Infinite Banking Concept Articles & Videos

IBC can seem so counterintuitive in so many ways. Using life insurance as a growth vehicle, trying to pay extra premium, and borrowing to get ahead to name a few. Scroll below to find our collection of articles & videos on this concept to dispel the myths and 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

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 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.

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ARTICLES

VIDEOS

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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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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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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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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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 »

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.

Watch Now »

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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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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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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