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Infinite Banking is a time trusted strategy that has been used for over 200 years. Business owners and individuals can leverage the value of a dividend-paying permanent life insurance policy to become their own bank, eliminating the traditional banking system from the equation. The cash value in your policy is a liquid asset, which is readily available to fund your business initiatives.
Business Growth | Capital Investment | Operating Costs | Tax Benefits
Infinite Banking is a simple idea, which allows you to take control of your finances.
Borrow from yourself – Pay yourself back – While earning compound interest
Albert Einstein described compound interest as the “eighth wonder of the world” saying “he who understands it, earns it; he who doesn’t, pays it”.
Our certified practitioners are ready to collaborate with you to customize your plan and show you how this powerful strategy can work for your business.
Business schools across the country have taught the strategy of how to use the cash value of whole life insurance, the platform for infinite banking.
Sound too good to be true? Well let’s see…do you consider these businesses successful?
Walt Disney – Magic Kingdom
The Disneyland Source Book quotes Walt as saying, “I could never convince the financiers that Disneyland was feasible because dreams offer too little collateral.”
“Unfettered [Walt] borrowed against his life insurance and sold his second house just so he could develop his idea to the point where he could show others what he had in mind. Studio employees worked on the project paid from Walt Disney’s personal funds.”
Because Walt Disney had this guaranteed access to liquidity, he was able to eventually capitalize on his dream and create a multinational empire for generations to enjoy.
Ray Kroc – McDonald’s
Determined to make his hamburger shack a national household name. It’s documented that Ray Kroc borrowed against two different cash value life insurance policies to pay his key employees along the way. He also funded McDonald’s hallmark branding campaign using the precious liquidity provided by his whole life insurance policy. Ronald McDonald was born because Ray Kroc was able to acquire funds at any time for any reason from his own private family bank.
James Cash Penney – JCPenney’s
The contractual growth and guaranteed liquidity inherent in a whole life insurance policy provided the much-needed cash infusion to continue purchasing inventory and paying salaries to keep the doors open long enough to recover from the Great Depression market crash.
Doris Christopher – Pampered Chef
To start the business, Christopher borrowed $3,000 against the cash value of her whole life insurance policy. Pampered Chef exploded across the U.S. In 2002, Berkshire Hathaway purchased the company from Doris for a cool $900 million.
These exceptional entrepreneurs, along with many others, believed their vision was powerful enough to take a risk and bet on themselves. They did this by leveraging infinite banking solutions which have been time tested for over 200 years.
You have worked your entire life to save and grow your nest egg so your retirement will be secure. We specialize in creating tax-beneficial lifetime income streams that will protect against market volatility.
Investing in real estate is a great option for your retirement plan. If you are looking for new investment opportunities or negotiating a potential deal, see how the infinite banking strategy can help you be successful.
Business owners are always interested in financial vehicles that can help make their business more profitable. If you have 1 employee, or a 100 employees we can help! Would you like to have additional tax incentives, tax breaks, and increase cash flow. Ask us how!
No, we have a dialogue with you to gain an understanding of your goals, objectives, and current financial situation. Utilizing that information, we develop your customized plan to review with the business owner and their CPA.
A participating whole life insurance policy through a mutual insurance company is the base product. Term life insurance is layer into the product decreasing the cost of the insurance allowing the policy to maximize cash growth. Cash value grows using the compound interest phenomenon while you have access to use the cash value to grow your business or optimize operational costs. Contact us to learn more about this 200 year old strategy used by Walt Disney, Ray Crock, and many others to build legacies lasting for generations.
It is recommended to pay policy loans back, however a policyowner has many options. If the loan is not paid back, interest on the loan will continue to accumulate which can have an impact on death benefit paid to beneficiaries upon death. Speak to your agent to ensure you understand how different decisions will impact your policy performance.