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What is Infinite Banking?

Infinite Banking lets people use Indexed Universal Life (IUL) policies as a personal banking system. Cash value grows over time with market-linked interest and downside protection. People can access funds through policy loans for purchases, investments, or emergencies. Borrowing does not require bank approval, and the remaining cash value continues to grow. This approach puts control in your hands, creating a system where money works for both today and the future. It provides liquidity, flexibility, and long-term growth in a single strategy.

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How Infinite Banking Works

IUL-based Infinite Banking combines protection and growth. Premiums contribute to cash value that grows with a market index, often with a guaranteed minimum. Policyholders can borrow against this cash value without disrupting overall growth if loans are managed responsibly. The death benefit offers protection, while the cash value functions as a personal line of credit. People often use it to fund large expenses, pay down debt, or invest in opportunities, all while preserving the long-term growth potential of the account.

Benefit Your Family With Liquidity and Growth

One major benefit is liquidity. Cash value can be accessed without the delays or approvals required by banks. Another is growth. The account increases over time with tax advantages and market-linked potential. Using cash value to pay for expenses or reduce debt does not stop growth, allowing funds to work for the future. This strategy also provides stability, reducing reliance on high-interest debt and external loans. Over time, it helps people build wealth while keeping funds flexible and accessible.

Important Considerations of Infinite Banking

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 Infinite Banking is not a short-term solution. It requires consistent funding and an understanding of cash value growth, loan mechanics, and interest implications.

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Policies differ, so reviewing terms and projections is essential. People should consider how this strategy integrates with other financial goals, such as retirement, debt reduction, or estate planning.

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Approaching infinite banking with discipline and clarity ensures the system functions as intended and supports both present and future priorities.

FAQ

  • How does infinite banking differ from traditional banking?

    There are no approvals, credit checks, or restrictions on how funds are used.

  • How does borrowing with infinite banking affect growth?

    Loans do not stop the cash value from growing, though repayment preserves maximum potential.

  • What about taxes and infinite banking?

    Growth inside the policy is tax-advantaged, and loans are generally tax-free when managed properly.

  • How does infinite banking provide long-term security?

    IUL-based Infinite Banking builds both flexibility and stability. Cash value grows steadily while remaining accessible for immediate needs. Over time, the system creates a reliable source of funds for purchases, debt management, or investments. It also protects beneficiaries through the death benefit. This strategy allows people to manage money proactively, reducing dependence on banks and high-interest debt while building long-term wealth.

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