Title: Create Your Own Bank with Infinite banking: A Pathway to Financial Freedom


The concept of infinite banking is gaining momentum among individuals seeking financial freedom and control. It is a financial strategy that empowers you to become your own banker and manage your finances more effectively. By understanding the principles of infinite banking, you can grow and protect your wealth while minimizing the influence of traditional financial institutions. This article will explain the concept of infinite banking, its benefits, and how you can create your own bank using this strategy.

What is Infinite banking?

Infinite banking is a financial strategy developed by R. Nelson Nash, a financial advisor and author of the book “Becoming Your Own Banker.” The concept involves using whole life insurance policies as a means to save, grow, and protect your wealth while simultaneously gaining access to liquidity and control over your finances.

The basis of infinite banking is the use of dividend-paying whole life insurance policies, specifically those that have a cash value component. These policies allow you to build cash value over time, which can be borrowed against or withdrawn when needed. By managing your savings and loans through your policy, you essentially become your own banker, bypassing traditional banks and lending institutions.

Benefits of Infinite banking

1. Control Over Your Finances: As your own banker, you have complete control over your financial decisions. You can determine how much to save, when to borrow, and how to invest your money without relying on banks or other financial institutions.

2. Tax Benefits: The growth of your cash value within a whole life insurance policy is tax-deferred, meaning you do not pay taxes on the growth until you withdraw the funds. Additionally, loans from your policy are not considered taxable income, allowing you to access your money tax-free.

3. Financial Security: A whole life insurance policy provides a guaranteed death benefit, ensuring financial security for your loved ones in the event of your death. The cash value component also serves as a financial safety net, providing liquidity and access to funds when needed.

4. Guaranteed Growth: Unlike traditional savings accounts or investments, the cash value of a whole life insurance policy is guaranteed to grow over time, providing a stable and predictable source of wealth accumulation.

5. Asset Protection: The cash value within a whole life insurance policy is typically protected from creditors and lawsuits, keeping your wealth safe from potential threats.

Creating Your Own Bank with Infinite banking

To create your own bank using infinite banking, follow these steps:

1. Find a reputable insurance agent or financial advisor who is knowledgeable about infinite banking and dividend-paying whole life insurance policies. They can help you select the right policy to fit your financial goals and needs.

2. Determine your financial goals and how much money you want to save each month. Work with your advisor to select a policy with a premium that matches your desired savings amount.

3. Begin paying your premiums and accumulating cash value within your policy. As your cash value grows, you can use it as collateral to borrow against or withdraw funds when needed.

4. Manage your loans and withdrawals responsibly, ensuring that you repay any outstanding loans to maintain the growth of your cash value and the integrity of your policy. You can also use your policy to finance large purchases, such as a car or home, and repay the loans on your own terms.

5. Continuously review and adjust your financial strategy as needed, working with your advisor to ensure that your policy remains aligned with your financial goals and objectives.


Infinite banking offers a unique approach to financial management, allowing you to create your own bank and take control of your financial future. By utilizing whole life insurance policies with a cash value component, you can save, borrow, and invest your money while enjoying tax benefits, financial security, and asset protection. With the right guidance and strategy, infinite banking can lead to long-term financial freedom and success.

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