The Millionaire’s Guide to Infinite Banking: How to Become Your Own Bank

Can You Build Wealth Using Life Insurance? Yes—Here’s How.

Wealthy families and smart investors don’t rely on banks—they become their own bank using a concept called Infinite Banking.

Infinite Banking is a wealth-building strategy that lets you borrow from yourself, instead of paying high-interest rates to banks or lenders. Using a properly structured Whole Life insurance policy, you can:
✔ Fund investments & businesses with tax-free loans
✔ Create a personal banking system where money works for you
✔ Build generational wealth while keeping your cash growing

This guide breaks down how Infinite Banking works and how you can use it to take control of your financial future.

📌 1️⃣ What Is Infinite Banking? (Quick Answer)

Infinite Banking is a strategy that uses Whole Life insurance to create a personal banking system. Instead of borrowing from banks and paying interest, you borrow against your life insurance cash value—keeping your money working for you.

💡 How It Works in Simple Terms:

• You fund a properly structured Whole Life policy with cash value growth.
• You borrow against your own money (instead of using banks).
• You invest, grow wealth, and pay yourself back, keeping interest in your pocket.

💡 Example: A business owner borrows $50,000 from their Whole Life policy to fund a startup. The cash value continues growing, and instead of paying a bank, they repay themselves with interest—building wealth instead of debt.

📌 2️⃣ How Infinite Banking Works: Step-by-Step Guide

✔ Step 1: Open a Properly Structured Whole Life Insurance Policy

• Not all Whole Life policies work for Infinite Banking.
• You need high early cash value growth (low commissions, high dividends).
• Your policy must include a Paid-Up Additions (PUA) rider to maximize early cash value.
• Work with an agent who understands Infinite Banking to structure it properly.

✔ Step 2: Build Cash Value by Funding Your Policy

• The more premiums you pay upfront, the faster your cash value grows.
• Dividends reinvested into the policy help compound growth.
• The goal is to build a large tax-free pool of money you can borrow from.

✔ Step 3: Borrow Against Cash Value for Investments

• You can take a policy loan against your cash value at a low interest rate (typically 4-6%).
• No credit check, no approval process—because you’re borrowing from yourself.
• Your cash value continues growing, even while the money is loaned out.

✔ Step 4: Repay Yourself & Repeat the Cycle

• As you repay the loan, your available borrowing amount increases.
• You can continue borrowing for business, real estate, or other wealth-building investments.

💡 Example: Instead of getting a mortgage loan, a real estate investor borrows from their life insurance policy, buys a rental property, and repays the policy with rental income—keeping all profits tax-free.

📌 3️⃣ Key Benefits of Infinite Banking

✅ Use Life Insurance as a Self-Financing Tool

• Never rely on banks again—borrow money on your own terms.

✅ Avoid Bank Loans & Credit Checks

• No application process, no credit score impact, no lender approval needed.

✅ Grow Money While Still Using It

• Your cash value compounds even while being borrowed against.

✅ Create Generational Wealth Without Taxes

• Life insurance death benefits pass to heirs tax-free, and cash value can be used without IRS penalties.

💡 Example: A retiree uses their Infinite Banking policy to withdraw tax-free income instead of pulling from a 401(k) and paying taxes.

📌 4️⃣ Who Should Use Infinite Banking?

🔹 Entrepreneurs & Business Owners → Need capital without banks? Use your policy to fund business growth.
🔹 Real Estate Investors → Want to buy properties with tax-free loans and keep cash growing?
🔹 High-Income Earners → Want a tax-free wealth-building strategy beyond 401(k)s & IRAs?
🔹 Anyone Looking for Financial Freedom → Want to control your money instead of relying on banks?

💡 Infinite Banking isn’t just for the ultra-rich. Anyone can start small and scale up by consistently funding their policy.

📌 5️⃣ Common Myths About Infinite Banking

🚫 Myth #1: “This sounds like a scam.”
✅ Truth: Banks already use this strategy—they hold billions in Whole Life insurance policies as Tier 1 capital.

🚫 Myth #2: “I need to be rich to do this.”
✅ Truth: Even a $100/month policy can grow into a six-figure asset over time.

🚫 Myth #3: “Borrowing from life insurance is risky.”
✅ Truth: Loans never have to be repaid in full—unpaid balances are deducted from the tax-free death benefit.

🚫 Myth #4: “Infinite Banking is a get-rich-quick scheme.”
✅ Truth: Infinite Banking is a long-term strategy—you must consistently fund the policy to maximize benefits.

🔥 Final Thoughts: Become Your Own Bank & Take Control of Your Wealth

Banks and corporations use Whole Life insurance to protect and grow their money—now you can do the same.

💰 Why Use Infinite Banking?

✅ Instant access to tax-free capital
✅ No lender approval or credit score requirements
✅ Your money grows while you use it
✅ Powerful tool for generational wealth-building

💡 Want to start building wealth with Infinite Banking? Let’s talk.

🔗 Schedule a Free Strategy Session