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

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

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.

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 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 do 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.

Policies are recommended to start at no less than $3600 per year, however, how much you can put into your Infinite Banking policy is based on your unique lifestyle and financial 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.

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YOUR GUIDE TO INFINITE BANKING

In this guidebook you'll discover how you can use Participating Whole Life Insurance to build a wealth that's designed to last for generations (without risking it all). Includes the 3 discovery questions:

  1. Where are you going?
  2. Who are you bringing?
  3. How are you going to get there?
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INFINITE BANKING EXPLAINED DOWNLOAD

[PDF Download]

You will come away understanding how to create your own banking system where your money works for you so that you can control 100% of your financing needs --- All while achieving financial freedom, dying without debt, and leaving a legacy. Learn how you can:

  • Start your own banking system
  • Borrow from your banking system
  • Repay your banking system with interest
  • Pass your banking system tax-free to to the next generation
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DISCOVER INFINITE BANKING COURSE

[Online Course]

This four-part course is designed to help you develop financial intelligence in a postmodern world and bring the power of Dividend-Paying Whole Life Insurance to life for your family, your community, and your world with Infinite Banking. 

Here's what we'll go through:

  • Module One: Developing Financial Intelligence
  • Module Two: Owning The Banking Process
  • Module Three: Building Wealth For Generations
  • Module Four: Overcoming Debt in Canada
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YOUR MINIMUM FINANCIAL POTENTIAL EXERCISE

Coming soon!

"Infinite Banking is not a one size fits all financial plan and it's important to incorporate other financial products as needed. It is, however, the financial tool every person needs to have in their financial toolkit --- it always has been and it always will be."

Ashley Lalonde

FOUNDER, THE WISE BANKER

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.