1. What is the Infinite Banking Concept (IBC)?

IBC is a time-tested financial process that uses a high cash value, dividend-paying whole life insurance policy to create financial security, eliminate debt, and build lasting wealth. It empowers you to act as your own banker, putting you in control of your financial future.

2. Isn’t this just life insurance?

Not at all. IBC is much more than a life insurance policy—it’s a system. The policy is the foundation, but the process is what enables you to grow your wealth, recapture interest, and take control of your money.

Critics may dismiss it, but consider these facts:

  • Guaranteed, uninterrupted compound growth.
  • Tax-free access to growth and dividends.
  • Cash value that often exceeds the premiums you pay.
  • Complete control over how and when you use your funds.
  • Protection backed by the insurer’s reserves—a Tier 1 Capital Asset.

This strategy has been used successfully for over 200 years by wealthy families and corporations to protect and grow their wealth. 

3. How does IBC work?

IBC uses a specially designed whole life insurance policy to create a personal banking system. It enables you to:

  • Earn uninterrupted compound interest, regardless of market conditions.
  • Borrow against your cash value while your money continues to grow.
  • Access funds tax-free for any purpose, from eliminating debt to funding investments.
4. Is IBC only for wealthy individuals?

No. IBC is scalable and adaptable to suit individuals, families, and businesses at all income levels. Whether you’re just starting out or looking to build on existing wealth, IBC is designed to work for you.

5. What are the risks of using IBC?

The Infinite Banking Concept (IBC) isn’t an investment—it’s a process of reclaiming control over your cash flow by utilizing a specially designed whole life insurance policy. IBC avoids the volatility and risks of market-driven assets, but the most commonly mentioned critique is the early capitalization period during the first 2-4 years of the policy.

This period serves as the foundation for your personal banking system, ensuring long-term liquidity and financial efficiency. With a properly structured policy tailored to your financial goals, you can access and utilize your cash value within the first 30 days. This allows you to start recapturing interest that would otherwise be paid to lenders or financial institutions, keeping your money within your own system.

Why this is a benefit, not a disadvantage:

  • Tailored to Your Needs: IBC policies are custom-designed to align with your financial objectives, ensuring that capitalization is optimized for your cash flow and goals. This isn’t a one-size-fits-all strategy.
  • Proven Stability: The mutual insurance companies we work with have been in business for over a century, consistently providing financial security through economic downturns, recessions, and times of uncertainty. These companies are known for financial strength, reliability, and uninterrupted dividend payments.
  • Trusted by Banks and Corporations: Large banks use this exact strategy through Bank-Owned Life Insurance (BOLI), securing billions of dollars in similar policies to manage liquidity and long-term growth. If the banks trust this system to safeguard their capital, it underscores the reliability of IBC.
  • Predictable, Guaranteed Growth: Your policy’s cash value grows steadily and tax-deferred, unaffected by market volatility. With each dollar circulating through your policy, you strengthen your financial position while maintaining liquidity.

IBC isn’t about risk—it’s about building a financial foundation that you own and control. The sooner you start, the faster you create a system that compounds in your favor. Looking back years from now, the decision to establish this foundation will likely stand as one of the most rewarding financial choices you’ve made.

6. How does IBC compare to traditional saving or investing?

IBC bridges the gap between saving and investing. Unlike traditional methods:

  • Your principal is protected, so you never lose money.
  • Your cash value grows uninterrupted, regardless of market fluctuations.
  • You retain complete control of your money, using it for any purpose while it continues to grow.
7. Can I use IBC to eliminate debt or fund investments?

Absolutely. IBC is a multifunctional system that allows you to:

  • Eliminate debt by recapturing interest that would otherwise go to banks.
  • Fund investments or other opportunities while your money continues to grow.
8. How much should I contribute to my IBC policy?

Your contribution should be meaningful and manageable—designed to fit your financial goals. This isn’t a payment; it’s a strategy to fund an asset that bridges saving and investing. Our advisors guide you in determining the best approach, ensuring it aligns with your unique needs.

9. What if I borrow from my policy and don’t repay?

Any unpaid loan balance is deducted from your policy’s death benefit, ensuring the policy remains functional while still protecting your beneficiaries.

10. How do I get started with IBC?

It's simple:

  • Watch the video presentation to learn the fundamentals.
  • Read "Becoming Your Own Banker" by Nelson Nash to understand the strategy.
  • Schedule a free consultation to create a personalized plan tailored to your goals.