There are a number of pros and cons associated with Infinite Banking.
Pros of Infinite Banking | Cons of Infinite Banking |
Ability to have your “own bank” and lend money from it without paying interest to the 3rd party lenders. | Costs of a whole life insurance policy. |
No need to go through a long lending process if you need a loan. | Not a good choice for those looking for short-term results as it takes years to accumulate a meaningful cash value to borrow against. |
Ability to grow the cash value of a policy even faster with a participating whole life insurance policy that pays benefits. | Not a good choice for people who can not easily get access to a whole life insurance policy (e.g. due to health pre-conditions). |
Ability to select unstructured payment instead of a predefined payment plan. | You need to have a very solid understanding of the infinite banking concept since there is a chance, because it is along-term strategy, that an advisor who set it up for you will not be there after several years. |
Ability to transfer wealth across generations via the use of a participating whole life insurance. | The interest on a policy loan is typically more than the earnings. Remember that loans range from 8%-10% with returns ranging from 4%-6%. Each loan affects future earning potential. |
Ability to benefit from an array of financial benefits e.g. lower interest rates, lack of market volatility, lack of penalty or late payment fees, etc. | Any policy loan in excess of the adjusted cost basis of the life insurance policy will be 100% taxable to the individual. |
Pros of Infinite Banking:
Cons of infinite banking:
Explore the realm of Infinite Banking with both its alluring advantages and important considerations to make the best financial decisions for your future.
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In the nature of transparency and authenticity, we do make a special offer at the end only if you’d like help actually implementing these Infinite Banking strategies. Is it required? Absolutely not. Will you receive value & insight even if you don’t want to speak together? 100% yes. Some people will take this training, implement it by themselves, and see breakthrough. Some people will see what’s possible, and know that working together is just what they need to get results even faster. It’s completely up to you but we hope that you’ll at least participate in the free training, use it, and let us know what you think!
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DISCLAIMER: The sales figures and results discussed in our trainings are our personal results and in some cases the sales figures and results of previous or existing clients. Please understand these results are not typical. We’re not implying you’ll duplicate them (or do anything for that matter). The average person who watches “how to” information webinars get little to no results. We’re using these references for example purposes only. Your results will vary and depend on many factors including but not limited to your background, experience, and work ethic. All business entails risk as well as massive and consistent effort and action. If you’re not willing to accept that, please DO NOT ATTEND THIS TRAINING.
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