LEARN HOW YOU CAN USE LIFE INSURANCE TO FINANCE YOUR BUSINESS WITH INFINITE BANKING FOR BUSINESS

LEARN HOW YOU CAN USE LIFE INSURANCE TO FINANCE YOUR BUSINESS WITH 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!

GET COVERED

Protect your business against financial loss with a Specially Designed, Dividend-Paying, Whole Life 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 recovering opportunity costs when you spend money and by redirecting interest payments to an asset you own and control.

AND MORE

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

GET COVERED

Protect your business against financial loss with a Specially Designed, Dividend-Paying, Whole Life 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 recovering opportunity costs when you spend money and by redirecting interest payments to an asset you own and control.

AND MORE

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

"Infinite Banking is a matter of changing over who we are paying interest to – the bank, or ourselves. Once this thought process has begun, there will be more time to focus on strategy, growth, new people, and new business."

Ashley Lalonde

FOUNDER, THE WISE BANKER

FREQUENTLY ASKED QUESTIONS

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.

OUR SERVICES

LEARN ONLINE

Here we teach the fundamentals of all things Infinite Banking and how a well designed, dividend-paying, whole life insurance policy can work for you and your business.

WORK WITH US

We offer a lifetime of financial coaching for businesses who want to implement Infinite Banking into their financial plan. Coaching services include ongoing strategy and implementation sessions.

INFINITE BANKING

We are currently developing a platform with intuitive lending and borrowing interfaces that will allow people to come together and practice 100% reserve, non-inflationary, loan banking using their Infinite Banking policy. 

OUR SERVICES

LEARN ONLINE

Here we teach the fundamentals of all things Infinite Banking and how a well designed, dividend-paying, whole life insurance policy can work for you and your business.

WORK WITH US

We offer a lifetime of financial coaching for businesses who want to implement Infinite Banking into their financial plan. Coaching services include ongoing strategy and implementation sessions.

INFINITE BANKING

We are currently developing a platform with intuitive lending and borrowing interfaces that will allow people to come together and practice 100% reserve, non-inflationary, loan banking using their Infinite Banking policy. 

READY TO OWN YOUR CAPITAL?

Book your 30 minute intro call and discover how Infinite Banking can work for you.

  • EMAIL US

    info@thewisebanker.com

DEVELOPING FINANCIAL INTELLIGENCE

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.
  • EMAIL US

    info@thewisebanker.com

DEVELOPING FINANCIAL INTELLIGENCE

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.