Frequently Asked Questions

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Infinite banking refers to a process by which an individual becomes his or her own banker. The infinite banking concept was created by Nelson Nash. In his book, “Becoming Your Own Banker,” Nash talks about the use of whole life insurance policies that distribute dividends and how owning such policies allows individuals to dictate the cash flow in their lives by borrowing against/from themselves instead of depending on banks or lenders for loans.

A traditional whole life policy, or “off-the-shelf” policy,  is not designed to maximize value.  A traditional life insurance policy often yields $0 in cash value initially and is not  optimized to deliver the absolute best cash performance.  Developing the correct policy design involves expertise in the proper blending of base premium,  various riders, and many other subtle factors that will all greatly affect your growth and tax obligations.

 Whole life insurance provides numerous tax benefits they will receive.

1- Individuals have access to their money without having to worry about paying taxes for it.

2- Whole life insurance premiums are tax-deductible, meaning they can be deducted from their taxable income. 

3- Premiums which are tax deductible also ensure that their growth over time will not be directly taxed. 

4- Assets accumulate faster due to no drag from taxes.