The Infinite Banking Concept is a financial strategy that allows you to become your own banker by using a specially designed whole life insurance policy to control your cash flow and grow wealth.

Unlike traditional banks, IBC gives you full control over your money. You can borrow against your policy’s cash value without approval, while your money continues to grow uninterrupted.

No. While it’s built on a whole life policy, it’s structured differently — focusing on maximizing cash value rather than death benefit.

It was developed by R. Nelson Nash, who outlined the philosophy in his book Becoming Your Own Banker.

Not at all. IBC is for anyone who wants to take control of their finances. You can start small and expand your system over time.

Yes. Through policy loans, you can access your cash value for any purpose while your money continues compounding inside the policy.

The unpaid balance is deducted from your death benefit. However, it’s always best to repay loans to keep your system strong.

Yes! When structured properly with a mutual insurance company, it’s one of the most stable financial vehicles available, protected from market volatility.

IBC requires proper setup and guidance to ensure your policy is optimized for cash flow and long-term growth. Practitioners like Tom are authorized and trained by Nelson Nash Institute to structure policies the right way.

Schedule a consultation to assess your goals, learn the process, and begin your journey toward financial certainty.