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Learn The Why & How of Infinite Banking (IBC)

A mentor once told me:

“If you get the concept, the details are irrelevant!…And if you DON’T get the concept, the details will always be irrelevant!”

We’re not afraid of details, but you can fully grasp the concept in 3 videos (12.5 minutes) 

Below those 3 vids are detailed articles & additional learning paths, if you prefer to read.

– John “Hutch” Hutchinson

Build Two Assets At Once Using Life Insurance As Your Own Bank

This 2-minute video explains why building your own private banking system with life insurance can help you create an additional bucket of wealth simply by harnessing compound interest from dollars that would normally be spent and slip right through your hands.

The Simple Science Behind Infinite Banking

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.”  This 6-minute video shows how to earn compound interest on an increasing cash value balance while paying simple interest on a decreasing loan balance.

How Major Banks Invest Their Safe and Liquid Reserves in Life Insurance

Watch Hutch analyze the balance sheets of America’s 2 biggest banks to see how much of their safe and liquid reserves they deploy into life insurance cash value. In this 4-minute video he also discusses what benefits big banks get from this strategy and how you can too.

Infinite Banking Articles and Videos:

These 3 articles and 3 videos will help you digest what IBC is, what it's not, and how it works.

Infinite Banking Concept Explained: How to Become Your Own Banker

Infinite Banking is a cash flow management system using the cash value in a life insurance policy rather than traditional bank accounts. By borrowing against their policies cash value, users of the Infinite Banking keep their liquidity compounding inside a tax sheltered environment and end up at a higher place in line when they pay down the loans.

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Jim Harbaugh’s $2M/year IBC Policy Bonus

Jim Harbaugh’s $2,000,000/year premium cash value policy bonused from the University of Michigan is part of a massive life insurance loan. Hutch walks you through the actual split-dollar life insurance contract and discusses this 7-figure borrowing strategy.

Watch Now »

4 Major IBC Risks: What Could Go Wrong & How to Pivot

The 4 major risks associated with using Whole Life for infinite banking. This video also goes into how you can change your premium payment schedule or borrowing schedule if needed. Different pivot plans & exit strategies are discussed along with each major risk incurred in this chaotic economic environment.

Watch Now »

ADVANCED IBC LEARNING

Take your learning of privatized banking to the next level with our free-mium content.

The PDF Starter Guide to Using Whole Life for Infinite Banking Concept

Hutch's "4-D Banking" System Explained: Comprehensive Banking Strategies

Ready to Dig Even Deeper?

Here are 3 more content collections on IBC products, borrowing mechanics, and 4-D Banking.

Better Understand Whole Life Products for IBC

Learn More About How IBC Borrowing is Different

"What is 4-D Banking?"
Learn the Basics

Garth
Executive
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. I'm very grateful for them and for the partners they have become in my investment strategy. Knowing what I know, I would enthusiastically work with them again and plan to do so personally in the future.

I built this site to provide the most transparent info on using life insurance as your own private bank & retirement vehicle.

When you're ready to have all your questions answered & your personal situation modeled using the top products & designs - simply book a Zoom call with us.