Infinite Banking

INTRO:
What if you could borrow from yourself instead of begging a bank?
What if your savings could grow, stay liquid, and still pass down tax-free to your kids?

Welcome to Infinite Banking — a financial strategy that flips the script on how wealth is built, accessed, and passed down. In this quick guide, I’ll break down what it is, why it works, and how it could change everything for your future.

Section 1: What Is Infinite Banking?

In plain terms:
It’s using a properly structured whole life insurance policy as your own private bank.

💡 That means you’re building cash value you can borrow against — for anything: real estate, investments, business, emergencies.

You're no longer at the mercy of banks or taxes. You’re in control.

Why People Use It:

• Guaranteed growth – Your money compounds no matter what the market does.
  
  

• Tax-free access – Borrow without triggering taxes or penalties.
  
  

• Liquidity – Access your funds when you need them, no middlemen.
  
  

• Legacy ready – The policy pays out tax-free to your family when you pass. That’s real generational planning.

Section 2: How It Works

1. You fund the policy — You pay premiums, and part of that builds guaranteed cash value.
   
   

2. That cash value grows — Year after year, without losing money.
   
   

3. You borrow from it — Need to invest, pay off debt, buy something big? You can borrow against the policy while it still grows.
   
   

4. You pay it back on your terms — No bank. No credit check. No nonsense.
   
   

And the kicker? If you structure it right, the cash keeps working, and the death benefit stays intact.

Section 3: Why It’s Tax-Smart

• Tax-deferred growth – No annual taxes as your value grows.
  
  

• Tax-free loans – Borrow your own money, tax-free.
  
  

• Tax-free legacy – The death benefit transfers to your heirs with zero tax.

Final Thought:

This isn’t for everyone.
But if you’re tired of playing defense with your money — tired of watching the market rob your retirement, or the IRS eat your gains — Infinite Banking is a strategy worth understanding.

And no, you don’t need to be rich to use it.
But it’s what the rich have been using quietly for decades.

Want to see how it works with real numbers?

Book a quick session with me or check out my keynote presentation and the copy of my book