What Is Infinite Banking?

The Infinite Banking Concept (IBC) is the process by which one becomes their own banker, as founded by the late Nelson Nash. In his book Becoming Your Own Banker, Nash explains how a specially designed and engineered whole life insurance policy has all of the key elements for one to perform the banking process.

​

The main purpose of utilizing the banking process with Infinite Banking is to capture all monies (that would traditionally be paid out to third-party lenders throughout one’s lifetime) in the form of interest into your own financial economy. There are near-infinite ways one can utilize this liquid cash value, such as:

​

• Family Banking (one’s own tax-free lending system) to finance large purchases (i.e., a car, home, or anything else) independent from commercial banks and lenders

• Business Financing  

• Asset Acquisition (real estate, tax liens, notes, etc.)

• Emergency Funds

• Retirement Income

​

The implementation is near infinite, limited only by one’s imagination. 

​

“This book is not about … investments of any kind.  It is about how one finances the things of life, which can certainly include investments.  It is not about rates of return.  As time goes by interest rates are up and interest rates are down — but the process of banking goes on no matter what is happening.  It is a well-known fact that banks make more money during times of low-interest rates than when rates are high.” 

 - Nelson Nash, Becoming Your Own Banker, pg. 3