REDISCOVER

THE POWER OF DIVIDEND-PAYING, WHOLE LIFE INSURANCE
WITH INFINITE BANKING

If you're wanting more than the same old financial plan and products then these learning tools are for you! We recognize that it isn't enough for a financial advisor to only facilitate a financial plan and products. In order to make the most of their finances, people need to take control of both their learning and the process in which they use their money too. 

REDESIGN

Redesign the flow of money so you can earn uninterrupted compound growth while using your money at the same time.

REDIRECT

Redirect interest that you are otherwise paying to banks or other financial institutions to an asset you own and control.

RECOVER

Recover the opportunity costs when spending money and enjoy the benefits of having a tax-advantaged cashflow system in place.

ONLINE COURSE

DISCOVER INFINITE BANKING

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.

WHAT IS INFINITE BANKING?

Infinite Banking is a personalized banking system that uses a Specially Designed, Dividend Paying, Whole Life Insurance Policy as it's financial foundation to protect, use, and grow your money. By financing a lifetime of purchases through this policy, you can redirect interest costs back into an asset you own and control while recovering the opportunity costs when spending money.

FREE PDF DOWNLOAD

INFINITE BANKING EXPLAINED

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.

WISE WORDS

Feel a sense of peace knowing you can achieve your financial freedom, die without debt, and leave a financial legacy, that isn't found elsewhere. 

YOUTUBE

Devoted to bringing awareness and understanding to Infinite Banking and helping you unlock your financial potential.

FINANCIAL PRODUCTS

Learn all you need to know about the different financial products available in Canada today. 

FINANCIAL STRATEGIES

Learn how the different financial products all come together inside these financial strategies.

ECONOMIC
THEORY

Learn how the economic theories can impact the fiscal and monetary polices of today.

INFINITE BANKING STRATEGIES

Inspiring you to build strong financial foundations one Infinite Banking policy at a time.

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!

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.

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.

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.

Policies are recommended to start at no less than $2,400 per year, however, how much you can put into your Infinite Banking policy is up to you!

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."

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.

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.

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!

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.

REDESIGN

Redesign the flow of money so you can earn uninterrupted compound growth while using your money at the same time.

REDIRECT

Redirect interest that you are otherwise paying to banks or other financial institutions to an asset you own and control.

RECOVER

Recover the opportunity costs when spending money and enjoy the benefits of having a tax-advantaged cashflow system in place.

ONLINE COURSE

DISCOVER INFINITE BANKING

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.

WHAT IS INFINITE BANKING?

Infinite Banking is a personalized banking system that uses a Specially Designed, Dividend Paying, Whole Life Insurance Policy as it's financial foundation to protect, use, and grow your money. By financing a lifetime of purchases through this policy, you can redirect interest costs back into an asset you own and control while saving the opportunity costs when spending money.

FREE PDF DOWNLOAD

INFINITE BANKING EXPLAINED

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.

WISE WORDS

Feel a sense of peace knowing you can achieve your financial freedom, die without debt, and leave a financial legacy, that isn't found elsewhere. 

YOUTUBE

Devoted to bringing awareness and understanding to Infinite Banking and helping you unlock your financial potential.

FINANCIAL PRODUCTS

Learn all you need to know about the different financial products available in Canada today. 

FINANCIAL STRATEGIES

Learn how the different financial products all come together inside these financial strategies.

ECONOMIC
THEORY

Learn how the economic theories can impact the fiscal and monetary polices of today.

INFINITE BANKING STRATEGIES

Inspiring you to build strong financial foundations one Infinite Banking policy at a time.

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!

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.

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.

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.

Policies are recommended to start at no less than $2,400 per year, however, how much you can put into your Infinite Banking policy is up to you!

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."

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.

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.

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!

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.

  • 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.