Title: Harness the Power of the Infinite banking System to Grow Your Assets

Subtitle: Discover how infinite banking can help you achieve financial freedom and grow your wealth

Introduction: The Infinite banking System (IBS) is a powerful financial strategy that can help you achieve long-term financial goals. By leveraging the power of whole life insurance policies, you can create your own private banking system to grow your assets and protect your wealth. This article will explain how the infinite banking system works, its benefits, and how you can harness its power to grow your assets.

What is the Infinite banking System?

The Infinite banking System, also known as the Bank On Yourself strategy, is a financial concept that utilizes dividend-paying whole life insurance policies to create a personal banking system. This system allows you to borrow against your policy’s cash value, essentially creating a self-financing system that eliminates the need for traditional banks and lending institutions.

How Does the Infinite banking System Work?

The foundation of the infinite banking system is a whole life insurance policy that pays dividends. These policies are specifically designed to grow cash value over time, providing a stable and secure financial asset. The key to this system is the ability to borrow against the cash value of your policy, using your own money to finance major purchases, investments, or emergencies.

Here’s a step-by-step guide on how the infinite banking system works:

1. Purchase a dividend-paying whole life insurance policy: The first step is to work with an experienced insurance agent to find the right policy for your needs. Look for policies with high cash value growth and a strong track record of paying dividends.

2. Fund your policy: Once you have your policy in place, you’ll need to consistently fund it with premium payments. Over time, your policy will accumulate cash value and earn dividends.

3. Borrow against your cash value: As your policy grows in value, you can start borrowing against the cash value. This is done by taking out a policy loan, which is essentially borrowing your own money. The amount you can borrow is determined by the cash value of your policy.

4. Pay back the loan: When you borrow against your cash value, you’ll need to pay the loan back with interest. However, the interest you pay goes back into your policy, increasing its value even more.

5. Repeat the process: As you continue to fund your policy and pay back your loans, your cash value will grow, allowing you to borrow more and more over time.

Benefits of the Infinite banking System

There are several benefits to using the infinite banking system to grow your assets:

1. Liquidity: With the infinite banking system, your cash value is always accessible. You can borrow against your policy at any time, allowing you to access your money when you need it.

2. Control: By using your own private banking system, you have complete control over your money. You decide when and how to borrow, and you set the repayment terms.

3. Tax advantages: Whole life insurance policies offer several tax advantages. The cash value growth within the policy is tax-deferred, and policy loans are typically not considered taxable income.

4. Asset protection: The cash value in a whole life insurance policy is generally protected from creditors, providing an additional layer of financial security.

5. Guaranteed growth: Unlike traditional investments, whole life insurance policies offer guaranteed cash value growth, regardless of market conditions.

How to Harness the Power of the Infinite banking System

To get started with the infinite banking system, follow these steps:

1. Consult with a knowledgeable insurance agent: It’s essential to work with an agent who understands the infinite banking concept and can guide you through the process.

2. Choose the right policy: Not all whole life insurance policies are created equal. Work with your agent to find a policy with strong cash value growth and a consistent dividend-paying history.

3. Fund your policy: Make consistent premium payments to build your policy’s cash value.

4. Borrow strategically: Use policy loans to finance major purchases, investments, or emergencies, and pay back the loans on your terms.

5. Monitor your progress: Regularly review your policy’s performance and adjust your strategy as needed to maximize your infinite banking system’s potential.


By harnessing the power of the infinite banking system, you can take control of your finances, grow your assets, and achieve financial freedom. By working with an experienced insurance agent and strategically utilizing policy loans, you can create a powerful private banking system that will serve you well for years to come.

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