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Learn how to leverage your own bank to access the capital you need for your new car.
• Get answers to your questions – big or small.
• Find out exactly what you need.
• Come up with a strategy that evolves as your life does.
SCHEDULE YOUR FREE CONSULTATION
Our financial professionals are available to meet with you virtually from the comfort of your own home, helping you understand different options to meet your unique needs.
LEARN MORE ABOUT THE BEST WAY TO BUY A CAR
Drive the Flow of Money from the Banks to Yourself
Ready to take control of your financial future and save interest on your next car purchase?
Imagine financing your vehicle while keeping more money in your pocket, accessing funds with ease, and enjoying the freedom to manage your payments on your terms. Whether you're buying your next family van, or upgrading to your dream car - our strategy puts you in the driver's seat. This approach is designed to empower you with smarter, more flexible options that go beyond traditional car loans.
✓ Save on Interest – Keep the majority of it in Your Pocket:
When it comes to car loans, interest is everything. While many focus on the APR (Annual Percentage Rate), the actual volume of interest paid can be a real eye-opener. For instance, a $50,000 car loan at a moderate APR could end up costing you $10,000 in interest alone. That's $10,000 that could have stayed in your pocket, supporting other financial goals.
✓ Leverage Access to Your Funds:
Traditional car loans often come with a laundry list of requirements—applications, credit checks, proof of income, and sometimes even a personal guarantee. These steps can be time-consuming and stressful, delaying your loan approval. Our strategy offers a refreshing alternative: hassle-free access to your money. With no credit checks, no invasive paperwork, and no delays, you can be funded in as little as three business days.
✓ Total Control and Flexibility Over Your Finances:
Traditional car loans are rigid, with strict repayment schedules that leave little room for life's unexpected turns. Miss a payment, and you risk repossession or a hit to your credit score. Utilizing the Infinite Banking Concept®, you’re in the driver’s seat. You are the lender, the borrower, and the bank owner, all in one. This means you can skip payments if needed, prioritize other financial obligations, or even take a break from repayments—without any penalties.
No one will come after your car, and no negative reports will be made to credit agencies. This level of flexibility is more than just a convenience—it’s financial freedom, allowing you to manage your money on your terms.
Together, we can set the stage for long-term growth and prosperity.
"Josh, Akiva, and their team are very knowledgeable with years of experience. We are very satisfied with the service we recently received. We continue to call on Josh as needs arise."
Craig G. ~ Florida, U.S.A.
HOW DOES THIS WORK
Frequently Asked Questions
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Is this a good investment?Infinite Banking is using dividend paying cash value life insurance to build a source of capital. It’s legally not an investment. That being said – it is like building a banking business that when utilized properly for financing anything you’d finance with someone else’s bank (cars, credit cards, mortgage…) will lead to significant return on the premium dollars you pay into the policy.
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How soon can I take a loan?Depending on the life insurance company—as soon as your initial premium payment clears.
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Are mutual insurance companies better than stock companies?For the purpose of Infinite Banking, longevity and guarantees are important. We only deal with mutual insurance companies that have A-ratings and have paid dividends annually for over one hundred years.
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Can I use Indexed Universal Life for Infinite Banking?While Indexed Universal Life promises a higher average annual interest earning rate than Whole Life, the consistency of Whole Life is what makes it ideal for Infinite Banking. Ultimately, HOW you utilize your “bank” is more important than ANY rate of return. The interest Americans pay to other banks is the most important factor. In Nelson Nash’s words, “Stop doing business with banks.”
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What is a MEC limit?MEC is an acronym for Modified Endowment Contract, a tax status that the IRS places on life insurance policies that have “too much” cash value and not enough death benefit, ie, they’re functioning like an investment account and not traditional life insurance. While it warrants a deeper discussion and understanding, our professionals design Infinite Banking life insurance policies that avoid this IRS designation.
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If this is so great, why doesn’t everyone do it?In his book Becoming Your Own Banker, Nelson Nash references human attributes. If we distill what makes IBC successful, it’s patience and discipline. Because there is a lag time between paying your first policy premium and having access to every dollar you’ve paid into your policy (as cash value,) most people dismiss the concept and can’t see how in 5 or 10 years down the road, every dollar they put in is recovered—and growing with uninterrupted compound interest, tax deferred (with tax-free access) for life. IBC is not a quick fix or fast-money scheme.
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Is The Infinite Banking Concept® (IBC) guaranteed?There is a contractually-guaranteed cash value and death benefit built in to every life insurance policy. It is our opinion that the guarantee of a century-old financial institution surpasses even government guarantees… like Social Security or the FDIC.
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Why do I need life insurance?Life insurance to us is a sacred responsibility for any breadwinner of a family. It’s a commitment to loved ones that no matter what, they will be taken care of financially. Whether short term for acute expenses like raising small children or mortgage payments, etc, or long term for inheritance and supplemental income, life insurance has been the private solution to mitigating the risk of loss of income.
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Can you help me with a completely revamped budget or financial plan?We certainly can! We know the difficulty and how hard it can seem to take on more financial responsibility. We can help with budgeting and tracking your income, expenses, savings, and debt to align them with best practices completely in your best interests.
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Does my accountant need to report my life insurance on my taxes or otherwise?Life insurance is the quintessential “Libertarian” or “Austrian Economics” service. Private individuals contracting with each other with absolute minimal government interference, fulfilling a spontaneous need of the human experience.
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Can Infinite Banking and Whole Life Insurance tumble in a recession or market correction?No, history has proven that through literal war, famine, crashes, depressions, and recessions, our country’s mutually-owned, dividend-paying life insurance companies have consistently paid dividends to policy owners. They are the definition of conservative planning and their cash reserves are a foundation of our financial system.
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What do I do with my Thrift Savings Plan Fund?Your TSP like any plans should be reviewed to ensure it meets your needs and expectations going forward. What does your new job earn? How many dependents are you responsible for? What big moves or expenses are you saving for or incurring? The questions will determine the amount of planning going forward, including the future status of your TSP.
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Can the insurance company refuse my loan request?No, as long as you have cash value (a focus with Infinite Banking design,) you have the right to take a policy loan. The life insurance company is contractually obligated to give you access to your policy cash value. Compare that to seeking a loan in 2009, for example.
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Can I borrow beyond my policy cash value? (Will the life insurance company extend me credit)Unlike our Federal Reserve system, where banks can lend out more than the value of their deposits, with the Infinite Banking Concept® (IBC), you can only borrow what you’ve “put in.” It’s the Austrian Economic ideal.
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Are life insurance policy loans reported to the IRS or credit agencies?No, life insurance policy loans are NOT reported to the IRS or to credit agencies. We specifically help clients consolidate commercial debt through their policy loan features, instantly improving their income-to-debt ratio and credit score.
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The Infinite Banking Concept® Authorized Practitioner.
THE INFINITE BANKING CONCEPT® financial system and the BECOMING YOUR OWN BANKER® financial program are Registered Trademarks.
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