Finance Your Next Car the Smart Way
Own the banking function on a purchase you were going to make anyway.
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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- 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.
The Problem with Traditional Car Financing
When you finance a car through a dealer or bank, you’re paying interest to an institution that will never give you that money back. A $60,000 vehicle financed at 6% over five years costs you roughly $69,600. That extra $9,600 goes straight to the lender’s profit.
Even if you pay cash, you lose the opportunity cost. That $60,000 could have been earning compound interest somewhere else.
How Policy Loans Change the Math
With a properly capitalized whole life policy, you borrow against your cash value instead of withdrawing it. Your policy continues earning dividends on the full amount, even while you’re using the loan for your car purchase.
Here’s a simple example:
You have $75,000 in cash value
You take a $60,000 policy loan at 5% for your car
Your full $75,000 continues compounding
You structure a repayment plan over five years
The key difference: you’re recapturing the interest. Instead of paying $9,600 to a bank that disappears forever, you’re paying interest to the insurance carrier (which contributes to dividend performance) and repaying principal back to your own system.
The Repayment Strategy
We help clients structure repayments that make sense. Some options:
Matched payments: Pay yourself the same amount you would have paid a dealer. Five years, done.
Accelerated payoff: Aggressive repayment to free up capacity for the next use.
Extended timeline: Longer repayment with lower payments, especially if you have other opportunities that deserve capital.
The flexibility is yours. No credit check. No re-approval. No prepayment penalties.
Steps to Execute
Confirm your cash value is sufficient for the purchase plus a cushion
Request the loan directly from the carrier (typically 3 to 7 days)
Buy the car with cash or a carrier check
Structure repayment back to the policy on your timeline
Repeat for your next vehicle, equipment, or opportunity
Why This Works for High Earners
If you’re already buying cars with cash or financing them, you’re spending the money regardless. This method redirects the banking profit back to your system. Over a lifetime of car purchases, the recaptured interest compounds into serious wealth.
This system works best for high earners with existing liquidity and the capacity to fund meaningfully each month. If that’s you, complete intake and book your Discovery call.
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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.
