How It Works

BE IN CHARGE OF YOUR OWN MONEY

What If You Were Your Own Bank?

The Infinite Banking Concept (IBC) uses a high-value whole life insurance policy as a financing tool. Instead of turning to banks for loans, you can create your own bank by using dividend-paying, permanent life insurance for your loan and cash flow needs.  Created by our mentor R. Nelson Nash, the principles of infinite banking are built on the philosophy of sound financial decisions, personal responsibility, and living within your means to safely and securely grow lasting wealth. We work only with the most established and reputable insurance providers who have a decades-long track record of going above and beyond serving their customers. With infinite banking, you’re in charge of your own money.

  • We begin with a free consultation where you’ll meet with our team of experts to explore your financial independence options.
  • We will walk you through the process of using your whole life policy to provide for your financing and cash flow needs. 
  • We help increase the efficicency of your personal economy by helping you avoid both hidden financial fees and lost opportunity costs of using and deploying your own cash.

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Reaching financial independence is simple. It’s part of why we believe in teaching and sharing the knowledge we’ve gained with our clients. A properly structured banking policy is the only one that can perform multiple financial functions simultaneously without being weakened, because our accounts are true capital. Empowering people to take control of their finances is our life’s work, and we’re proud to share these life-changing strategies with our clients. Before we meet, prepare to see your finances from a whole new perspective, have an open mind to what’s truly financially possible, and get ready to watch your wealth grow more than you ever imagined.

The Infinite Banking Concept

The Infinite Banking Concept (IBC aka privatized banking) is about saving your money in a smarter more tax efficient manner than using a traditional bank or credit union. IBC allows you to grow your savings in a guaranteed compound interest rate environment. The growth of your money is several points higher than a savings or money market account. The Cash value that builds up in your policy is Liquid. It is ready to be deployed when an opportunity presents itself. An automobile purchase, home renovation projects, College funding, wedding or travel. The list is endless of how you can use your Cash value for major purchases. Your cash value grows in a tax free environment out of the purview of the IRS and creditors.

If someone sues you, they do not know you have money in your policy. It is Private and Protected. Only you and the Insurance company know it exists. Hackers and thieves cannot gain access because only you can authorize a distribution. Best of all, your cash value grows in an uninterrupted compound interest TAX FREE environment.  Lawrence Sin is an Authorized Practitioner of the Infinite Banking Concept through the Nelson Nash Institute.

BENEFITS OF PRIVATIZED BANKING

TAX-Deferred Growth

IRS code 7702 allows for tax-favored treatment for cash value that grows inside a life insurance policy. You are not taxed as it grows each year and you are not taxed when you borrow against it, even if you borrow more than you paid in (as long as the policy remains in force).

TAX-FREE Distributions

Distributions are non-taxable when you stay within Infinite Banking guidelines. In addition, there are no early-withdrawal penalties when you want to access your money. Finally, you are not taxed on your income stream that you set up at retirement.

Impressive Growth

Infinite Banking plans have a GUARANTEED rate of return between 3.25% and 4.0%. In addition, properly structured accounts often pay dividends which compound the cash growth.

High Contribution Limits

Unlike qualified retirement plans, properly structured IBC plans have high contribution limits, giving you more control over how much you want to save and use.

Collateralization

Your life insurance policy is used as collateral for borrowing against the account. This allows you to quickly and conveniently access your money for any use. Furthermore, your account will NOT lose value when the money is accessed.

Non-Depleting Capital

IBC accounts are always making money on your total amount accrued. Even when you use your money, your account is not depleted, but continues to accrue interest on the total. Funds are borrowed AGAINST the account rather than FROM it, meaning your balance does not decrease, even when a loan occurs.

Safe Harbor

All of our plans have a written contractual guarantee that your rate of return will be between 3.25% and 4.0%. You will know exactly the amount of money you will have years in the future. In addition, optional dividends often add extra money on top of the guaranteed return.

No-Loss Provisions

Our accounts are contractually guaranteed to always grow in value, regardless of what is happening in the market. Properly structured Infinite Banking policies will never lose value and are guaranteed to increase, regardless of the market, the economy, or government policy.

Guaranteed Loan Option

As a client with Wellington Capital Reserve, you have guaranteed access to your money when you need it. By borrowing against your own account, you never have to go through a loan application process to obtain cash. Traditional impediments such as credit score, debt-to-income ratio, and proof of current employment/income are not needed to receive a loan. You are in charge and you decide.

Unstructured Loan Payments

When you take out a loan from a traditional bank, you’re expected to repay your loan in rigidly structured installments. With privatized banking, you can eliminate those unhelpful structures and repay your loan at the pace that makes sense to you.

Liquidity, Use and Control

Infinite banking policies are immediately LIQUID – you always have fast access to your cash. Because you are always making money on the total amount, you have USE of your money without depleting your capital. You can have your savings and use it, too! You keep CONTROL of your own personal economy. You have access to your money and it is always there, always growing, regardless of market changes, interest rates, stock prices, or other changing conditions.

Living Benefits

A cost-free benefit, Living Benefits allow you, under certain conditions, to access the death benefit as a living benefit. This means you can directly control how the money is spent if you are diagnosed with a terminal illness, chronic illness, or critical injury.

LEARN AS YOU GROW

Our goal is to make your future more successful,
no matter your experience level.