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
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ARTICLES
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VIDEOS

HUTCH'S FAVORITES

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 your this comprehensive IBC learning resource.

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Whole Life Case Study
Banking Truths Team

Whole Life Case Study

This video goes in-depth with an infinite banking case study. Here we simulate a comparison between borrowing against Whole Life insurance vs. saving & paying cash for everything while stress testing different rates of return, tax rates, lower dividends, policy loans, and bank loans.

Learn More »

ARTICLES

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 your this comprehensive IBC learning resource.

Read More »

VIDEOS

Whole Life Case Study

Whole Life Case Study

This video goes in-depth with an infinite banking case study. Here we simulate a comparison between borrowing against Whole Life insurance vs. saving & paying cash for everything while stress testing different rates of return, tax rates, lower dividends, policy loans, and bank loans.

Watch Now »

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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Whole Life Policy Loans Pros & Cons vs. CVLOC from Banks

Hear Hutch dig into the pros & cons of using built-in Whole Life policy loans vs. outside Cash Value Line of Credit (CVLOC) programs from traditional lenders. CVLOCs are certainly more convenient and can lower Whole Life borrowing rates by 0.5%-2%, which can massively increase your cash surrender value over the span of decades.

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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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ADVANCED LEARNING CONTENT

Consider yourself an expert on Banking with Life Insurance?

Check out our free “Ultimate Guide to Whole Life for IBC” PDF
Or our advanced video course on “Hybrid-Banking”!

The Ultimate Guide to Using Whole Life for Infinite Banking Concept

11 Lessons

Hybrid Banking Education

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BEGINNERS COURSE

NOT sure where to start, but ready to dive in?

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.

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