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Think about this for a moment – if you could somehow recover all the interest you are currently paying (or will pay) to a lending institution, how would that improve your wealth generating potential?  That includes credit cards, car loans, student loans, business loans, and even mortgages.  The average American pays out $0.34 of every earned dollar as an interest expense.  On top of that, the average American is paying $0.30 of every earned dollar in tax.  Imagine having that interest come back to you in a tax-favorable account you control.  What opportunities could you take advantage of in your life with even half of that cash back?

The basic idea behind the Infinite Banking Concept, or IBC, is for individuals to take more control over the financing and banking functions in their everyday lives.  We finance everything we buy:

1. We either borrow money from someone else to buy it
2. Or, we save up money over time to buy the item and lose the potential earnings from those dollars had we invested them.

IBC is a strategy where people can essentially do both.

How is this possible?  By having your dollar do more than one job.  Right now, when you spend $1, it does one thing for you.  It buys gas.  Or it buys food.  Maybe it pays a bill.  Perhaps it goes towards a vacation or large purchase.  But once it leaves your hands (or electronic account), it is gone.  It can do nothing else for you.

But what if there was a strategy that teaches people how they can have their $1 do more than one job simply by moving it through an asset that they control?  And what if this strategy was accessible to the everyday person?

This is the essence of the Infinite Banking Concept, originally championed by Nelson Nash in his book Becoming Your Own Banker.  Though banking has been around for ages, and life insurance has been around for 250+ years, Nash saw how the two could be used together by anyone, not just big business or the already wealthy.  In his book he demonstrates that by creating your own private “banking system” through a specially designed life insurance contract, and running your dollars through this system, you can significantly improve your financial situation.  At its core, the concept is as simple as that.

Creating your IBC system can be done in a variety of creative ways without changing your cash flow.  At first, it is typical to start a small system and build up over time.  This is part of the process.  It takes time to grow a system to handle everything we want it to do.  Thinking long term is critical.  Just keep in mind that you will be in some financial situation 10, 20 or even 30 years from now.  To get there we must start somewhere.  We must take those first baby steps before we can imagine running a marathon.  This where the IBC certified practitioners on the Life Success & Legacy team can bring value to your life.  We come along side to help you solve your problem.

Once created, from day one you have access to cash in your system.  This personal pool of money grows guaranteed, and can be used to pay down debts, purchase assets, and take advantage of opportunities.  Your savings, investing and living dollars can now be first redirected through your private “banking system” before moving on to do other things for you.  The payments that would have otherwise gone to a banking institution are paid back to your personal pool at the same market interest rate that would have been used.  The result?  More money goes into your system, and each dollar is performing multiple jobs.

Recapturing interest and reducing the tax burden is a great story.  But it gets even better.

The specially designed life insurance contracts we utilize guarantee growth at a competitive rate, meaning you will never lose principal and never lose previous gains.  This money can be utilized tax-free.  You have full access to your funds whenever and for whatever you want, with no fees, penalties, review boards, or additional collateral.  The money you use can be paid back at your leisure with no set repayment schedule.  And, when the time comes, you can pass on everything you’ve built up to those you love and care about completely tax-free.

Sounds amazing, doesn’t it?

This is exactly what the wealthy do.  This is how families pass on systems of wealth that enable the next generation to follow their dreams, start businesses, and take advantage of opportunities without losing it all to estate and inheritance taxes.  Corporations and banking institutions use this strategy to create working pools of capital for their businesses.  Wachovia Bank is just one example.  Walt Disney used this strategy to begin his dream of building a theme park for children.  We’d love to share more examples.

The question is, what do you want?

Peace of mind?  Financial security?  A sound financial solution that doesn’t rely on a fluctuating market?  To have cash for emergencies and opportunities?  To have something to pass on to the people you love?

Are you willing to learn more?

Download our free e-book Financial Planning Has Failed.  Also, purchase a copy of Nelson Nash’s book, Becoming Your Own Banker  It is a quick and easy read.

Join one of our webinars, or attend an IBC boot camp, all free of charge.

At no cost to you, we will teach you more about how IBC works, and create with you a plan that works to solve your problem.  There is no obligation at any point in the process.

Whatever you decide, take the next step today.

This is your life.  This is your legacy.

Contact one of our IBC Coaches immediately so we can show you the power of IBC and whole life insurance today. (888) 439-0777