Our service

A unique strategy to create personal wealth and fund your future.

How does Infinite Banking work ?

What is Infinite Banking (IBC) ?

Infinite Banking Concept (IBC) is system whereby one establishes his or her own bank and become their own banker by growing their cash value inside a properly designed whole life insurance policy while barrowing against it.

Benefits of Infinite Banking

.

Grow Cash Value

One can borrow against the cash value at any time once it builds up. Unlike traditional loans, one borrows from his or her own policy, not a bank, and the term of repayment is set by you.

The loan can be repaid at the time you choose and if you choose not to repay it the outstanding balance (including interest) will simply be deducted from your policy’s death benefit when you pass.

Tax Advantage

In addition, loans from the policy are not taxable as long as the policy remains in force. This creates a tax-efficient way to access your money

A portion of the premium paid goes into the cash value of your policy. This cash value grows over time, typically on a tax-deferred basis, and compounds interest.

Using Cash as Collateral

Loan Repayment

However, paying the loan back will help you continue growing your cash value and avoid reducing your death benefit

There is no tax charged on the growth of the cash value. Taxes are charged only if it is withdrawn.

Allowing an individual to fund their future liabilities.

Flexibility, Liquidity, and Control

Future asset purchases (rental properties, vehicle purchases, child's education etc)