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Infinite Banking Concept Articles & Videos

IBC can seem so counterintuitive in so many ways:
- Life insurance for growing cash?
- Pay extra premium on purpose?
- Using policy loans to get ahead?
Scroll through our collection of articles & videos on IBC to dispel the myths & connect the dots.
John "Hutch" Hutchinson
Founder of BankingTruths
ARTICLES
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VIDEOS
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HUTCH'S FAVORITES

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.

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Whole Life acts like a swiss army knife in retirement

Whole Life Insurance For Retirement

Whole Life insurance is meant to complement not replace your retirement portfolio. Its protected growth & tax-exemption make Whole Life an ideal retirement buffer, not to mention its death benefit can allow you to spend more of your portfolio while you’re alive.

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ARTICLES

A HELOC is a flexible credit line backed by your home's value, allowing you to borrow money as needed to pay off high-interest debts.

Does Velocity Banking Work? Payoff Debt & Build Wealth Faster

Discover the effectiveness of Velocity Banking in our comprehensive guide that explores how you can eliminate debt and accelerate wealth accumulation through strategic cash flow management. Learn about common misconceptions, psychological barriers, and gain valuable insights to empower your financial journey. Take charge of your financial future today!

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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 »

VIDEOS

Pay Simple % Earn Compound

People researching the Infinite Banking Concept (IBC) w/ Whole Life insurance often believe there is some magic mechanics to taking a policy loan. In reality, the science of compounding, leverage, and arbitrage is what can maximize your Infinite Banking Strategy. This video explores the math behind the myths of banking & the truth of compounding.

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Being your own bank by borrowing against whole life insurance cash value

The Basics of How the Private Banking Concept Works

Understand the basics of “Banking with Life Insurance” boiled down to 6 minutes. In this video, we explore how this strategy can be more financially efficient than even paying cash for things like vehicles, real estate, business inventory, and equipment. Use this strategy to turbocharge your returns when investing in real estate or within your own business.

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Life Insurance Loans Explained

Life insurance loans with infinite banking are completely different from traditional debt. This video compares the similarities and differences between borrowing from your 401k and borrowing against your life insurance policy using the infinite banking concept.

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Whole Life For College and Beyond (Using Infinite Banking)

Using Whole Life insurance for college savings using infinite banking can work well for children. But why stop there? Because your entire cash value balance continues earning guaranteed interest & dividends (not guaranteed) even while borrowing against it, your kids can harness the benefit of compound interest for their whole life.

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Will Infinite Banking Work With Assets Other Than Life Insurance?

Clients often wonder early on why they can’t build their own banking unit using stocks, bonds, or mutual funds. It’s a perfectly valid question, especially for people who don’t necessarily need life insurance protection for their family or business. The truth is that you can, but you may not want to after watching this video.

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Premium Finance vs Infinite Banking with Life Insurance

This video explores the difference between premium finance vs. the infinite banking concept using visual examples. Premium finance life insurance is all about maximum leverage (but sacrificing control). Conversely, the infinite banking concept offers considerably more control and versatility still with a leverage component you can control.

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FREE PREMIUM CONTENT

ADVANCED LEARNING CONTENT

Ready to dive deeper into Banking with Life Insurance?

Check out our free “Starter Guide to Whole Life for IBC” PDF:

The Starter Guide to Using Whole Life for Infinite Banking Concept

WHAT'S THE NEXT STEP?

Hope you enjoy the loads of content above explaining how private banking & retirement strategies work with properly-structured life insurance.

Whether you’re looking for the high-level concepts or the focus details in various case studies we got you covered.

For those ready to take their learning to the next level you can book your own complimentary no-pressure consult here to have your questions answered and your own personalized case study modeled out. We find the light-bulb finally goes on once clients see the concept through their own numbers.