You Keep Hearing About It. Here's What It Actually Is.
No jargon. No sales pitch. No pressure. Just a clear explanation of what the Infinite Banking Concept is, how it works, and why people are talking about it.
What You Need to Know First
Before diving into the details, here are the four things that matter most.
It's a Process, Not a Product
IBC is a strategy for how you manage money — specifically, how you finance the things you buy. The product (whole life insurance) is just the tool.
You Become Your Own Banker
Instead of borrowing from banks and paying them interest, you build a system that lets you borrow from yourself — and pay yourself back.
It Was Created by Nelson Nash
A forester from Alabama who spent decades studying how money actually works. His book "Becoming Your Own Banker" started the movement.
It's About Control
Not returns. Not beating the market. Control over your capital, your access to money, and the banking function that every person performs.
How It Works (Simply)
You Fund a Specially Designed Whole Life Policy
Not a regular policy — one engineered to maximize cash value growth through paid-up additions.
Your Cash Value Grows Guaranteed + Dividends
Every year, your money grows. No market risk. No volatility. Guaranteed growth plus dividends from a mutual company.
You Borrow Against It When You Need Capital
Need money for a car, a home, a business? Take a policy loan. No application. No credit check. Your money keeps growing.
You Pay Yourself Back — With Interest
The interest you'd normally pay a bank? It goes back into your system. Every cycle makes the next one more powerful.
The Beginner's Track
Start at the top. Each article builds on the last. Take your time.
Where Does Your Money Actually Go?
Follow a paycheck from deposit to death and discover how much of your money ends up in someone else's bank account.
The Silent Partner in Every Purchase
Even when you pay cash, you're still financing the purchase. Meet the invisible partner who profits from every dollar you spend.
Why Your Savings Account Is Working Against You
Your savings account is supposed to help you build wealth. Instead, it's quietly destroying your purchasing power. Here's how.
What Banks Actually Do With Your Money
Banks aren't safekeeping your money. They're using it to get rich. Here's exactly how the banking business really works.
The Question Nobody Asks About Retirement
Everyone talks about saving for retirement. Nobody talks about how you'll access money during retirement. Here's the question that changes everything.
What If You Were the Bank?
Everything you've learned points to one question: What if you could capture banking profits instead of paying them? Here's how.
Curiosity Is the First Step
You don't need to commit to anything. Just start reading. The concept speaks for itself.
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