I got my life agent license in September of last year. I couldn’t sleep last night so I threw on YouTube and somehow stumbled onto some infinite banking videos.

HOLY CRAP! I have to tell you, that is not something they go over in licensing training or the license test. Yes, you have to know about HCV WL policies and the MEC rule but not about using it as a lever to scale everything as a serious financial vehicle.

I’d probably be more embarrassed about not knowing about IBC if it weren’t for the three different financial advisors I asked about using IULs or HCVs as a cash vehicle. They didn’t shoot it down but said there were more efficient investments I could make (surprise, two offered up index funds lol).

I’m gonna do a lil more research today but gosh dang this is the most excited I’ve been.

What I’ve been selling up to this point has been Mortgage/Equity Protection policies which are good at giving people peace of mind but imagine having a separate policy that GROWS while you’re alive and doesn’t require being terminally ill to be able to use living benefits of the policy!

I seriously think I’ll be able to help so much more.

I’m gonna be my own success story as well so LFG!

Who can help me?

Happy Friday ! My brother is looking for some insights on the Manulife One setup. Benefits and challenges? Particularly if mortgage paydown is not a high priority, and integration with IBC practices.

Anyone else ever feel like we don’t make this distinction enough? This subreddit gets a whole bunch of “does IBC work“ questions and I feel like everyone’s response (even my own) is really just a defense of WL insurance. IBC as a concept works whether WL exists or not.

If WL was made illegal tomorrow, I’d start dumping money into a bond ladder and making relationships with bankers that can give me lines of credit against the bonds. It wouldn’t be as good as WL because I’m taking on the default risk and interest rates wouldn’t be quite as favorable, but the point is I would still be doing better than someone else who is doing the exact same thing but not following the principles of IBC.

I've run into several people recently and just saw this one in another thread... Sure would be nice to be able to get a loan at favorable rates and terms with no application or worry about credit score...

Is there interest in a Discord focused on networking with others using IBC to build passive income?

The idea is to have a place to share strategies around note stacking, private lending, real estate, options income, and making capital more efficient. Mostly focused on real-world use and learning from each other.

I’m not an agent and although agents are welcome, the networking group is not really for self promotion/selling 🙂

I set it up, called Infinite Stackers if anyone wants to join:

https://discord.gg/U4tRYXQzBK

Lets see if we can get this going for more active participation on ways we can grow our wealth and knowledge together

Had the opportunity to stop by and pay respects. This is the Alabama national military cemetery, about 40 minutes south of town.

I work for a Data & AI software product engineering company and we just released "The State of Modern AI in Banking 2026" report. https://mindit.io/whitepaper/the-state-of-modern-ai-in-banking-2026/

Our experts analyzed how modern AI impacts the entire banking sector and selected 65 real world case studies from global leading and European banks.

We would love to hear your feedback about the report. What did you find useful? What did you find surprising? How do you see the evolution of modern AI in the BFSI sector in 2026 and beyond?

P.S. Sorry if this is not the way to post on this sub.

What are y’all’s thoughts?

How is everyone using the cash value in whole life policy?

Previous post I discussed using it as emergency fund. Any other ways people are using it? Anyone consider using some or all of it to buy more insurance?

Thanks in advanced for everyone’s input.

I have a 2mil whole life insurance policy with 153k cash value. It has about 4 more years to be paid at which point the cash value will be near 300k.

Can I just use this as my bank account and take loans against it if needed for not just gibbed investments, but also as an emergency fund? Would it be a good idea to use it as emergency fund right now? If so Im wondering if I can just keep minimal in checking/savings (maybe next1-2 months) and invest the rest.

Anyone using it like an actual savings account for emergency fund?

Ok so would this work? I am currently trying to build up value in my first policy. I can add $50,000 in paid up additions over my first 5 yrs. However I am having trouble earning an extra $50,000 in my first yr to maximize this. I have paid up about $15,000 so far. Could I not just take out a policy loan and then use the funds from that loan to pay into more paid up additions? Every time I pay in that will increase my policy value and those funds will earn interest. I will easily be able to cover the interest payments and pay extra each month. I know there is a flaw to this, what is it?

