The Infinite Banking Concept® is a major paradigm shift for most.  The concept is not complicated, just different from the way the majority think and behave.  In fact, it really is the ultimate in simplicity. 

The core principle that must be understood is that you finance everything you buy - you either pay interest to someone else or you give up interest you could have otherwise earned (also known as opportunity cost). How can you still finance what you need to buy without paying someone else interest or giving up interest you could have earned? 

The answer is simple. You need to create an entity - a plan - that you control and that also makes money on your loans. One option that makes for an ideal plan is life insurance. Because you - not the insurance company - own the policy, you (as the owner) have the ability to borrow against the equity of your policy.   


Through the Infinite Banking Concept (IBC), you will learn how to:

  • Create your own banking system using dividend-paying, permanent life insurance
  • Use available savings and cash flow to build your own “bank"
  • Capitalize and establish your plan
  • Use IBC to finance your automobile purchases and even to finance your home
  • Expand your system to accommodate all income through a system of banks to increase your personal wealth
  • A business can use the concept for equipment financing.


Q.  Is there an “Achilles’ Heel” in this system? 

A.  Since a perfect system does not exist, there are some obstacles in the details of any system. The particulars in this program would be primarily the commitment of a long term discipline to save (vs. a get rich quick  program), the working knowledge of how to apply this system to the  owner’s greatest advantage by following the designated guidelines, the application of the correct insurance contract along with the prescribed  options, riders and ratios, and the belief and understanding that this program works because of fundamental economic principles, U.S. tax laws, and insurance contractual guarantees. 

Q. I’m a businessperson and I want to “Become My Own Banker” so how do I benefit from the Infinite Banking Concept? 

 A.  In any of the different mediums used to demonstrate how to set up the banking process (Book/CD/DVD/Other), they consistently point to how one can use an insurance contract to finance business equipment, accumulate  cash, and even purchase vehicles on a tax-advantaged basis. The key is to create a financing pool. To back that up, consider a few of the book chapter titles such as: “Five Methods Of Financing Automobiles,”  “Equipment Financing,” and “Potential Sources Of Capital”, among others.  Also, consider that business people know that banks can become very  “particular and demanding” in certain economic climates. It is a great satisfaction for a businessperson to know that they have already established “tool  kits.” And, as mentioned earlier, over 300,000 hard  copies of the book have been sold (in the U.S. and eleven other  countries), making it now one of the best-selling non-fiction books on the market. 

Q.  What is the best format to learn and apply these principles? 

A.  Originally, and for several years, this concept could only be gained by attending a live seminar conducted by R. Nelson Nash himself in cities all over the country. That is one of the reasons that this concept has been gaining a ground swell over a longer period of time. Nelson was encouraged about eighteen years ago to write the book “Becoming Your Own Banker” that he refers  to extensively in his seminars. Now published, the book has allowed the learning and application curve to rise sharply.  (Note: we are now  selling the fifth edition of the book, and have sold over 300,000 copies to date.)  But, more recently, the full Five-Part Eight-Hour Seminar has been commercially and professionally produced and is available for IBC Practitioners and clients to own. Consequently, because of the video, the best possible vehicle is now in place to facilitate learning and understanding through the irreplaceable technique of repetition. 

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