Compliance and Disclosures

Product Identification

The content on this website discusses participating whole life insurance, which is an insurance product, not a bank account, investment, or security. Whole life insurance provides death benefit protection and accumulates cash value over time.

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. Policy cash values are backed by the claims-paying ability of the issuing insurance carrier, not by federal deposit insurance.

Guaranteed vs Non-Guaranteed Elements

Whole life insurance policies contain both guaranteed and non-guaranteed elements.

Guaranteed elements include minimum cash value, minimum death benefit, and maximum premium cost. These are contractual and cannot be reduced by the insurance carrier.

Non-guaranteed elements include dividends, which are declared annually by the carrier’s board of directors. Dividends are not guaranteed and may increase, decrease, or be eliminated based on the carrier’s financial performance. Any projected values shown that include dividends are for educational and illustrative purposes only and are not guarantees of future performance.

Policy Loans

Policy loans allow you to borrow against your cash value. Outstanding loans and accrued interest reduce both the available cash value and the death benefit. If a policy lapses or is surrendered with an outstanding loan, the loan balance may be treated as taxable income to the extent it exceeds your basis in the policy.

Policy loans are not required to be repaid during the insured’s lifetime, but unpaid loans will reduce the death benefit paid to beneficiaries.

Renewal, Cancellation, and Termination

Whole life insurance policies require ongoing premium payments. Failure to pay premiums may result in policy lapse or termination. Surrendering a policy may result in surrender charges and tax consequences. Consult your tax advisor before surrendering a policy or taking a loan.

Licensing Scope

We are licensed insurance professionals. We do not provide legal, tax, accounting, or investment advice. The information provided on this website is educational and should not be construed as personalized advice. You should consult your attorney, CPA, and financial advisor before implementing any strategy discussed here.

State Licensing

We are licensed to sell insurance in specific states. If you reside in a state where we are not licensed, we may refer you to a licensed professional in your state or assist you in obtaining coverage through a carrier that operates in your jurisdiction.

Comparisons Are Educational

Any comparisons made on this website between whole life insurance and other financial products (such as brokerage accounts, HELOCs, bonds, or annuities) are for educational purposes only and are not guarantees of performance. Each individual’s financial situation is unique, and the suitability of any product depends on personal circumstances.

“Infinite Banking Concept®” Trademark

“Infinite Banking Concept®” is a registered trademark of Infinite Banking Concepts, LLC. We are not affiliated with, endorsed by, or sponsored by Infinite Banking Concepts, LLC. Our use of the term “infinite banking” is descriptive and educational, referring to the general strategy of using whole life insurance for personal banking functions.

Independence

The Infinite Banker is an independent insurance education platform. We are not owned by, affiliated with, or employed by any insurance carrier. We evaluate multiple carriers and recommend products based on client needs, not carrier incentives.

Privacy

We respect your privacy. Any information you provide through intake forms, discovery calls, or strategy sessions is confidential and will not be shared with third parties except as required to obtain insurance coverage or as required by law.

Invitation to Inquire

The information provided on this website is an invitation to inquire about our services and is not an offer to sell insurance or securities. No client relationship is established until you complete our intake process, we confirm mutual fit, and you formally engage us for illustration and policy design services.

Questions?

If you have questions about any of these disclosures, contact us directly. We’re happy to clarify.