Building The Financial Foundation: Part II


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 Clarity


There are, of course, many ways to design a life insurance policy, but only one way to design an Infinite Banking Policy – that’s why it’s called a specially designed, dividend paying, whole life insurance policy.

As the owner of an Infinite Banking policy, I’m not worried about what will or will not happen with my money because there’s a minimum guarantee for what I can expect to receive in the future.

During the policy design stage, the expectations – what you’ll receive as a death benefit, your yearly guaranteed growth of cash values, if there will be additional deposits made, how you want your dividends paid, and if there will be any riders added – are clearly laid out before the insurer. If the insurance company agrees to insure you and you accept their offer, the insurer is then bound by a unilateral contract to provide these promises to you – all you must do is pay your premiums.

With an Infinite Banking Policy, you can have:


  • Control of your asset
  • Liquidity of your asset
  • Use of your asset
  • Equity of your asset


These four reasons alone give me a great amount of clarity.

For me, life insurance is the answer to the expectations many of us have for our financial vehicle:  predictable results, no capital loss, guaranteed cash accumulation, guaranteed loan option, collateral opportunity, tax-advantaged growth, and tax-free death benefit.

With a mind clear from financial worries or anxieties, I can relax and enjoy my time spent hiking or climbing in the mountains on the weekend, or while on vacation.


Can You Relate?

  1. Make a list of the expectations you have/want out of your financial vehicle. 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.