Be Your Own Banker. Start Here.
Build a private cash-flow vault. Borrow against it. Keep compounding.
Product identification: this page discusses participating whole life insurance. It is insurance, not a bank account or investment.
We are not a bank: “The Infinite Banker” is an education brand. We do not accept deposits, and we do not offer FDIC-insured or NCUA-insured products.
Guaranteed vs non-guaranteed: dividends and other non-guaranteed elements are not guaranteed and may change. Any values shown that include non-guaranteed elements are for education only.
Who this is for
High earners and wealth builders who can fund a system now. This approach works best when you have meaningful cash flow, existing liquidity, and the ability to capitalize a policy with purpose.
What this is
A carrier-neutral education on policy-based banking for high earners. We design a smart Base premium, stack PUAs without crossing MEC, and use policy loans so money stays at work. No carrier names in public marketing. Those appear at illustration and signing.
How it works
Design: right-size Base, add PUAs, stay non-MEC.
Capitalize: fund monthly or annually. Cash value starts day one.
Use: borrow against cash value for purchases or opportunities.
Repay: pay yourself back on purpose. Repeat.
What you get with us
A 20-minute Discovery to map goals and cash flow.
A 45-minute Strategy session with a tailored illustration.
A loan-use and repayment playbook you can actually follow.
Annual reviews to keep the engine healthy.
Ready to move forward?
If you’re a high earner with existing liquidity and the capacity to fund meaningfully each month, complete the intake form and book your Discovery call. We’ll confirm fit before moving to Strategy.
Invitation to inquire... Renewal, cancellation, termination... Licensing scope... Loans reduce cash value and death benefit while outstanding... Comparisons are educational... “Infinite Banking Concept®” is a registered trademark... The Infinite Banker is independent.