The Concept of Infinite Banking

“The very first principle that must be understood is that you finance everything you buy — you either pay interest to someone else or you give up the interest you could have earned otherwise.”

Infinite banking is a financial strategy where an individual uses a hybrid investment vehicle/life insurance policy as their own personal bank. This proven strategy is a methodology of redeploying your cash flow and liquidity to create continuous compounding from your funds—even when they’re borrowed. Anything you want, including major expenses, family emergencies, automobiles, and strategic investments, can be funded by borrowing against your infinite banking system, which is designed with specific riders to enhance cash value. This method can provide higher returns compared to traditional savings accounts and give you more control over your financial future, along with greater flexibility in borrowing and lending money. Additionally, when structured correctly, the policy can help you recapture wealth that would otherwise be lost to wealth-eroding factors such as interest on debt and depreciation of assets like automobiles. In essence, infinite banking transforms the way you save, spend, and build wealth by putting you—not a traditional financial institution—in charge of your capital for life.

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Using Insurance as a Source of Liquidity

Over the course of their lives, most people pay oodles of interest to creditors on all manner of loans, from mortgages to cars to credit cards to college loans. This lost interest — and the interest on that interest — represents a tremendous drain on individual wealth.

If, instead, you aggressively saved money within a certain with certain insurance policies, you could fund these purchases yourself from that policy — and pay the policy, yourself back, rather than the bank. This is the functional equivalent of paying yourself for the loan, with interest. Thus, you are retaining the interest within the cash value of your own financial world, rather than paying off the bank. Rather than enriching the bank, your payments go back to enriching yourself.

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The Concept of Infinite Banking

Using Insurance as a Source of Liquidity

BANK ON YOURSELF

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