Infinite Banking Concept: Take Control of Your Financial Future
Having complete control over your money changes absolutely everything, including where it's stored, how it grows, and when you can access your funds. It means no more asking permission from a bank when you want to make a major purchase or investment, or waiting weeks for loan approvals.
That's the power you are given through the Infinite Banking Concept, a strategy that puts you firmly in control of your financial life.
The Infinite Banking Concept offers a completely refreshing approach to building long-lasting wealth for generations. It’s an incredibly powerful strategy that has helped countless families take full control of their financial future.
What Is the Infinite Banking Concept?
The Infinite Banking Concept is a financial strategy that allows you to become your own banker by using a specially designed dividend-paying, family banking whole life insurance policy.
Instead of depending on traditional banks for financing, you create your own banking system that gives you control over your capital while providing guaranteed growth, liquidity, and tax advantages.
This strategy was developed by Nelson Nash and detailed in his book Becoming Your Own Banker. What makes it so revolutionary is that it lets you recapture the interest you'd normally pay to financial institutions and keep that money working for you and your family.
Who Can Benefit from Infinite Banking?
The Infinite Banking Concept works for a wide range of people, including:
- Business owners looking for financing without bank approval
- Families wanting to create lasting generational wealth
- Investors seeking steady, guaranteed growth without market risk
- Anyone who wants more control over their financial destiny
The Problem with Traditional Banking
Traditional banking works like this: You deposit your hard-earned money, and the bank pays you minimal interest (often less than a mere 1%). In turn, they lend that same money to others at 5%, 10%, or even 20% interest. It is an ancient business model that has generated incredible wealth for the banks, but not for you.
Think about it. Every time you finance a car, a home, or a business expense through traditional banks, you are enriching someone else's bottom line. You work hard for your money, but the banking system is designed to benefit financial institutions and no one else.
The Solution? Be Your Own Banker
With an infinite banking whole life policy, you can be your own bank. It is remarkably simple in premise and easy to execute. Here's how it works, broken down into five key steps:
- You fund a specially designed whole life insurance policy that’s built to maximize cash value—both now and for the decades ahead. (often referred to as an Infinite Banking whole life policy, though it's really the strategy—not the product—that makes it work.)
- Your money grows tax-deferred with guaranteed increases, plus dividends
- When you need capital, you simply borrow against your policy's cash value
- You pay yourself back according to your own schedule and terms
- Your money continues growing even while you're using it elsewhere
The beauty of this approach is that your infinite banking whole life policy continues to grow completely uninterrupted, even while you use your money for investments or purchases. This creates what we call velocity of money, where your capital is effectively working in two places simultaneously.
What You'll Get with Infinite Banking
When you implement the infinite banking strategy correctly, you'll experience:
Complete Control: Access your capital without credit checks or bank approval
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Guaranteed Growth: Your cash value grows by a guaranteed amount plus dividends
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Tax Advantages: Tax-deferred growth and potentially tax-free access
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Liquidity: Use your money when you need it without penalties
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Legacy Building: Create a financial system that benefits multiple generations
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Protection from Market Volatility: Your growth doesn't depend on stock market performance
Real People, Real Results
Wesley Smith, a digital marketing agency owner and real estate investor, turned to Infinite Banking to take full control of his financial future - after years of dealing with the limitations of banks, retirement accounts, and conventional thinking.
Here’s how he’s using whole life insurance today:
Wesley’s story proves that Infinite Banking isn’t just theory—it’s a system that grows with your income, your family, and your vision.
"They helped us restructure our business entities into a more advantageous tax structure where we saved taxes right off the bat...If you are looking for a partner to look at your business and personal finances holistically, I highly recommend The Money Advantage" - Susan Dison
"The Money Advantage has access to all the experts, including accountants and investment advisors...they have so much knowledge in so many fields. I worked with their team for about three years and saved a lot in taxes during that time." - Dan Arsenault
"The Money Advantage gives us access to resources that mega-wealthy families have in a family office, a whole team of people that are working together for the individual, which is something you will not find in any traditional financial service." - Sherry Berman
"We didn’t want to just give an inheritance… we wanted to raise stewards. And now we are.” - Darren and Buffy Ruthardt
"Our kids felt valued. They felt included. And they were excited to carry this forward to the next generation.” - Shannon Love
Turning Emergency into Opportunity
Another client came to us overwhelmed - her husband had two emergency surgeries, they’d lost income, sold their cattle due to drought, and taken on high-interest bank debt just to stay afloat.
Then she received a reimbursement check from their health insurance company and asked, "Wouldn’t it make more sense to fund our policy first and then pay off the debt?" Because she had capitalized her whole life policy early on, she now had options.
Together, we created a plan: she max-funded the policy with the check, took a policy loan at 5.7% to pay off the 9% bank loan, and set a plan to aggressively repay the loan - on her terms. Her cash value keeps growing uninterrupted, and the relief on her face said it all:
"I feel SOOO much better. This is very doable." For her, Infinite Banking isn’t just about money—it’s about control, flexibility, and peace of mind when life happens."
Book A Strategy Call
Do you want to arrange your finances so that everything works together to instantly improve your life, accelerate time and money independence, and leave the greatest legacy for generations to come? We can help you achieve that!
Book an Introductory Call with our team today to learn how the Infinite Banking Concept, alternative investments, and cash flow strategies can help you accomplish your goals better and faster.
That being said, if you want to see how being your own banker gives you safety, liquidity, and growth - while amplifying your investment strategy—check out our free guide to Privatized Banking to find out how you can guarantee the legacy you design is monetarily funded—so your values have the fuel to last.