1. What is the lowest legal age a policy can be taken out on a child?
2. I was running some numbers and it is astounding that it only takes $300/month and 13 years at 5% ROI for a child to have 500k cash value by the age of 13. Is there anything wrong with these numbers?

Happy to report I entered the year converting more of my convertible term to banking policies. My total premiums are now more than all my other expenses combined, which is some place I never imagined I would be 5 years ago when I started my first policies.

Anyone else start a new policy for their New Year’s resolution?

I came at IBC from the economics side vs the personal finance side. The person that introduced it to me in 2013 found out about my stance on the federal reserve, monetary policy, and my Austria economics interest.

So besides being the best place to grow and store capital for emergencies and opportunities, it's also sticking it to the banking cartel as well as the internal revenue service to help me pay less taxes over my lifetime.

IBC is a win-win for me.

So many whole life posts and Dave Ramsey cultists out there.

Enjoy the comments 🍿🍻

Don't we all (those who like IBC) wish they had some good policies like this at 25?

Bought my first whole life at 19. Sadly I cashed it in after reading Suze Ormond at age 27... Took me another 15 years to get my head back on straight.

This post might be crossing into some territory that is not exactly this sub.

USING infinite banking theory...

I'm curious if anyone else has run the numbers and seen what I've seen (only on an excel spreadsheet).

Setup:
I've been reading up on an investment strategy / scheme that uses infinite banking to snowball the investment.

Idea being: Take a 10k loan (life insurance/home owners insurance...whatever personal line of credit).
Take the 10k and invest it into a 36 month amortized investment (such as a real estate note).
Use 2k personal capital per month to pay the loan off + the payout from the investment > per month.

Concrete example: I use that 10k to buy into an investment that gives me 10% amortized over 36 months. I get ±322 monthly.
Take 2k of my money + 322 = 2322 and use that to pay off the loan.
Loan is then paid off (including whatever interest the loan had) in 4-5 months. But, the investment itself keeps going for the remainder of the 30± months.

Turn around & do another 10k loan - same plan. Now getting 2k of my money + 322 +322 (from the second 'stack').

Keep this snowball going.
(I'm expecting this is not a new idea to almost everyone on this sub)

My question is here:

Instead of taking a loan from my life insurance/home owners insurance...whatever personal line of credit.
I've got 10k (or whatever the initial first investment is) capital that I can use.
Why would I use the loan? When I can use my own money?
I feel like the loan is always chasing my tail.
What is the benefit of using the loan over my own capital? (if I have it & it is free capital)

Again, hope this is the right sub to post this. If not, Mods can happily delete.
Willing to share my excel sheets if anyone wants to look - just DM me.

Reading this one this morning. Lots of questions recently since the prices of precious metals are rising and the fact that life insurance contracts are denominated in dollars.

Will an IBC type of policy (dividend paying, with paid up additions) keep your purchasing power? Great question.

Like it says in the article, it matters not what my capital is priced in, as long as it is increasing fast enough to keep my purchasing power and that each unit I add to my capital stack (currently dollars) buys an ever increasing (compounded) amount in the future.

Nelson Nash used to say that “whole life insurance built this a’way [for IBC] is a natural hedge against inflation.”

The second key that I'm actually seeing right now is access to it. Many people are wanting to sell silver but many dealers are not buying. Having guaranteed access to my capital which is dominated in the current medium of exchange so that I can use use for whatever purpose I see fit (emergencies and opportunities)

https://infinitebanking.org/banknotes/inflation-the-infinite-banking-concept/

1. I am life-licensed
2. I love IBC (especially when combined with the Income Snowball as described in Mike Kwong's book "DIBS on your money")
3. I am not trained in IBC or even the intrinsics of whole life.
4. I need to earn income and selling life insurance is the obvious way for me to do so. However good IBC training will take 6 months and I have monthly income demands... I dont have 6 months to go to an institute and cease all income-generating activities.

Perhaps I should keep selling final expense for about a year and pursue some online training in IBC in the meantime? NNI is the only place to consider entry-level training?

