About Borrowing With Infinite Banking
Updated December 2025 · by John “Hutch” Hutchinson, ChFC®, CLU®, AEP®, EA
Do you get triggered by the words “borrow”, “debt”, and “loan”?
Nelson Nash said, “you finance everything that you buy – you either pay interest to someone else or you give up interest you could’ve earned otherwise.”
Think about it, if you have a continuously compounding asset to pay off the loan at any time, are you really “in debt?”
Borrowing is just a way to creating liquidity from your assets without killing their compounding curve to start over.
Where are you with your infinite banking learning journey?
Questions??? Email me at Hutch@BankingTruths.com
Life insurance loans explained
How soon can I borrow?
Borrow or withdraw?
Articles about borrowing
Videos about borrowing
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Life Insurance Loans Explained
This video about life insurance loans is an “oldy but a goodie”. In fact it’s one of our most popular videos on YouTube. Hutch goes over how with infinite banking you’re borrowing against. Even though it seems like you’re paying yourself back the interest, you’re not. It’ actually better than that.
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This video shows a infinite banking example case study why it may be more advantageous to borrow against your banking whole life insurance policy rather than take a withdrawal. It also explores the distinction between traditional debt and a collateralized policy loan.
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