Turn Your Life Insurance Into a Private Banking System
The Infinite Banking Concept allows you to use a specially designed permanent life insurance policy to build your own personal banking system. Instead of relying on traditional lenders, you can grow your money inside your policy and borrow from it to fund major purchases, invest, or manage your cash flow. This strategy gives you control, flexibility, and long-term financial security.
Step 1: Set Up Your Policy
I help you set up a high-cash-value permanent life policy designed for early growth and long-term performance.
Step 2: Build Your Cash Value
Your policy builds cash value through guaranteed interest and annual dividends, with no immediate tax implications.
Step 3: Borrow When You Need Funds
You can access up to 90 percent of your policy’s cash value without credit checks, loan applications, or approval delays.
Step 4: Use the Money Without Losing Growth
Use the borrowed funds for anything you need—business, real estate, education, or emergencies—while your policy continues to grow.
Step 5: Repay Over Time and Leave a Legacy
The loan is repaid from your policy’s death benefit, and any remaining balance goes to your beneficiaries, tax free.
This approach is ideal for:
Business owners and incorporated professionals
High-income earners who have maxed out RRSP and TFSA options
Families seeking long-term wealth building and estate planning
People ready to commit $1,000 or more per month for several years
Tax-efficient growth of your cash value
Access to capital without selling assets or triggering capital gains
Private and flexible borrowing with no credit checks
Creditor protection in many provinces
Insurance protection combined with a lasting legacy for your family
This is a long-term strategy that requires consistent funding
Loan interest accumulates and must be planned for
Canceling the policy early may lead to losses or penalties
Loans must stay below the policy’s adjusted cost base to avoid taxation
Tax laws and lending rules may evolve over time
As an independent advisor, I offer:
Custom policy design using top Canadian insurers
Guidance on building and accessing your cash value
Support with coordinating bank loans if needed
Ongoing reviews to monitor growth and optimize your strategy
A personalized experience focused on your long-term goals
Book a Free Consultation
Let’s explore how you can build your own banking system and unlock long-term financial freedom.