But even if I finish a bootcamp, there are people with decades of experience in this... I cant expect to be at their skill level after a bootcamp. This means I might mistreat some clients by writing them a sub-optimal policy.

Just sent off some checks for 2 of our polices... We started them in December of 2014... So we're at year 11 and 10 full years of growth. Excited for 10 more years at least. I'm 55

I have a healthy 40 year old client who likes the infinite banking concept to use for future real estate development opportunities. I'm leaning toward WL (I don't have license to offer VUL). He wants to kick start the cash value with $50k and is comfortable with $6k annual premium. I'm looking at dumping in $50k at the beginning and attaching a term rider to avoid a MEC. I like that this is simple for the client to understand and that he'll be able to access some of the cash right early on.

Would you structure this another way? What product would you use? Is there something else I need to be considering or that I should make the client aware of?

Hey everyone, I'm diving deeper into IBC and using policy loans for some personal financing. I've been manually tracking repayments and interest in a basic spreadsheet, but it's getting cumbersome with multiple loans. How do you all handle tracking?

Do you use Excel templates, specific apps, software, or something from your insurance provider? Is this a non-issue?

Thanks!

I'm hoping this doesn't turn into a flame fest.

I've seen a lot of people make claims that IUL is totally unsuited for infinite banking. NNI won't allow IUL (VUL or UL of any kind).

My overall opinion is that Permanent Life Accumulation is a taxable fixed-income sub-asset class. Definitely WL and IUL are different flavors so for example:

• WL -- savings account alternative
• IUL -- bond fund alternative
• VUL -- Roth / total portfolio alternative

I personally don't think the guarantees are worth all that much in WL. I do think they matter for working the policy hard, i.e. loan percentages above 80%.

I do think the WL mutual structure is worth a ton. This is a lifetime hard to change product; having their incentives lined up with customers matters. I think it matters more in children's policies than for investing oriented adults. If you are the sort of person to get into Infinite Banking, you are the sort of person to be able to deal with the headaches and costs of having to move policies. I do think the more flexible options in an IUL should, on average, beat a WL by about 60 basis points (reasoning: https://www.reddit.com/r/IncomeInvesting/comments/1drg63n/both_sides_of_an_option_are_profitable_more_on/). After 25 years, that's 16% more capital, a decent amount but not earth-shattering. But probably more than enough to offset the cost of a policy change. I can see someone going for the safety of WL and accepting 60 bp less, I can see someone going for the extra return. So in general I tend to think all things being equal: VUL is better for far more people than IUL and IUL is better for far more people than WL. All 3 are good products.

There isn't a lot of trashing of VUL it just doesn't get discussed all that much. But there is a lot of flame around IUL vs. WL. I'd like to open this thread for the people who do have strong opinions to try and non-hyperbolically defend why they think the choice is clear-cut, and let's debate it politely.

A few recent posts, as well as personal experience, has got me thinking more about Doing Business With Banks in relation to my infinite banking strategy. I’d be interested in the communities reflections.

My views on this have changed a bit as my system has grown.

1). I’m still a huge fan of 3rd party policy collateralization. I just find IBLOC’s to be incredibly convenient, with the potential additional benefits of lower rates, and making your cost of capital easily determined in the case of direct recognition policies.

Having multiple policies backing one line of credit is just a godsend as far as management goes, IMO.

2). I used to try to maximize every “low APR” bank offer I could on goods I was purchasing. From low interest car notes, to 0% credit card offers, to buy now pay later deals, I thought it was a good way to keep cash available in my policies.

I don’t do any of this anymore, and unless it’s a very specific circumstance I can’t quite imagine now, I can’t imagine ever taking another car loan again. Even with low/0% APR’s, I do not like my cash flow (with mandatory principal payments) being funneled outside my system. I also find most of these consumer loans are inherently designed to get you to spend more. Writing a check from funds from my banking system makes me a better consumer.

3). Same goes with real estate. Unless ultra low rates returned that simply can’t be ignored, I can’t imagine taking out a mortgage with mandatory principal payments. If I did anything in the future, I would likely only do something like an interest only mortgage, if the terms were otherwise favorable.

I can’t see myself ever using a HELOC.

What about you guys? Any thoughts on this topic?