Begin to free yourself with this one sentence:
The accumulation and utilization of inter-generational Capital in properly structured, dividend-paying whole life insurance policies issued by mutual companies, to which you have contractual access via unstructured loans from the insurance company.
Your study should begin with the book Becoming Your Own Banker, by R. Nelson Nash. Adding to that foundation with his book, Building Your Warehouse of Wealth. Do not hesitate to contact an Authorized Provider from InfiniteBanking.org. The website of the Nelson Nash Institute has many video resources, including the DVD set of his lectures.
Authorized Providers have been specifically trained to coach clients to understand and properly implement the Infinite Banking Concept.
To further your understanding of the Infinite Banking Concept, you are invited to contact me, Brian Heyer directly -without obligation of course- via email to Brian @ YourFamilyCapital.com. Believe me, I can talk all day about it. I’ve found over the years that so much of the noise and misunderstanding of dividend-paying whole life insurance from mutual companies is imposed by the financial industry itself. I.B.C. is remarkably simple once the chaff is blown clear. It’s long past the time for families, their businesses, and churches to understand the importance of growing and controlling multi-generational Capital.
Life insurance is unique among financial assets in that 1) the lender (the life insurance company) is obligated to lend against that guaranteed growth of the collateral, and 2) the borrower exclusively sets the terms of repayment. There is no lengthy credit check or application; it is merely an online service request.
Why go through the hassle of using a life insurance policy to finance the major purchases of our businesses and families? Economically speaking we finance every asset we purchase. When we formally finance it through a vendor or commercial bank, we pay interest; and when we pay cash, we give up the interest we would have otherwise earned. It is lost forever. Paying cash for long term assets cuts off the compound growth of our capital, and we always restart fundraising from zero. By using a ‘policy loan’ to buy assets, the underlying capital (the policy’s cash value) continues to grow toward the rising death benefit even while the loan is outstanding. Each loan repayment increases the available-to-loan balance, immediately replenishing capital for decades of use and re-use. This creates a financial tailwind instead of flying into financial headwinds.
Families and businesses are never in a worse position by having contractual access to a growing capital base which they themselves profit from owning. When properly executed, these specially designed life insurance policies perform better with each passing year, with available-to-loan cash value eventually growing at a multiple of the annual premiums paid.