helping millennials build long lasting wealth with Infinite Banking.

insurance strategies to meet your every day financing needs.

get covered

Protect you, your family and your business against financial loss with a specially designed, permanent insurance policy.

access your money

Borrow against your cash values as opportunities and needs dictate when you have this policy in place without losing the compound growth effect.

save on costs

Save money by redirecting interest payments to an asset you own and control and by recovering opportunity costs when spending money.

and more

Enjoy the tax-advantaged growth of your money. Growth that is safe, uninterrupted, and locked-in. And repeat.

Creating a Financial Roadmap for 2021

With the new year only two months away, I think it’s safe to say we’re over the physical, emotional, and financial rollercoaster of this past year and it’s never too early to start looking ahead to what’s next. Right now is the perfect time to re-evaluate your financial situation. After all, there’s nothing like a…
Read More

Mutual Funds 101

  Mutual funds are the all-in-one package of the investment world and can hold stocks, bonds, money market instruments, and cash all inside one fund. As an investor, you can purchase units (or shares) of a mutual fund and gain exposure to the underlying investments all in one go, with the number of units you…
Read More

Exchange Traded Funds 101

  Low fees, diversification, and liquidity are just a few of the buzz words that come to mind when describing this relatively new investment vehicle, the Exchange Traded Fund. Being traded on major stock exchanges (where the name Exchange Traded comes from), this fund gives new investment opportunities for both first time investors and professionals…
Read More

Creating a Financial Roadmap for 2021

With the new year only two months away, I think it’s safe to say we’re over the physical, emotional, and financial rollercoaster of this past year and it’s never too early to start looking ahead to what’s next. Right now is the perfect time to re-evaluate your financial situation. After all, there’s nothing like a…
Read More

Mutual Funds 101

  Mutual funds are the all-in-one package of the investment world and can hold stocks, bonds, money market instruments, and cash all inside one fund. As an investor, you can purchase units (or shares) of a mutual fund and gain exposure to the underlying investments all in one go, with the number of units you…
Read More

Exchange Traded Funds 101

  Low fees, diversification, and liquidity are just a few of the buzz words that come to mind when describing this relatively new investment vehicle, the Exchange Traded Fund. Being traded on major stock exchanges (where the name Exchange Traded comes from), this fund gives new investment opportunities for both first time investors and professionals…
Read More

think

We think differently about money and economics. We don't live in the same economic environment our parents grew up in so why are we still planning like it?

teach

We teach about how money always ends up in the banking system and how you can control the system as it relates to your own financing needs.

create

We help you create your own personalized banking system so you can build wealth for safely, successfully, and consistently for generations to come without RISK.

infinite banking for life

We help people understand there's often a combination of risks, taxes, interest payments and/or opportunity costs associated with many financial products and investment strategies out there that limit financial potential. We know how hard it can be when there's financial risk involved and have helped Canadians use Infinite Banking to transfer the risk of these financial unknowns. When you transfer your risk, your money can start working for you to build a wealth designed to last for generations!

WHO IS THIS STRATEGY FOR?

Infinite Banking For Life is for young professionals age 21-40.

If you are a young professional wanting more control of your money, know you should probably get life insurance but haven't looked into it yet or don't have enough, and want to build wealth safely, successfully, and consistently so you can have more time for the things you value most in life, then this strategy is for you!

Over the age of 40? No problem. We can still work with you using the Infinite Banking For Retirement and Estate strategy.

HOW MUCH CAN I PUT INTO MY INFINITE BANKING POLICY?

Our policies are specifically designed to be funded with the maximum deposit amount allowed. Included in this amount is the ongoing basic policy deposit + the deposit for additional, fully paid up mini policies --- these mini policies make it so that both your life insurance and your cash values are always growing.

Every year (once declared), your policy earns a dividend that is used to buy more of these additional, fully paid up mini policies. While your policy payments will end after 20 years, your dividends will continue buying more of these mini-policies.

How much you can put into your Infinite Banking policy is based on your unique lifestyle and finances at the time. We'll work with you to determine your maximum deposit in the Discovery process!

WHAT ARE THE BENEFITS OF INFINITE BANKING FOR LIFE?

