Seize the Power of Your Own Bank and Achieve Financial Freedom
Leverage your life insurance policy as a personal bank, helping you grow wealth, manage debt, and maintain full control over your finances.
Leverage your life insurance policy as a personal bank, helping you grow wealth, manage debt, and maintain full control over your finances.
Infinite Banking is a wealth-building strategy that leverages a specially designed whole life insurance policy to grow cash value over time. Unlike traditional savings accounts, the cash value in this policy grows tax-deferred, meaning you don’t pay taxes on gains as they accumulate.
Additionally, Infinite Banking allows you to access these funds through policy loans to cover major expenses, like buying a property, funding a business, or paying off high-interest debt—without interrupting the growth of your cash value. By acting as your own “bank,” you maintain control, liquidity, and flexibility over your finances, creating a source of funding that works for both immediate needs and long-term wealth preservation.
Borrow from your policy at any time, without the need to qualify or follow external repayment terms. You act as your bank.
The cash value in your life insurance policy grows tax-deferred, and you can access your funds tax-free. This allows for wealth growth without the tax liabilities often associated with traditional assets.
Use your policy’s cash value to pay off high-interest debt or cover major expenses—all while your policy’s value continues to grow.
Access funds from your policy whenever needed, without restrictions, penalties, or approval processes.
our policy’s cash value grows tax-deferred, maximizing wealth accumulation over time without tax implications.
Borrow against your policy for purchases, or emergencies, and repay yourself, keeping funds within your financial ecosystem.
We assess your income, debts, and financial goals to develop the best approach for your Infinite Banking system.
We design a whole life insurance policy for optimal cash value growth, creating a personal banking system you can borrow from.
We provide continuous support to ensure your policy grows as planned and adapts to your changing needs.
Debt Repayment: Pay off high-interest loans or credit cards using your policy’s cash value, and then pay yourself back.
Emergency Fund: Create a reliable source of emergency funds without tapping into savings or traditional bank loans.
Infinite Banking requires ongoing contributions to the whole life policy to build cash value. We work with you to determine a premium structure that aligns with your budget and financial goals. Request a consultation to discuss your options with us.
While borrowing from your policy generally doesn’t incur traditional fees or penalties, interest is charged, which you repay to the policy. This structure allows the cash value to continue growing.
Generally, borrowing from your policy does not trigger taxes, and growth within the policy is tax-deferred. However, we can advise you on any specific tax considerations based on your unique financial situation. Request a consultation for more details.
The cash value grows through a combination of guaranteed interest and, in some cases, dividends. Growth is influenced by the policy’s structure and the premium amount you pay over time.
Infinite Banking can supplement retirement by offering a source of tax-free income through policy loans. It works well alongside traditional retirement accounts, providing added liquidity and flexibility.
Royal Legacy Creating a financial legacy doesn’t happen by chance. It requires careful planning. At Royal Legacy, we’re here to provide the guidance, expertise, and strategies that will secure your financial future. Contact us today to begin building your legacy.
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