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
Income $250k+. Net worth $1M+. Decision 0 to 30 days. Funding comfort $1k to $10k per month.
Choose a path: liquidity $50k+ today, or staged funding with an optional initial $0 to $50k and monthly $1k to $10k for at least 12 months, tested each year to stay non-MEC.
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 explore infinite banking for your situation?
We work with clients earning $250,000+ annually, holding $50,000+ in liquid assets, with capacity to fund $1,000 to $10,000+ monthly.
If that describes your position and you’re prepared to make a decision within 30 days, reach out at jib@theinfinitebanker.com to schedule a Discovery call.
Invitation to inquire: The information provided is an invitation to inquire about our services and is not an offer to sell insurance or securities. Renewal, cancellation, termination: Policies require ongoing premium payments. Non-payment may result in lapse or termination. Surrendering a policy may result in fees and tax consequences. Licensing scope: We are licensed insurance professionals. We do not provide legal, tax, or investment advice. Consult your advisors. Loans reduce cash value and death benefit: Outstanding loans and interest reduce available cash value and death benefit. Loans are not required to be repaid during the insured’s lifetime, but unpaid loans will reduce death benefit. Comparisons are educational: Any comparisons to other financial products are for educational purposes only and are not guarantees of performance. “Infinite Banking Concept®” is a registered trademark of Infinite Banking Concepts, LLC. The Infinite Banker is independent: We are not affiliated with or endorsed by Infinite Banking Concepts, LLC.