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The  Infinite Banking Concept©

The Infinite Banking Concept© strategy utilizes private mutual insurance companies and strategically designed insurance policies to maximize cash flow, minimize tax and efficiently grow your wealth.

Guarantees, Advantages and Benefits


Your premiums paid into your plan, annually, never increase. The principal is 100% guaranteed and the cash value has a guaranteed interest rate that it will grow as per contract agreement.  Gains are locked in every year. Your money is safe, growing predictably every year and liquid.


Policy owners are shareholders of a mutual insurance company and can receive additional dividends annually. Dividends are paid based on the company’s performance the previous year. Although dividends are not guaranteed, IBC plans are structured with companies that have paid dividends for over 100 years, consecutively.


You can access your money at any time, immediately without penalties & fees, without the hassle of loan applications & credit checks, and with flexible repayment terms. You borrow from the insurance company’s general account through policy loans while your account keeps growing as if no loan was ever taken.


Insurance contracts are private agreements; policy loans are not reported to credit agencies. Permanent life insurance contracts are protected from liability & lawsuits and offer bankruptcy protection in most states. (Please consult legal counsel on this since protection varies by state.)


Your plan can be structured to provide tax-free growth inside your plan and enjoy tax-free withdrawals.  Dividends are not taxable as they are treated as a return of premium to the policyholder. Unlike Qualified Retirement plans,  there are no age restrictions or penalties on withdrawals. You are in control of your money at all times.


You will be able to pass on a death benefit to loved ones much greater than your equity.  Your death benefit grows along with the cash value of your policy thus leaving a tax-free legacy to your family, heirs, or favorite charity. IBC plans protect the quality of life of your family, your human life value and value to the marketplace.

Get a free, personal, one-on-one, no-obligation 15 minute strategy session. You’ll discover how the Infinite Banking Concept© strategy can work within your current situation to help you become financially free.




Contrarian Ideas & Thoughts on Money


Generate Your Own Income and Manage, Grow, and Protect Your Own Wealth


President and Chief Wealth Strategist, M.C. Laubscher, hosts a weekly podcast, Cashflow Ninja.

The mission of the Cashflow Ninja is to empower and inspire people to discover how to generate their own income and manage, grow and protect their own wealth in the new economy.

M.C Laubscher interviews successful and inspiring guests that share their knowledge, experience, and journey to help guide you to achieve your goals and help you thrive and prosper in the new economy.

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