How to Become Your Own Banker

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The Philosophy of Infinite Banking

Infinite banking is a concept that allows an individual to capture the opportunity cost of their money. The whole idea is to recapture the interest that one is paying to banks and finance companies for the major items that we need during a lifetime, such as automobiles, education, homes, investment opportunities, and business equipment. The only vehicle that should be used for Infinite Banking is dividend-paying whole life insurance. The Cash Value that is always increasing on a guaranteed basis can be used as collateral to take out low-interest policy loans to assume the position of banker in your life. As the Cash Value grows every year it will provide a passive income source for later years.

The Infinite Banking Concept

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The Features of Infinite Banking

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Your Own Banker?

It is easy to see why individuals would want to utilize their whole life insurance policies as financial tools to improve their cash flow. Infinite banking allows you to borrow from yourself, in some cases up to the total amount guaranteed by your life insurance policy. You repay the loan over time without losing any money or any interest cost.

Ultimately, the process involved in becoming your own banker, with a responsible financial management plan and a repayment strategy, is you borrow money from yourself and repay yourself while generating interest on your total account value. It is an effective financing method for large projects, startup businesses, and other important purchases throughout your life. And, when you pass away, you leave behind a significant amount of money for your family members.

Now that you understand the infinite banking concept, if you find yourself interested in more information about the process and the requirements for getting started, we encourage you to reach out to a professional. Factum Financial Wealth Strategists are well-versed in infinite banking and understand its benefits. They will be able to assist you in finding a policy that provides you with a high-interest cash value account so that you can get started today.

Ultimately, we understand that our clients want to take their finances into their own hands. We are here to guide you through the process and provide resources, feedback, and insight to the marketplace, so reach out to us today.


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