Infinite Banking with Whole Life
Be Your Own Bank — Build Liquidity, Safety, and Control
Design a high‑cash‑value whole life policy that compounds tax‑advantaged cash value, pays dividends, and lets you borrow against yourself for opportunities — without interrupting growth.
Guaranteed
cash value
Dividends (not guaranteed)
Policy loans on your terms
Transparent Designs
We illustrate base + PUA riders to maximize early cash value while keeping long‑term flexibility.
Carrier Options
Access multiple A‑rated mutual carriers to align dividends, loans, and riders with your goals.
Fast Setup
Most plans underwritten quickly with e‑apps and accelerated underwriting where eligible.
Cash Value Growth: What to Expect
Every plan is custom, but well‑designed Infinite Banking policies typically show high early liquidity with steady long‑term compounding. The blend of base + PUAs and the goal to avoid MEC status are key to balancing growth and flexibility.
Guaranteed cash value increases every year.
Dividends may add to growth (not guaranteed).
Policy loans create liquidity without selling assets.
Death benefit protects your family and legacy.
Sample Funding (Illustrative)
| Policy Year | Premium | Est. Cash Value | Loan Available |
|---|---|---|---|
| 1 | $15,000 | $11,200 | $10,400 |
| 2 | $15,000 | $24,900 | $23,400 |
| 3 | $15,000 | $39,700 | $37,700 |
| 4 | $15,000 | $55,900 | $53,100 |
| 5 | $15,000 | $73,800 | $70,100 |
Illustrative only. Assumes heavy PUAs and non-direct recognition loans.
Who Uses Infinite Banking?
Families
Fund emergencies, vehicles, education, and protect income — all while compounding.
Business Owners
Finance equipment, marketing, inventory, and capture interest you used to send to banks.
Real Estate Investors
Tap policy loans for down payments and reserves without interrupting policy growth.
Why Whole Life for Banking vs. Other Options?
| IBC Whole Life | HELOC | Brokerage | |
|---|---|---|---|
| Access to Liquidity | Policy loans in days | Bank approval required | Sell assets; taxes/market risk |
| Growth Continues While Borrowed | Yes (loan interest applies) | No | No (sold shares stop compounding) |
| Protection | Permanent death benefit | None | None |
| Tax Advantages | Tax-advantaged if non-MEC | None | Capital gains/dividends taxable |
| Rate/Payment Control | Flexible repayment | Bank-set, variable | N/A |
Dividends are not guaranteed. Loans reduce cash value and death benefit if not repaid.
Get Your Custom IBC Plan
Answer a few questions and we’ll design an optimized policy for your goals (cash value first, MEC‑safe, flexible funding).
Funding target (monthly or annual)
Time horizon (5–20+ years)
Loan usage (business, real estate, vehicles, education)
Health class basics (for underwriting)
Key Design Levers
Base vs. PUAs
Base premium builds long‑term guarantees; PUAs turbo‑charge early cash value. We blend both to your targets and add flexibility via catch‑up PUAs when available.
Avoiding MEC
We structure funding to keep your policy tax‑advantaged under the 7‑pay/MEC tests while still maximizing cash value.
Loan Mechanics
Choose non‑direct or direct recognition loan options based on your borrowing style. We’ll explain pros/cons for your use case.
Popular Riders
PUA Rider (Paid‑Up Additions)
Term/Blend Rider (lower cost, higher PUAs)
Chronic/Terminal Illness Accelerated Benefits
Waiver of Premium (disability)
Guaranteed Insurability Options
Client Stories
"We funded $800/mo for 5 years. By year 3 we used a policy loan for a delivery van and never stopped compounding." — Elena G., San Antonio, TX
“My policy helped us cover a roof replacement fast. We paid ourselves back over 18 months.” — Michael R., Las Vegas, NV
“I love having a pool of capital I control. No bank applications, no delays.” — Sofia L., Houston, TX
Frequently Asked Questions
Q: Is Infinite Banking only for High Income Earners?
A: No. We can start with modest funding and scale as income grows. The key is consistency and design efficiency.
Q: Are Dividends Guaranteed?
A: No, dividends are not guaranteed. Your policy has a schedule of guaranteed cash values plus potential dividends depending on carrier performance.
Q: What happens if I borrow from the policy?
A: The carrier lends you money using your cash value as collateral. Your entire cash value continues to earn according to the policy; you pay loan interest and can repay on your timeline.
Q: Will this become a MEC (Modified Endowment Contract)?
A: Our designs target non‑MEC funding limits. We’ll show exact MEC boundaries in your illustration and keep you below them unless you explicitly want MEC treatment.
Q: Which Carriers Do You Use?
A: We work with multiple A‑rated mutual/stock carriers and will match you based on underwriting class, loan features, and dividend history.
Free Guide: The IBC Starter Kit
Get a 12‑page walkthrough of Infinite Banking, policy design examples, and a checklist to prep your application.
Ready to See Your Numbers?
We’ll prepare carrier‑specific illustrations showing cash value projections, MEC limits, and loan scenarios.
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