Infinite Banking

Discover how uniting your family under the Infinite Banking Concept
can amplify financial security and growth for all.

Discover how uniting your family under the Infinite Banking Concept can amplify financial security and growth for all.

There’s a better way.

Build a Family Money Pool

Become the Banker as it relates to your needs

And keep the money in your Family where it belongs

70% of families lose their wealth within three generations.

They allowed all the money to flow through their hands and onto the books of someone else’s bank … I say that again … someone else’s bank. This means all the Family’s financial energy is continually being transferred away.
This family has lost out on the opportunity to build long-term financial stability and legacy, not only for the current generation, but for every generation that comes after. That’s a problem.

Here’s your chance to build lasting wealth.

With unLocked Financial as your guide, you’ll learn to empower your family’s financial future by:
And ultimately we’re going to show you how to become the hero of your family’s financial story!

Here’s your chance to build lasting wealth.

With unLocked Financial as your guide, you’ll learn to empower your family’s financial future by:
And ultimately we’re going to show you how to become the hero of your family’s financial story!

How the Infinite Banking Concept Works

When a policyholder pays premiums into a mutual whole life insurance policy, a portion of that premium builds up as cash value over time. The speed in which it does this is of course largely up to you and how we decide to custom design it, and capitalize it for you and the future you envision.
This cash value grows tax-deferred and can be accessed through policy loans. These loans are collateralized by the death benefit, and the insurance company charges interest on the borrowed amount. However, the policyholder can repay the loan on their own terms. This gives you total control.

The Benefits of Infinite Banking

We work with you to create a tailored financial strategy that builds wealth and secures your long-term success.
Tax-Free Growth

Your cash value grows inside the policy without being taxed, meaning you won’t pay taxes on interest, dividends, or capital gains as long as the policy stays in force.

Tax-Free Loans

You can borrow against your cash value at any time without triggering a taxable event. Since it’s not considered income, there's no credit check or loan approval process, and you control the repayment.

Liquidity, Use, and Control

You can access the cash value whenever you need it—for business, real estate, emergencies, or anything else. The money is yours to use, and you decide how and when to pay it back

Guaranteed Growth + Dividends

Whole life policies grow at a guaranteed rate every year. On top of that, many mutual insurance companies pay non-guaranteed dividends, adding even more value over time.

Protection + Legacy

In addition to the living benefits, infinite banking provides a permanent death benefit for your loved ones. It’s a built-in legacy tool that ensures your wealth gets passed on tax-efficiently.

Creditor Protection (State Dependent)

In many states, the cash value of a life insurance policy is protected from lawsuits and creditors, giving you peace of mind and an extra layer of financial security.

The Benefits of Infinite Banking

We work with you to create a tailored financial strategy that builds wealth and secures your long-term success.
Tax Advantages

The cash value grows tax-deferred, and policy loans are not considered taxable income.

Risk Management

Minimize risks while maximizing growth by creating a financial strategy that protects your assets and future security.

Cash Value Growth

Policyholders can use the loans for any purpose, such as purchasing a car, funding education, or investing in a business.

Retirement Plans

Secure your future by building a retirement plan that grows your wealth and provides financial peace of mind.

Long-Term Stability

Achieve financial security with a personalized plan that ensures consistent growth and stability for the years ahead.

Legacy Planning

The death benefit of the whole life policy provides a legacy for beneficiaries, as it transfers from your estate to beneficiaries tax free

Considerations of IBC?

Navigating the Complexities of the Infinite Banking Concept

Some people will say that whole life insurance policies are expensive compared to term life insurance, but that’s a horses to zebras comparison.
They are very different animals…
Term insurance means term – a limited term of coverage, or renting your life insurance. If you outlive that term, coverage will expire and you will get nothing.
The insurance company knows the chance of you dying within a given period. They are masters of risk management using one tool call actuary (Science, math and life style) science, and know with little deviation, approaximately when you will pass.
Yes, such a policy is less expensive to start, but the likelihood of getting any money back is small, so it depends on how you define “expensive.”

Complexity So In Your Bank

Becoming Your Own Bank

Understanding and effectively implementing IBC requires an understanding of both life insurance and personal finance and the ability to save.
IBC is a very simple concept, but complete understanding of the mechanics of how it works and how to leverage it effectively may take some time. The sooner you start, the sooner these intricacies become clearer. And while you are learning, the passage of time compounds and grows the value of your new bank.
Risk of Over-Borrowing

It’s true that excessive borrowing against the policy without proper management can lead to policy lapse and loss of coverage, yet we will walk beside you every step of the way and guide you in how to avoid this.

Still Have Questions About Whether IBC is the Right Choice for You?

For more in-depth answers and insights into how the Infinite Banking Concept (IBC) can align with your financial goals, visit our FAQ page and explore how IBC can work for you.