Building The Financial Foundation: Part I


There are many reasons to get excited about purchasing your first Specially Designed, Dividend Paying, Whole Life Insurance Policy for Infinite Banking purposes. In the blog Getting Started With Infinite Banking, I covered the basic benefits of the death benefit, cash values and policy loans, and taxes.

As a millennial myself working mostly with millennials, however, I understand this information can be hard to relate to. If you’re reading this blog, it’s likely you’ve done some research into different financial tools so you can have more control over your finances and ultimately have more time for the things you value most in life – and yet you’re still looking!

That is why, attempting to turn life insurance from a need product to a want product, I will explain how this specific financial strategy works beginning with my own personal values and experiences.

I believe Infinite Banking is more than just technical knowledge and results, which can be difficult to get through even if you have a master’s degree in finance. I believe Infinite Banking is first and foremost about the “soft reasons” that are hard to see and even harder to measure financially speaking.

My hope is that through this educational process, you will come to know the same peace, clarity, and stability that I have experienced in my own financial plan and life.

When I took out my first Infinite Banking policy in 2016, I used to just think it was a smart thing to do. It made sense to get life insurance in place for financial protection purposes and, having the ability to use the cash values to run my business expenses through, why wouldn’t I?

It wasn’t until a few years in however, with approximately 8 policy loans on the books, that I could articulate exactly why this made so much sense to me…


Looking for a safe place to put your money? There’s no better place to build wealth WITHOUT risk than in an Infinite Banking policy. Learn more here.


Infinite Banking is Peace


Having an Infinite Banking Policy is about having life insurance, and life insurance is all about financial stewardship. I know in the back of my mind there is ALWAYS going to be an asset in my name that will provide financially for my family when I die.

As soon as the policy is delivered to you, you’ve immediately received confirmation that any debt you may have will be paid off when you die. You’ve received confirmation of the financial legacy you may leave to your spouse, kids, grandkids, brothers, sisters, mother, or father. You’ve also received confirmation of the amount of cash values you may have access to throughout your lifetime.

With an Infinite Banking Policy, you can:


  • Achieve financial freedom
  • Die without debt
  • Leave a legacy


These three reasons alone give me a great amount of peace.

For me, life insurance is the answer to the “what if” scenarios that we don’t always realize is running through our minds: “What if I die tomorrow?” “What if my investments don’t succeed as planned and I can’t self-insure?”What if something happens to my financial security and I can’t afford my current standard of living?”

With a profound sense of peace from having life insurance in place, I can relax and enjoy my time spent with family and friends.


Can You Relate?

  1. Make a list of the worries that keep you up at night. How can having whole life insurance help you?


Building The Financial Foundation


Seeing the results of my first Infinite Banking Policy over these past few years has been a game changer for me in becoming more vocal about Infinite Banking.

Since 2016, my guaranteed death benefit has increased from $106,857 to $148,473 at the time of this writing in 2019. I think about how the additional $41,616 of paid up insurance will make a difference for my loved ones one day.

Then I think about how if I had purchased a regular dividend-paying, whole life insurance policy, not a specially designed, dividend-paying whole life insurance policy, I would currently have access to exactly $0 worth of cash values but, instead, there is $4653.92 worth of cash values in my policy and I have access to using 90% of it.

The cost of this plan is $291.90 in premiums every month. Having peace, clarity, and stability in my life, however, is priceless.

With an Infinite Banking Policy, you can:


  • Build wealth successfully, safely, and consistently
  • Build a wealth that’s designed to last for generations
  • Overcome a mountain of debt in Canada


So be kind. Do something nice for your family, business or charity and get the life insurance coverage you need for financial protection purposes and you too can benefit.


All the best in your financial journey,


Ashley Lalonde



The Wise Banker is devoted to bringing awareness and understanding to Infinite Banking and helping you unlock your financial potential.

© 2020 The Wise Banker. All rights reserved.


The Wise Banker is devoted to bringing awareness and understanding to Infinite Banking and helping you unlock your financial potential.

© 2020 The Wise Banker. All rights reserved.