Bonus · 3 min read · Updated November 2026
Bonus: Infinite Banking and Accredited Investor Banking
Short answer: Infinite banking uses a specially designed whole life policy so its cash value grows while you borrow against it to invest, aiming to earn on the same dollar twice.
Key takeaways
- Policy design matters: low commissions and high early cash value.
- Policy loans can fund investments without selling other assets.
- Loans and withdrawals have tax rules; a policy that becomes a modified endowment contract loses some benefits.
- It is a long-term tool, not a short-term trade.
In this 54-minute webinar, you’ll learn how to:
- Double Dip Your Money: Earn a return through cash value growth in your policy and through alternative investments—simultaneously.
- Escape Traditional Banking: Replace banks, avoid inflation erosion, and leverage tax-free loans for strategic investments or personal needs.
- Build Legacy Wealth: Discover how this tool is used by top investors and family offices for tax-advantaged growth and generational wealth planning.
Note: this is a hour long webinar to start you into the larger curriculum of Infinite Banking and Accredited Investor Banking (TM). Access the Banking Masterclass here.
Book your complimentary IBC/AIB Banking call here to start designing your policy!
For any questions, please send an email to bank@thewealthelevator.com
From my own investing
Why do affluent people own whole life?
I used to hear that whole life insurance is a scam, and you should buy term and invest the difference. When I started meeting accredited investors, I wondered why so many affluent people had large whole life policies. What I'd missed was how the policies were set up. The way I've used it is to take loans from my own policy to invest during my growth years.
Related reading from the blog
Talk it through with us
Infinite banking makes more sense after hearing how other investors use their policies.
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The podcast behind this course
The Wealth Elevator Podcast
Weekly conversations on passive real estate, alternative investments and tax strategy for busy professionals.
Listen on Apple PodcastsWatch on YouTubeThis is educational content, not tax or legal advice. Please let us know if you need a referral to 💼 CPA ⚖️ Lawyer or other vendor here.
This content is provided for informational and educational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Read the full disclaimer.