Frequently Asked Questions

An IUL is a type of permanent life insurance that allows you to grow cash value based on the performance of a market index, like the S&P 500, without exposing your money to market losses. It also provides a tax-free death benefit and can be structured to provide tax-free income in retirement.

No. With an IUL, your cash value is protected by a 0% floor, meaning you won’t lose money when the market declines. You’ll still earn interest during positive years, and you never lose your principal due to market downturns.

The Infinite Banking Concept is a strategy that uses a high-cash-value whole life insurance policy to create your own personal “bank.” It allows you to borrow against your policy’s cash value, giving you control over your money while it continues to grow.

When you borrow from your IBC or IUL policy, you're borrowing against your cash value, not from it. That means your money continues to grow as if it were never touched. You repay the loan on your own terms, giving you full control.

These are ideal for:

•Business owners

•Mid to High-income earners

•Families looking for tax-free retirement solutions

•Anyone who wants liquidity, control, and long-term financial security

No — this is a wealth-building strategy that uses life insurance as a financial tool for tax advantages. You're not just buying coverage — you’re creating a system to grow your money, protect your family, and access capital anytime.

This strategy has been used for hundreds of years, popularized by the Rockefeller's, to safely build and store wealth by families, entrepreneurs, and even banks and corporations. When structured properly, it allows your money to grow tax-deferred, be accessed tax-free, and continue compounding even when borrowed against — all while providing a guaranteed death benefit.

Since this is a life insurance vehicle— which is what provides the unique tax advantages— approval is based on basic health underwriting, but many people are surprised to find they do qualify, even with minor health conditions.

The best way to see if you qualify is to schedule a quick strategy call. We'll walk through your financial goals, budget, and current health status to see if an IUL or IBC plan is a good fit for you.There's no obligation, and the first step is simply a conversation to explore your options.

Click “Book a Consultation” to get started