IBC is a financial strategy where someone creates their own personal banking system. This allows them to finance emergencies and opportunities on their own terms.

Whole life insurance provides stable, long-term growth through guarantees and dividends. It offers both protection and access to capital, making it one of the few assets that can grow predictably while remaining liquid and tax efficient.

Unlike traditional savings vehicles, IBC combines guaranteed growth, tax efficiency, and liquidity. Your money continues compounding even when you borrow against it. By borrowing against it you can participate in traditional investments AND IBC rather than one OR the other.

IBC isn’t just for the ultra-wealthy, it’s for anyone who values liquidity, use, and control. It is scalable, meaning the more you can commit to your plan, the bigger your asset will be.

As your policy’s cash value grows, it becomes an ever-increasing source of accessible capital. You can borrow against it for opportunities, such as reinvesting in your business, purchasing real estate, or covering expenses, while your money continues to compound inside the policy.

A corporately owned policy can create significant tax advantages. It can help fund your estate tax bill, boost your Capital Dividend Account (CDA), and provide liquidity to transfer wealth efficiently to the next generation — all while protecting your corporation’s retained earnings.

When structured correctly, access will begin within the first year and become increasingly efficient over time as the policy grows. Funds can be accessed through policy loans or collateral lines of credit which have different levels of flexibility and tax treatment.

Like any long-term strategy, IBC is not a get rich quick scheme. You should have a long-term view. Also, it must be properly structured by a Wealth Coach that is an Authorized Infinite Banking Practitioner to ensure it’s properly structured for tax efficiency and liquidity.

Policies can be designed with flexibility in mind. You can reduce or pause contributions within limits or use accumulated cash value to cover premiums temporarily, helping you stay on track without losing momentum.

A team approach works best. Your Wealth Coach (authorized in Infinite Banking by the Nelson Nash Institute), accountant, and sometimes your lawyer should collaborate to ensure the structure aligns with your tax and corporate strategy.

The first step is a to schedule a Financial Consultation with a Wealth Coach to understand your current business and personal strategy, and your objectives in the future. We can then determine how IBC or an insurance-based tax strategy can help you toward those objectives.