High Cash Value Life Insurance for Infinite Banking & Retirement
Build wealth you don’t have to kill to use.
We optimize cash value life insurance to keep your asset base continuously compounding even while you use its liquidity elsewhere: first through Infinite Banking, and potentially by extending those same principles across your entire balance sheet.
Unfortunately, most policies are optimized for the agent who designs them, not the client they’re meant to serve.
We make sure it’s built right for you the first time. Wherever you are in the process, we can help.
“I’ve bought 14 policies over the last 19 years and seen and designed thousands more for clients. I know how to spot the ones built to last from the ones that circle the drain.”
John “Hutch” Hutchinson, ChFC®, CLU®, AEP®, EA
Founder of BankingTruths.com
Most financial accounts have one job.
College · Retirement · Big Purchases · Opportunities
People build each account for a specific purpose and eventually face the same choice.
Hold it.
It grows, but you can’t use it.
Spend it.
You finally get to use it, but the compounding stops.
What if the asset could stay intact while you borrow against it?
Infinite Banking is the foundation.
A properly designed cash value policy lets you borrow against the asset instead of withdrawing from it.
Your cash value stays inside the policy and continues compounding. The loan provides liquidity that can be used somewhere else simultaneously.
One asset working in two places at once.
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.
That’s the real power of Infinite Banking.
Not: “You’re paying yourself back the interest.”
Not: “It’s free money you never have to repay.”
Actually: You keep your place on the compound curve, while the underlying liquidity starts a new curve elsewhere.
Before Infinite Banking had a name, famous entrepreneurs were using life insurance.
For generations, business owners have borrowed against assets they already controlled and put the money to work in their own enterprises when traditional banks said no.
Walt Disney used it to build.
Borrowed against his personal policies to hire Disneyland artists.
Ray Kroc used it to expand.
Tapped his key man policy to expand the McDonald’s enterprise.
J.C. Penney used it to survive.
Survived the credit freeze of the Great Depression using life insurance loans.
Even the big banks themselves, who need reserves to lend, keep billions in life insurance cash value, beefing up their balance sheets while funding future retirement benefits for insured key executives.
Don’t do what banks say… Do what they do.
This same principle also works in retirement.
The same policy that gives you liquidity while you’re building wealth can become just as valuable when it’s time to start enjoying it, and markets are down or taxes are up.
During your working years
The challenge is keeping your assets compounding while you use capital elsewhere.
In retirement
The challenge flips. How do you create income without unnecessarily liquidating the assets you spent decades building?
Cash value gives you a unique place to access liquidity, allowing other assets more time to recover and continue compounding instead of forcing you to sell them when they’re at their weakest.
If this principle works so well with life insurance, can’t it work with my other assets?
Yes and no… Life insurance has such a unique combination of characteristics that it is the only asset that can be used standalone for Infinite Banking.
That said, owning policies designed for Infinite Banking can make it safer to borrow against more volatile assets like brokerage accounts, precious metals, home equity, retirement plans, and other investments.
Many people wonder if IUL can work for Infinite Banking. The IBC purists say it can’t, but that is absolutely not true. You’ll find in the grid above that in some areas it scores better than whole life, but that comes with the trade-off of certain guarantees, which can be managed.
As long as the Indexed Universal Life policy is chosen, designed, and funded properly, you can borrow against it while it compounds for you in the background, sometimes at a greater rate than whole life.
Adding Assets & Loan Options is Where Infinite Banking Expands to 4-D Banking
Instead of being limited to life insurance cash value, 4-D Banking coordinates other assets and their available loan options so they can each support each other when borrowing, extending these principles across your entire balance sheet.
Life insurance provides not only the highest loan-to-value access, but also the stable foundation, which unlocks the borrowing options from more volatile assets.
Instead of asking: “Which assets should I liquidate to create liquidity?”
The question becomes: “Which assets can I safely borrow against without taking them off the compound curve?”
Life insurance doesn’t have to be the whole financial system. It’s the foundational asset class that can make your entire balance sheet act as your own bank.
“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
“I researched the articles & videos at BankingTruths.com and was intrigued by the level of detail and transparency. I felt comfortable with the team’s bedside manner and responsiveness. Also, when asking the hard questions, I felt confident in their level of knowledge with their responses and ultimately in designing my plan.” Kelly · Investor
“I reached out to Ben and Hutch in 2020 to get some help in gameplanning some very nuanced strategy beyond simply purchasing a whole life insurance policy. I found them to be approachable, transparent, and highly competent – capable of answering any questions I had as it related to the industry, the policy options, and optimizing the policies to fit within my strategy. They are quick to respond to any questions and follow through with every action item on their end, keeping me informed along the way.” Garth · Executive
Popular Articles & Videos
Check out some of our most timely & popular content:
Learn what actually works, and what doesn’t. Start with our free Starter Guide: The Do’s & Don’ts of Infinite Banking with Whole Life Insurance, plus Hutch’s explainer video.
Don’t sign an illustration until you’ve stress-tested it. Upload the PDF or a screenshot into our free AI Policy X-Ray and see how the design actually stacks up.
Don’t assume you’re done just because you already bought one. See how your policy is actually built, where it may still be improved, and how it can be coordinated with the rest of your wealth-building strategy, from retirement planning to a broader 4-D Banking system.
John “Hutch” Hutchinson, ChFC®, CLU®, AEP®, EA • Founder of BankingTruths.com • 19-Year Practitioner of 14 Banking Policies • From 3 True Mutual Companies
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.
