Researching Banking with Life Insurance?
Not sure where to start?

Peruse our articles & videos to make more informed insurance decisions.

Become Your Own Banker & Transform Your Cash Flow:


 Guaranteed access to policy equity for emergencies & opportunities


Continuous compounding always…even if you borrow against cash value


Pay with after-tax dollars & never pay taxes again (similar to a Roth)


Built-in protection benefits for death, disability, and possibly even lawsuits 


What You NEED To Know, Whether You Work With Us or Not!

We Were In Your Very Same Shoes:

When we first learned about this private banking strategy as industry professionals in 2008, we immediately saw the potential of NOT doing what banks say…but doing what they do!

Wanting to create our own private family banking policies, we sifted through all the content available on the subject, which we disappointingly found to be:

  • Biased and unbalanced
  • Incomplete and out of date
  • Smoke & mirrors leading to a hyped-up pitch.

As independent financial professionals with our own money on the line, not only did we uncover the whole truth behind becoming your own banker, but we have substantially improved upon its application through continuous innovation.

Now, our own well-funded private family banks act as the hub of our finances, the way station, the launchpad towards:

  • major family expenditures,
  • outside investment opportunities,
  • and our ongoing business ventures.

Bringing this big institutional thinking down to the household level has been both a challenge and a joy! 

We pride ourselves on laying out information that’s factual, up to date, and easy to understand. That way you can quickly find out if this is right for you or not. We’re happy to guide you through the learning process in a way that’s educational and never salesy.

Click here to learn more about us.



I researched the articles & videos at 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 the most confidence in their level of knowledge with their responses and ultimately in designing my plan.
I have used loans against my life insurance to buy cars, a condo with our daughter, fund her college, carry us over during a job transition, and to start a business. 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.


Our most recent articles & videos can help even the most seasoned bankers stay current

Banking Truths Team

The Infinite Banking Concept Explained

The Infinite Banking Concept’s most complete article ever written. Learn what is IBC, who started it, Infinite Banking Concept pros & cons, plus Whole Life policy best practices and design techniques. Use our clickable table of contents to easily navigate through this comprehensive IBC learning resource.

Read More »
Banking Truths Team

Best Whole Life Insurance Companies For Cash Value

See the best Whole Life best policies of 2022 from top mutual companies compared. This includes IBC policies using PUA riders & term riders as well as the best performing 10-pay Whole Life policies. You’ll see current dividend rates as well as lower stress-tested dividends for 3 different ages ranging from 30’s-50’s.

Read More »

How Well Do You Know The Infinite Banking Concept?

Our IBC Quiz can help you learn what you don't even know you don't know

Take a Deep Dive Into Our Most Popular Articles:

The Infinite Banking Concept Explained​

The 5 Steps to Becoming Your Own Bank with Whole Life Insurance

Whole Life Dividends Explained

Paid-Up Additions Rider: The Secret to Accelerating Whole Life Insurance

What Are Mutual Insurance Companies vs. Stock Insurance Companies?

Is Indexed Universal Life good or bad? Check out the Pros and Cons of IUL

Buyer Beware: Irrevocable Discretionary Spendthrift Trust

The Ultimate Guide for Premium Finance

Is IUL a Bad Investment? IUL vs. 401k/Roth IRA​

Let Us Do the Shopping & Modeling for Your Ideal Banking Life Insurance