Learn how our system can work for your specific situation.
All policies are custom designed for each client based on your specific situation and goals. Age, health, income, deposits amounts and more are used for consideration.
Compounding occurs as your cash value and dividends earn growth on themselves. Your money keeps working for you year after year, even while you borrow from your policy. This cycle magnifies wealth creation over the long term.
IBC Mathematical Example: Cash value grows from 0 to 12,000 in year one. In year two, growth is applied to the higher balance. Over ten years, your additional deposits and this uninterrupted compounding growth can bring a cash on cash valuation of approximately 200%.
Traditional Bank: Interest in a savings account compounds slowly and is often reduced by fees or inflation.
Traditional Bank Mathematical Example: Interest on savings grows slowly and is often offset by inflation, reducing real purchasing power. It does not compound unless every dollar stays in the account.
Why this matters for middle class families: Families benefit from compounding as it turns disciplined, regular contributions into substantial long-term growth.
Dividends are extra earnings paid by the insurance company when it performs well. These funds are used to purchase more paid up additional insurance and are added to your cash value, used to reduce premiums, or taken as cash. They provide an additional layer of growth beyond the guaranteed cash value.
IBC Mathematical Example: On a 180,000 cash value, a four percent dividend adds about 7,200 in one year. Next year’s growth is calculated on 187,200 instead of 180,000.
Traditional Bank: Banks rarely pay dividends, and any interest earned is minimal compared to policy growth.
Traditional Bank Mathematical Example: Banks do not pay dividends on deposits. Interest remains minimal and does not accelerate growth.
Why this matters for middle class families: Dividends accelerate your wealth-building potential, giving families extra financial firepower without extra contributions.
Your premium (deposit) is the money you contribute to your IBC policy*. Part of it pays for the insurance protection (the death benefit), while the rest builds your cash value. This cash value acts as your personal reserve fund, growing steadily and becoming the source for opportunities, emergencies, and major purchases. Premium deposits are the foundation of your infinite banking system, setting the stage for growth and future access. This is your 1st Pillar, you are truly paying yourself first with the dollars you run through your IBC policy.
*IBC stands for Infinite Banking Concept
This is used to refer to the system used in a High Early Cash Value Dividend Paying Whole Life Policy
IBC Mathematical Example: The household deposits 1,500 per month into their policy. 1,000 is available immediately within 30 days. 12,000 becomes accessible cash value by year’s end. This 12,000 is now a private reserve that compounds every year.
Traditional Bank: Depositing money into a checking or savings account simply sits there. Banks use your funds to make loans to others and pay you minimal interest.
Traditional Bank Mathematical Example: The same 1,500 per month sits in savings. After one year, 12,000 earns about 90 at a half percent interest rate.
Why this matters for middle class families: Every month, families save small amounts that earn very little. In IBC, that same discipline builds a powerful, growing financial base that is fully accessible when needed.
Cash value is the portion of your deposit that accumulates over time. It grows tax-advantaged and guaranteed by your insurance company. Unlike a traditional account, your cash value is designed to compound steadily, providing a safety net and an opportunity fund for both planned and unexpected expenses. Your cash value is the amount you are able to access via loan.
IBC Mathematical Example: After approximately ten years, the family has put 180,000 into the policy. This entire amount and more is accessible in the cash value and continues compounding inside the policy even while you are borrowing against it.
Traditional Bank: Savings accounts grow very slowly, and interest rates fluctuate. Inflation can quietly erode your purchasing power over time.
Traditional Bank Mathematical Example: A savings account with 180,000 can only be used once. Any withdrawal immediately reduces the balance and future growth and stops the uninterrupted compounding interest.
Why this matters for middle class families: Cash value gives families a reliable source of growth that is unaffected by market swings, offering security and flexibility during all financial seasons.
Instead of withdrawing your cash value, you borrow against it via loans from the general funds of the insurance company. Your cash value continues growing, and you get fast access to funds for opportunities, emergencies, or investments – without credit checks or approval delays.
IBC Mathematical Example: After 5 years, the household borrows 25,000 from the policy. Loan interest at six percent equals 1,500 per year. The full 60,000 cash value continues compounding uninterrupted.
Traditional Bank: Bank loans require applications, credit checks, and approval. Withdrawing from savings stops your money from growing until you redeposit it.
Traditional Bank Mathematical Example: A bank loan of 25,000 requires approval and fixed payments. Interest is paid to the bank and savings growth stops if funds are withdrawn.
Why this matters for middle class families: When unexpected expenses arise, policy loans provide immediate access to cash without disrupting growth or creating financial stress.
Borrowed funds can be used for anything that helps your family grow wealth or improve financial stability, such as investments, home repairs, debt payoff, or business ventures. The key is that your cash continues growing in the background while you leverage it. You being in control is following Pillar 2.
IBC Mathematical Example: The 25,000 policy loan funds an opportunity. The opportunity produces 8,000 of profit in twelve months. The profit is used to repay part of the policy loan while cash value continues growing.
Traditional Bank: When you take a loan from a bank, you pay interest, and the bank benefits from your opportunity, not you.
Traditional Bank Mathematical Example: Without access to capital, the household saves 500 per month. It takes four years to accumulate 25,000 and the opportunity is missed.
Why this matters for middle class families: IBC turns your money into a tool for creating opportunities rather than just paying for expenses, empowering families to make proactive financial choices.
Cashflow is the liquidity available from policy loans. Unlike taking money out of savings, your policy cash value continues to earn growth even as you use it. This creates a cycle of usable money that works for you instead of being idle.
IBC Mathematical Example: Monthly income of 6,000 supports 4,000 of expenses paid using policy loan funds. The remaining 2,000 is directed to loan repayment. Loan balance declines monthly while cash value compounds uninterrupted. As loans are repaid the cash value becomes accessible for borrowing against again.
Traditional Bank: Withdrawing from a bank account reduces your balance and potential growth.
Traditional Bank Mathematical Example: Expenses are paid from checking. Savings balances fluctuate and do not consistently grow.
Why this matters for middle class families: Families can access cash when needed without disrupting long-term growth, creating financial freedom and stability.
Repayment is flexible and simple interest, you decide how much and when to pay. Paying back the loan restores cash value and keeps the infinite banking loop functioning. Interest paid stays within your system, keeping your money working for you rather than enriching a bank.
IBC Mathematical Example: A 25,000 policy loan repaid at 500 per month is fully restored in 50 months. During repayment, the full cash value continues compounding the entire time. You can also choose to not pay back the loan, only paying the simple interest if you know your money is working harder in an opportunity offsetting the interest you pay to borrow. This is arbitrage.
Traditional Bank: Bank loans require fixed payments, penalties for missed payments, and interest that goes to the bank.
Traditional Bank Mathematical Example: Loan payments reduce debt but do not rebuild any personal asset.
Why this matters for middle class families: Flexible repayment keeps families in control, reduces stress, and ensures money keeps compounding while obligations are repaid.