Guaranteed Death Benefit

Infinite Banking uses dividend-paying whole life insurance as it's foundation so by using this strategy you'll automatically have the life insurance you need in place.

Guaranteed Cash Values

Whole life insurance comes with cash values that are guaranteed to be equal to the amount of your death benefit at the time you are 100 years of age. With the mini-policies being added on every year, both the death benefit and cash values continue to grow above and beyond your basic policy.

Non-Guaranteed Dividends

Every year (once declared), your policy earns a dividend that is used to buy more of these additional, fully paid up mini policies. While your policy payments will end after 20 years, your dividends will continue buying more of these mini-policies.

Liquidity

The best part about owning an Infinite Banking policy, is you are also part owner of the insurance company. You can choose to borrow against 90% of your cash values at any time, while the guaranteed growth inside your policy still applies.

Tax-Advantages

Par whole life insurance is not an investment. It is an alternative asset class. The cash values grow tax-deferred and the death benefit is paid out tax-free.  

Creditor Protection

Always prepared for the unexpected, life insurance is also a creditor protected vehicle. 

HOW DO I TAKE OUT A POLICY LOAN?

  1. Fill out your policy loan request form (this is not an application!)
  2. Your loan will be paid within 30 business days of processing your request (though it's typically more like 5 business days)
  3. Your loan will be paid by cheque or to the PAD on your account when requested
  4. Loan payments will need to be made to keep the Infinite Banking strategy in tact but in this case, you are both the borrower and the banker.

As the banker, any interest payments made will be redirected back in your policy.

WHO IS THIS STRATEGY FOR?

Infinite Banking For Kids is for parents and grandparents of kids age 0-21.

If you are a parent or grandparent of a child and want to set them up financially for their future, whether that's financing vehicles, education, business start-up costs, weddings, vacations and more, then this strategy is for you!

HOW MUCH CAN I PUT INTO MY INFINITE BANKING POLICY?

Our policies are specifically designed to be funded with the maximum deposit amount allowed. Included in this amount is the ongoing basic policy deposit + the deposit for additional, fully paid up mini policies --- these mini policies make it so that both your life insurance and your cash values are always growing.

Every year (once declared), your policy earns a dividend that is used to buy more of these additional, fully paid up mini policies. While your policy payments will end after 20 years, your dividends will continue buying more of these mini-policies.

How much you can put into your Infinite Banking policy is based on your unique lifestyle and finances at the time. We'll work with you to determine your maximum deposit in the Discovery process!

WHAT ARE THE BENEFITS OF INFINITE BANKING FOR KIDS?

Guaranteed Death Benefit

Life insurance will never be cheaper than it is today. By giving the gift of an Infinite Banking policy, you'll be giving your kid or grandkid a lifetime of insurance at the lowest rates possible. This gift becomes priceless if there is ever health issues later on.

Guaranteed Cash Values

The advantage of Infinite Banking For Kids compared to any of our other strategies, is the time horizon we're dealing with. By getting your (grand)son or (grand)daughter insured at a young age, you'll have that much extra time to see your cash values grow.

Non-Guaranteed Dividends

Every year (once declared), your policy earns a dividend that is used to buy more of these additional, fully paid up mini policies. While your policy payments will end after 20 years, your dividends will continue buying more of these mini-policies.

Liquidity

The best part about owning an Infinite Banking policy, is you are also part owner of the insurance company. You can choose to borrow against 90% of your cash values at any time, while the guaranteed growth inside your policy still applies. 

As a parent or grandparent, you will officially become the "bank of mom and dad."

Tax-Advantages

Par whole life insurance is not an investment. It is an alternative asset class. The cash values grow tax-deferred and the death benefit is paid out tax-free.  

Creditor Protection

Always prepared for the unexpected, life insurance is also a creditor protected vehicle. 

Wealth Transfer

Transfer ownership of your Infinite Banking policy to your (grand)kid when they turn 21. At this point, the policy will be fully paid up and they can continue using it as desired for banking purposes independently from you. 

HOW DO I TAKE OUT A POLICY LOAN?

Infinite Banking

  1. Fill out your policy loan request form (this is not an application!)
  2. Your loan will be paid within 30 business days of processing your request (though it's typically more like 5 business days)
  3. Your loan will be paid by cheque or to the PAD on your account when requested
  4. Loan payments will need to be made to keep the Infinite Banking strategy in tact but in this case, you are both the borrower and the banker.

