What is the Infinite Banking Concept, and how is it used with Cash Value Life Insurance?
Gain unlimited FREE access to in-depth info on the Infinite Banking Concept including:
Free consultation and anytime access to one of our Infinite Banking Specialists, sample policies, answers to all your questions, analysis of your current policy(ies), videos, tips on getting started, and more!
Gain unlimited FREE access to in-depth info on the Infinite Banking Concept including:
Free consultation and anytime access to one of our Infinite Banking Specialists, sample policies, answers to all your questions, analysis of your current policy(ies), videos, tips on getting started, and more!
2 Things You Need for a Successful Policy
1. We always recommend going with one of the Major Mutual companies - They have been around for about 160 years and are the strongest with the highest credit ratings.
2. Policy design - We typically design policies that carry a minimum insurance premium and a maximum PUA Rider (cash dump-in).
Top Rated Companies:
Mass Mutual Dividend: 6.20%
(Established in 1851, Ranks No. 77 in Fortune 500)
Guardian Life Dividend: 5.65%
(Established in 1860, Ranks No. 226 in Fortune 500)
Common questions people ask:
- How does it work?
- Are there any minimums or maximums?
- What are the average returns?
- When can I borrow, and how much?
- Can it be completely tax free?
- If it’s so great, why doesn’t everyone do this?
- How can it be used to eliminate debt?
- Is this better than what I'm doing now?

We believe every policy should:
- Minimize insurance costs and expenses
- Maximize and accelerate cash growth
- Withstand the test of time with no regret

- Strongest cash values and growth
- Access to your cash value - anytime
- Policies designed by experts
- Performance that outperforms all

- Stick with the 4 major mutual companies
- Direct most money into the cash value
- Minimize premium and insurance expenses
- Prevent a Modified Endowment Contract (MEC)
- Avoid paying capital gains taxes altogether
- Between 80%-90% cash value in year 1, and break even between years 3 and 6
The Perfect Policy is No Accident
An “off-the-shelf” policy, or traditional whole life policy, is the least efficient method to build cash value. A traditional life insurance policy often yields $0 in cash value initially. Make sure it is carefully designed and optimized to deliver the absolute best cash performance. Correct policy design is an exact science that involves the proper blending of base premium, riders, and many other subtle factors that will all greatly affect your policy.
