Understanding Infinite Banking

Start by defining the approach. Then examine its criticisms and the product distinctions that a label can hide.

The named concept and an insurance contract answer different questions. One describes a method; the other establishes premiums, values, benefits, and loan provisions. A credible explanation should connect the two without promising that the same method suits everyone.

Read in this order if you are new: the definition, the criticisms, then the whole-life-versus-IUL comparison. If you arrived with an IUL proposal, start with that comparison and follow the links to guarantees and loan mechanics.