OWN YOUR CAPITAL WITH
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.

GET COVERED

Protect your and your family 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.

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.

GET COVERED

Protect your and your family 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.

FREQUENTLY ASKED QUESTIONS

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.

BOOK YOUR CONSULT. IT'S SIMPLE. IT'S FREE.

We can't wait to get to know you better and walk along side you as you take each step towards building a wealth that's designed to last for generations.


By submitting this form, you are consenting to receive marketing emails from: The Wise Banker, 301 1615 10 Ave SW, Calgary, AB, T3C 0J7, http://www.thewisebanker.com. You can revoke your consent to receive emails at any time by using the SafeUnsubscribe® link, found at the bottom of every email. Emails are serviced by Constant Contact
  • 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.