Welcome to the Infinite Banking Concept

Welcome to the Infinite Banking Concept

Enjoy a secure retirement without worrying about market fluctuations


Beware of Untrained Advisors

You may be tempted to discuss this with a financial advisor you know or have worked with and ask if they can help you implement the Infinite Banking Concept. If you talk to a financial advisor who has not thoroughly investigated this concept, or who is not familiar with the proper way to structure the policy, our experience shows that the they will likely raise the followinc concerns:


1. “You should never buy that kind of life insurance.”
Many advisors received little or no training on dividend paying whole life policies and don’t understand the riders used to turbo charge the growth of the policy. Adding these riders can give a policy owner up to forty times more cash value at the end of the first year than they would have received with a traditionally designed whole life policy.

2. “It’s a good idea, but you should use a different type of policy, like a universal life, equity-indexed universal life or a variable life policy.”
No other life insurance product comes with as many guarantees as dividend paying whole life, and it is the only one recommended for the Infinite Banking Concept. Also, some advisors will try to steer you toward a different product because they are “captive” agents whose contracts restrict them to using only their products offered by their company.

3. “It sounds too good to be true.”

The Infinite Banking Concept is based on an asset class (whole life) that has increased in value every single year for more than 165 years – even when stocks, real estate and other investments tumble. Famous people like Walt Disney and J.C. Penney have also used this time-tested method, as have hundreds of thousands of people of all ages and income levels.

The Infinite Banking Concept is not a magic pill and you won’t see drastic results overnight. However, if you have a little patience and discipline, it can soon turn your financial life around and give you peace of mind for a lifetime.

4. “Oh, I can help you do that.”
As we noted above, most advisors “don’t know what they don’t know,” so buyer beware. If your advisor tells you he already understands all the important details necessary to help you implement and benefit from the Infinite Banking Concept, you may want to ask him, “If you can do this for me, why haven’t you already?”

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