Simply upload the illustration you’re considering, and we’ll show you whether it’s built to perform or quietly circles the drain under real world use-case scenarios.
The full illustration PDF you were given
(best option)
An in-force illustration ledger
(if you already own the policy)
Screenshots of the illustration through age 88-90
(we just need snips of the numbers & your rating)
If it’s high quality, we’ll tell you. If it’s flawed, we’ll show you where.
Specific structural issues that could undermine performance
See an apples-to-apples comparison with a properly structured policy from the top-performing True Mutual company
Know how your policy can handle real-world loan scenarios when using the cash value for Infinite Banking or retirement
Step 1: Upload your illustration
Step 2: Tell us about your goals
Step 3: Get your analysis
We ask for age, state, retirement timeline, goals, and policy details because Whole Life performance depends heavily on time horizon, state availability, funding design, and how you plan to use the cash value. Without that context, the analysis would be incomplete.
Takes ~3 minutes to submit, and we’ll email your results.
Free Analysis
To Complete
IBC Analysis
Is this really free?
Yes. There is no obligation to work with us.
Will you tell me if my current policy is good?
Yes. If it’s well-designed, we’ll absolutely let you know.
What happens after I upload?
We’ll review your illustration, run the analysis, and email your results.
What if I don’t have a full illustration?
A full illustration PDF is best, but an in-force ledger or screenshots through age 88-90 can work.
Will you contact my current agent?
No. We do not contact your agent or insurance company without your permission.
Is this only for new policies?
No. You can submit a policy you’re considering or a policy you already own.
This article takes a deep dive into understanding the key drivers behind what qualifies the best dividend-paying Whole Life companies to be an ideal fit for the Infinite Banking Concept. The amount of features and riders available on Whole Life can be overwhelming when it comes to specifically designing it for Infinite Banking and cash value performance.
Confused by all Whole Life’s moving parts? This video explains the the conceptual interplay between all of Whole Life’s riders & growth components using a race car analogy. Then we put numbers to these concepts so you can learn the optimal way to design a Whole Life policy for infinite banking and why.
Critics say Whole Life is expensive, even when using term & PUA riders for infinite banking. In this video, Hutch dispels the myths by showing a true cost/benefit analysis of IBC.
Hutch also examines this scarcity mindset further by comparing becoming your own banker with IBC to real estate investing and entrepreneurship (both of which take time to be profitable).