How It Works


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.

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.


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.
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.
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.
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.
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.
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.
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.
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.
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.


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