Infinite Banking · Visualized
A spreadsheet holds last month’s numbers. It doesn’t know what you’ve earmarked, that your premium is due, that interest capitalizes at the anniversary, or that PUA room is about to lapse. This does.
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Cash value, loans outstanding, and what you can still borrow — across every policy and every insurance company.
Zero-based budgeting for what you can borrow: every dollar of available loan amount is assigned to a category — vehicle, real estate, college, reserves — or it sits there marked unassigned until you deal with it. A category draws on every policy you link to it, so a goal isn’t tied to whichever policy happens to hold enough, and a new policy’s capacity flows into the categories you already have. The money is earmarked, not withdrawn: it stays in the policy and keeps earning. What you repay is borrowable again.
The classic Becoming Your Own Banker car purchase example, built in — and not just the car. Tuition, property taxes, registrations, maintenance, the annual premium itself: fund the category, borrow against it when the bill lands, put the redirected PUA toward the payments, and the category refills as the loan clears.
Be deliberate about repayment — or not: schedule it, interest-only, or hold until you’re ready. Category-aware when it matters, with balances, payments, draws, and snowball pooling in one place instead of a spreadsheet you stopped updating.
Interest that would capitalize, PUA room about to expire, riders and payments — you don’t keep a mental calendar. When something needs attention, it shows up:
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Pricing
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FAQ
The usual line is “buy term and invest the difference” — term costs less, so more is left to invest. Independent work (including Ernst & Young Monte Carlo modeling) has challenged that over long horizons: permanent life can beat fixed income, term premiums drag a portfolio, and policy loans avoid forced sales in a downturn.
IBC doesn’t treat whole life as the investment. It’s savings plus a banking system. The question is who controls your capital. A policy loan uses cash value as collateral — it isn’t a withdrawal — so the balance keeps earning while you deploy the money elsewhere. Interest that would have gone to a bank stays in your system.
An IBC-designed policy (with Paid-Up Addition riders) also isn’t the plain whole life that critique usually targets: more early cash value, more accessible capital. Most practitioners still invest outside the policy; they finance those moves through the policy first so the same dollar works in two places.
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