Policy Mechanics
IBC uses dividend-paying whole life insurance as its vehicle. But this isn't about buying insurance โ it's about understanding the mechanics that make it the ideal tool for becoming your own banker.
"Don't be afraid of the numbers. The mechanics are simple once you see them clearly." โ Nelson Nash
Policy Loans
The mechanism that makes IBC possible โ borrowing against your policy while it continues to grow.
Cash Value & Growth
How your policy accumulates value through guaranteed growth and dividend participation.
Policy Design
Why whole life? Understanding the specific characteristics that make it the ideal IBC vehicle.
Why Whole Life?
Why IBC specifically requires dividend-paying whole life, not other types of insurance.
Whole Life vs. Term
Understanding the fundamental differences and why term can't serve as a banking vehicle.
How Much Does IBC Cost?
Understanding premiums, expenses, and the capitalization mindset.
Key Mechanics at a Glance
Guaranteed Growth
Cash value increases every year, regardless of markets
Dividend Participation
Share in the mutual company's profits
Tax-Free Access
Policy loans don't trigger taxable events
Uninterrupted Compounding
Cash value grows even when you borrow against it
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