Financial Education

When your kids are older and are ready to borrow from the bank, you can help teach them the importance of keeping money in their control and making money work for them by acting as their banker:

  • Have your (grand)kid fill out a loan application forms 
  • Application forms will be "approved" by you
  • Set up a contract for repayments to be made with interest

As the banker, any interest payments made will be redirected back in your policy.

infinite banking for kids

Give the gift that keeps on giving! Where some financial products are single purpose planning tools, Infinite Banking is a multipurpose planning tool that can be used for financing vehicles, education, business start-up costs, weddings, vacations, and more. Designed to stand the test of time, when all is said and done it can still be passed along to the next generation on a tax-free basis.

infinite banking for business

Permanent life insurance is seen as a passive investment inside the corporation that can help protect your business, your retirement, and your estate. When you work with us we'll take you through the 4 conversations every business owner needs to have. Let us show you the advantages our corporate insurance strategies have to offer you as a business owner!

WHO IS THIS STRATEGY FOR?

Infinite Banking For Business is for the entrepreneur. 

If you are the owner or majority shareholder of a Canadian corporation, have been in business for over 5 years, and are ready for the following 4 conversations, then this strategy is for you!

Who really owns my business?

Discussing having proper corporate structure in place and the financial value of protecting your insurance and other assets.

What happens to my company when I sell it pass it down, or pass away?

Discussing different scenarios and effective solutions to include in your unanimous shareholders agreement and buy/sell agreement.

How can having corporate life insurance benefit me? 

Discussing corporate life insurance (including key person, buy/sell, and estate and retirement insurance), the capital dividend account, and Infinite Banking.

When all is said and done, what do I get?

Discussing Infinite Banking (including front-end and back-end leveraging strategies), corporate retirement, estate, and post-mortem planning.

HOW MUCH CAN I PUT INTO MY INFINITE BANKING POLICY?

Our policies are specifically designed to be funded with the maximum deposit amount allowed. Included in this amount is the ongoing basic policy deposit + the deposit for additional, fully paid up mini policies --- these mini policies make it so that both your life insurance and your cash values are always growing.

Every year (once declared), your policy earns a dividend that is used to buy more of these additional, fully paid up mini policies. While your policy payments will end after 20 years, your dividends will continue buying more of these mini-policies.

We'll work with you to determine your maximum deposit in the Discovery process!

WHAT ARE THE BENEFITS OF INFINITE BANKING FOR BUSINESS?

Guaranteed Death Benefit

Infinite Banking uses dividend-paying whole life insurance as it's foundation so by using this strategy you'll automatically have the life insurance you need in place for key-man insurance, buy/sell insurance, and estate and retirement insurance. 

Guaranteed Cash Values

Whole life insurance comes with cash values that are guaranteed to be equal to the amount of your death benefit at the time you are 100 years of age. With the mini-policies being added on every year, both the death benefit and cash values continue to grow above and beyond your basic policy.

Non-Guaranteed Dividends

Every year (once declared), your policy earns a dividend that is used to buy more of these additional, fully paid up mini policies. While your policy payments will end after 20 years, your dividends will continue buying more of these mini-policies.

Liquidity

The best part about owning an Infinite Banking policy, is you are also part owner of the insurance company. You can choose to borrow against 90% of your cash values at any time, while the guaranteed growth inside your policy still applies. 

Just like any other loan for business or investment purposes, any interest payments will be tax deductible. 

HOW DO I TAKE OUT A POLICY LOAN?

Infinite Banking

  1. Fill out your policy loan request form (this is not an application!)
  2. Your loan will be paid within 30 business days of processing your request (though it's typically more like 5 business days)
  3. Your loan will be paid by cheque or to the PAD on your account when requested
  4. Loan payments will need to be made to keep the Infinite Banking strategy in tact but in this case, you are both the borrower and the banker.

As the banker, any interest payments made will be redirected back in your policy.

book a 30 minute discovery call to get started

stay connected

Subscribe to your favourite accounts for the latest financial content, tips, and tutorials.

© 2020 The Wise Banker. All rights reserved.