What Is the Infinite Banking Concept®?

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The Infinite Banking Concept® (IBC) is a proven financial strategy that uses a specially designed whole life insurance policy as your own personal banking system. Instead of depending on traditional banks for loans or financing, IBC empowers you to:

• Borrow against your own cash value
• Repay yourself—with interest—back into your system
• Keep your money growing uninterrupted
• Build long-term, tax-efficient wealth
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The concept was introduced by R. Nelson Nash, author of Becoming Your Own Banker, who taught that:

“Whoever controls the banking function in their life controls their financial destiny.” 

IBC is not an investment—it is a financial process that gives you full control, steady growth, and generational wealth potential.

Infinite Banking becomes even more powerful when integrated into a complete estate and wealth-preservation framework. That is why every IBC design I create is coordinated with my Legacy Life Planning system, which includes:

• Will & Trust - simple guided facilitation
• Family protection and survivor income planning
• Life insurance-based capital design
• Long-term wealth transfer and trust funding strategies

IBC provides living liquidity and financial control, while Legacy Life Planning ensures that your assets, instructions, and beneficiaries are fully protected and organized. Together, they create a seamless path from life… to legacy.

IBC is ideal for individuals who:

• Prefer stability over market volatility
• Want reliable, uninterrupted cash value growth
• Have consistent cash flow to support a long-term plan
• Want their own financing system for vehicles, equipment, debt consolidation, business expansion, or emergencies
• Desire to build and pass down multigenerational wealth

When implemented correctly, IBC offers:

• Lifetime access to capital
• A private banking system under your control
• Cash value growth regardless of market conditions
• A multigenerational financial asset that integrates with your Will or Trust

IBC must be designed correctly. Most policies are not structured for true banking use. As an Authorized Infinite Banking Practitioner with 25 years helping families and business owners with life insurance and wealth planning, I ensure:

• Proper base-to-PUA balance
• Carrier-appropriate engineering
• Maximum liquidity and long-term efficiency
• Seamless connection with your estate planning structure

“You may discover that Infinite Banking and Legacy Life Planning are not the right fit for you, and that is completely okay. 

My only goal is to help you gain clarity. If at any point you feel this direction does not serve you, just say No—you will never hurt my feelings

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If you do see value, you can tell me what you’d like to do next.”

If you would like to explore IBC or coordinate it with your Legacy Life Planning, I’m here when you are ready.

Dave Hill
Authorized Infinite Banking Practitioner
Phone: 405-669-3544

P.S. If we talk, ask me how to receive a complimentary copy of Nelson Nash’s Becoming Your Own Banker.

     See Dave Hill Authorized Infinite Banking Practitioner Profile