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The Infinite Banking Concept

Updated: Oct 26

Unlocking Financial Freedom with Infinite Banking using IUL's

A stately stone bank building

Contact Aaron at 844.711.1130 ext. 1 to get started with your IUL account today.

In today's unpredictable economic climate, it's crucial to explore innovative ways to take control of our finances and secure our future. One such strategy that has gained immense popularity is Infinite Banking using Indexed Universal Life (IUL) insurance policies. This revolutionary concept empowers individuals to become their own bankers, providing financial flexibility, growth potential, and peace of mind. In this blog post, we will delve into the world of Infinite Banking with IUL's and explore how this strategy can shape your financial future.

Understanding Infinite Banking:

Infinite Banking is a concept that centers around using a specially designed IUL insurance policy as a powerful wealth-building and financial management tool. Unlike traditional financial institutions, which profit from your interest payments, Infinite Banking allows you to become your own source of financing. By leveraging the cash value of an IUL policy, you can access tax-advantaged funds to finance various needs, including personal investments, business ventures, real estate purchases, education expenses, and more.

The Power of IUL Policies:

Indexed Universal Life (IUL) insurance policies form the backbone of Infinite Banking. These policies combine the advantages of traditional universal life insurance with the growth potential of market indexes, such as the S&P 500. IUL policies provide a death benefit to protect your loved ones, while also accumulating cash value that can be accessed during your lifetime.

Benefits of Infinite Banking with IUL's:

1. Financial Control: Infinite Banking allows you to regain control of your finances by eliminating the need for traditional banks and lenders. You become the decision-maker regarding your financial transactions, interest rates, and repayment terms.

2. Tax Advantages: IUL policies offer tax-free growth on the cash value and tax-free withdrawals, as long as certain conditions are met. This can potentially save you a significant amount of money over time, compared to taxable investment vehicles.

3. Flexibility and Liquidity: One of the most appealing aspects of Infinite Banking is the flexibility it provides. You can borrow against the cash value of your IUL policy at any time, without credit checks or lengthy approval processes. This liquidity can be a game-changer during emergencies or investment opportunities.

4. Wealth Accumulation: Over time, the cash value of an IUL policy can grow through interest crediting linked to market indexes. This growth potential, along with the ability to borrow against it, allows you to accumulate wealth and create a robust financial foundation for yourself and your family.

5. Legacy Planning: IUL policies also offer a death benefit, providing financial security for your loved ones in the event of your passing. By utilizing Infinite Banking strategies, you can leave a lasting legacy while enjoying the benefits of your policy during your lifetime.


Infinite Banking with IUL's presents an exciting opportunity for individuals to take control of their financial destiny. By leveraging the power of IUL policies, you can become your own banker, accessing funds while simultaneously building wealth for the future. The flexibility, tax advantages, and growth potential of Infinite Banking make it an enticing strategy for those seeking financial freedom and security. Consider exploring this innovative concept and discover the possibilities it holds for you and your financial well-being.

A friend of mine sent me this video below along with questions about the concept. I think the video makes things very clear. It is geared around whole life policies working as your own bank. I write whole life policies as well.

Enjoy this video on the Infinite Banking concept!

And then watch this video on why many professionals believe IULs dwarf Whole Life Policies in the long run.

Read more about what an IUL policy is.

View my license.

To verify my license, visit the California State Department of Insurance website. Enter my California license number 4181215 into the box and click "SEARCH." You will see my ACTIVE license to help you with your IUL. So you can have 100% confidence in working with my company.


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