Infinite Banking Concepts®
Authorized Practitioner
Are you tired of following all the “rules” of traditional financial advice—saving, investing, and managing debt—yet still feeling like your hard work isn’t paying off? What if there’s a better way? At Common Cents Solution, we teach a 200-year proven financial strategy that empowers you to take control of your money, eliminate debt, build lasting wealth, and create a legacy for generations. It’s time to stop feeling stuck and start mastering your financial future. True Wealth begins with a Common Cents Solution.
Imagine redirecting every dollar of interest you’ve been paying to banks and lenders back into your own pocket. With our strategy, you’ll stop the financial leaks caused by taxes, interest, fees and inefficiencies—and reclaim your hard-earned money. This isn’t just about reducing debt; it’s about eliminating the stress and gaining the freedom to use your money how you see fit.
Ready to take control?
We teach a time-tested strategy that allows your savings to grow with guaranteed, uninterrupted compound interest—regardless of market conditions. You’ll gain liquidity, flexibility, and control over your cash flow, empowering you to seize opportunities and build wealth on your terms. This isn’t just about growing money; it’s about creating a financial foundation that offers both stability and growth.
Learn how
Leave a legacy that stands the test of time. Our process helps you create a financial safety net that grows and protects your wealth while providing a tax-free inheritance for your loved ones. Whether it’s securing your family’s future, supporting your favorite causes, or teaching financial stewardship to the next generation, we’ll help you build a legacy that lasts.
Create your legacy
The Architect of Financial Freedom: A Thought Leader in Infinite Banking
"Jeremy Huggins is more than just an expert; he’s a true thought leader and strategist in the world of Infinite Banking. His people-first approach opened my eyes to the immense opportunities this strategy provides.
Jeremy provides a clear, thoughtful roadmap to eliminating debt, growing wealth, and securing a lasting financial legacy. His ability to simplify complex financial concepts and tailor solutions to individual needs makes Infinite Banking a powerful tool for both short- and long-term goals.
If you’re serious about taking control of your financial future, Jeremy is the expert you need in your corner."
A Lifelong Insurance Professional’s Eye-Opening Journey into Infinite Banking
"My name is Blane and I’ve been in the insurance industry for over 20 years. Before meeting Jeremy, I had never even heard of the Infinite Banking Concept. Since then, I’ve set up banking systems for my entire immediate family, including my two sons, to give them a strong financial foundation.
Looking back, I only wish I had learned about this decades ago.
If you’re considering Infinite Banking, even if you’re a financial professional in banking, insurance, or investments, my advice is simple: keep an open mind. You might just learn something that changes your financial future."
Taking Back Control: How IBC Helped Me Keep More of My Hard-Earned Money
"When I first heard about the Infinite Banking Concept (IBC), I couldn’t believe what I was hearing—not because it ‘sounded too good to be true,’ but because I had been searching for an alternative to traditional finance for a long time.
Like many people, I worked hard for my money, yet a large portion of it disappeared to taxes, fees, and interest. I always thought, ‘There has to be a better way to keep more of what I earn.’ When I discovered IBC, it was a no-brainer, and I jumped in immediately.
Though I’m still new to this process, my experience has been nothing short of amazing! Jeremy has been the key reason why everything has gone so smoothly. Setting up my IBC policy took less than two months, and that was only delayed due to personal matters. He is a wealth of knowledge, always available to answer my questions, and has made this transition effortless.
As a pilot, I’ve flown with many different people over the years, and I’ve learned how to read character well. Jeremy is a man of impeccable integrity—trustworthy, professional, and, most importantly, honest. That’s rare to find in this industry.
I still have a lot to learn, but I’m excited for the future. The ability to be my own bank and keep more of my money for investments, purchases, and even tax-free retirement income is mind-blowing. The best part? I’ll be able to pass this system down to my children, ensuring our family’s wealth grows for generations, completely tax-free! If there’s one thing I regret, it’s that I didn’t learn about this sooner."
Guiding My Family to Financial Freedom with IBC
“Jeremy will not let you down! I cannot recommend him enough. I leaned on his expertise when exploring the Infinite Banking Concept for my own family's journey toward financial freedom.
From the start, he genuinely cared about my family’s success and went above and beyond to ensure we were confident in our IBC decision. His ability to clearly explain the process, combined with his professionalism and integrity, made all the difference.
Jeremy is highly articulate and professional. If you're considering Infinite Banking, you are in great hands.”
From Skeptic to Believer: How I Transformed My Finances with IBC
“My cash flow life insurance policy has done exactly what I needed it to do. I just wish I had known about it earlier in life! When I first heard about building my own bank using life insurance, I was skeptical. But after doing my own research, I was shocked to realize how much I had overpaid for financial products and how much opportunity cost I had lost.
Although I’m in my late 50s, I’ve been able to refinance much of my divorce debt, secure long-term care coverage, and improve my financial outlook. The reduced exposure to court judgments, quick access to funding, lower debt service costs, deferred tax liability, and increased return on invested capital go far beyond the death benefit.
Thanks to Jeremy for introducing me to this process. The dividends will benefit me and my family long after I pass away, just like the Rockefellers.”
From Uncertainty to Confidence: How a 1035 Exchange Transformed My Policy
“If you’re looking for life insurance or restructuring your finances but aren’t sure where to start, I highly recommend Jeremy Huggins. He was instrumental in helping me transition my life insurance policy to one that better fit my needs. Thanks to Jeremy’s expertise, I was able to make an informed decision, and I’m highly pleased with the outcome of my policy and future plans. Jeremy is honest, genuine, professional, and always communicates in a timely and efficient manner—qualities that are invaluable when making life decisions.”
Navigating Infinite Banking with a True Professional
“I had the pleasure of working with Jeremy on my new IBC policy, and I can’t recommend him highly enough. From the beginning, his knowledge and expertise stood out. He took the time to help me fully understand the process and make the right decision for my financial goals.
Jeremy went above and beyond to ensure that everything was handled properly, making the entire experience seamless and stress-free. I couldn’t be more pleased with the outcome. Working with Jeremy was a fantastic experience.”
Your financial freedom begins today. Whether you're looking to break free from debt, build lasting wealth, or create a legacy that stands the test of time, Common Cents Solution is here to guide you every step of the way. Together, we'll transform how you think about money and unlock the freedom you deserve.