I Keep This Momentum Going?”
I get it, after reading this, you probably have questions like, “Where do I start?” “How do I make sure I set this up correctly?” and “What if I need more guidance along the way?“
That’s exactly why I’ve created resources to help you stay on track, get your questions answered, and implement this system with confidence.
WEALTHWISE BANKING PODCAST
Think of this as your weekly deep dive into everything we covered here AND MORE, but in real-world conversations. What You’ll Find Inside:
✓ Real-life IBC success stories from entrepreneurs and investors.
✓ Deep dives into Infinite Banking strategies that you won’t find on Google.
✓ Exclusive interviews with financial experts on building generational wealth.
Listen & Subscribe: WealthWise Banking Podcast
Why This Matters: The more you hear about Infinite Banking in action, the more it becomes your new financial reality.
BLOG ARTICLES & EDUCATIONAL VIDEOS
Not ready to jump on a call yet? That’s okay. Start by learning more through our blog and video library on our website. Inside, you’ll find:
✓ Step-by-step guides to setting up and optimizing your Infinite Banking System.
✓ Case studies of people just like you who are using IBC to take financial control.
✓ Answers to all the common objections and misconceptions about this strategy.
Read & Watch Here: Common Cents Solution
Why This Matters: The more you see this system in action, the more clarity you’ll have in applying it to your own life.
SUGGESTED READING LIST
Want to go even deeper? Here are four books that every Builder should have on their shelf:
✓ Becoming Your Own Banker–Nelson Nash (The original IBC blueprint—read this first!)
✓ The Creature from Jekyll Island–G. Edward Griffin (Understand how banks really work.)
✓ What Would the Rockefellers Do?–Garrett Gunderson ( How Builders create lasting wealth.)
✓ Money: Master the Game–Tony Robbins (Money strategies of the ultra-wealthy.)
Why This Matters: Infinite Banking isn’t just a strategy, it’s a paradigm shift. The more you study, the stronger your financial foundation will be. You can access these books on our website here: Books
GET A PERSONALIZED STRATEGY CALL
This is where the rubber meets the road. If you’re serious about transforming your financial future, let’s build your personalized Infinite Banking System.
Book a Free Strategy Call Here: Contact
What We’ll Cover:
✓ Your Financial Goals – Where are you now, and where do you want to be?
✓ IBC System Design – How to structure your policy for max growth & flexibility.
✓ Your Next Steps – Get clear on exactly what to do after this call.
Why This Matters: Builders take action. The fastest way to implement this system is to get expert guidance and build it the right way with Strategists who practice what we teach.
