High-Performance Cash-Value Life Insurance for Infinite Banking & Retirement
We optimize cash value life insurance to keep your asset base continually compounding, even while you use its liquidity elsewhere.
- Grow with Infinite Banking
- Maximize Retirement & Legacy
Unfortunately, most IBC policies are designed to benefit the agent
John “Hutch” Hutchinson
Founder of BankingTruths
“I own what I sell, and
I won’t sell what I wouldn’t buy.”
14 family-owned policiesFrom 3 mutual companies19 years helping clients optimize theirs
Most Assets Have a Single Use.
College. Retirement.
Major purchases.
Investment opportunities.
Hold them.
Assets grow,
but you can’t use them.
Spend them.
You finally get to enjoy them,
but their compounding stops.
Infinite Banking Is the Foundation.
One asset working in two places.
Traditional Saving & Spendingresets you to zero after every single use.
The Cash Value Curvekeeps climbing in the policy while the borrowed liquidity works elsewhere.
Paying Down the LoanIt restores capacity and puts you at a higher point in the compound curve.
Don’t do what banks say…
Do what they do!
The biggest institutions already do this.
Banks
U.S. banks hold about $216 billion in life insurance.
(2,892 banks, FDIC bank data, June 30, 2026)
Universities
The University of Michigan, Clemson and LSU have used life insurance to recruit, retain and reward their head coaches.
Entrepreneurs
- Walt Disney borrowed against life insurance to start his business.
- J.C. Penney borrowed against his policy to save his business during the Depression.
Why Would They Do This?
Stable Growth
Insurance companies provide stable growth & guarantees, protecting your cash value.
Liquidity
Borrow against your cash value without selling the asset that’s compounding in the background.
Tax Sheltering
Life insurance provides multiple tax benefits since it performs a social good.
Protection
Various protective benefits against death and possibly even disability and lawsuits.
The Multi-Purpose Asset
Our Process
1
Questions
We answer all your questions so you can see if this makes sense. We then ask some of our own to help dial in your strategy.
You’ll get straight answers from the very start.
2
Numbers
Bring a policy you own or were shown and we’ll run you the best apples-to-apples comparison, or we’ll help you optimize from scratch.
You’ll get the best performing products & designs.
3
Strategy
We fine-tune your strategy so it works with your other wealth-building efforts, and service you as you use it over the years.
You’ll get a team that stays after the sale is made.
Let’s start with your questions.
“Working with the team at Banking Truths has been a great experience. Their depth of knowledge and professionalism have made me a client for life.”
Phil, Entrepreneur
“When asking the hard questions, I felt confident in their level of knowledge with their responses and ultimately in designing my plan.”
Kelly, Investor
Our Most Popular Content
John “Hutch” Hutchinson has no affiliation or association with The Infinite Banking Concept®, The Infinite Banking Institute, or Nelson Nash, nor his book Becoming Your Own Banker – Unlocking the Infinite Banking Concept; nor with Bank on Yourself, Pamela Yellen, or her book The Bank on Yourself Revolution. “The Infinite Banking Concept®” is a registered trademark of Infinite Banking Concepts Inc. “Bank On Yourself®” is a registered trademark of Hayward-Yellen 100 Limited Partnership.