Welcome to a revolutionary approach to managing your finances—the Infinite Banking Concept (IBC). At CreateTailwind, we’ve honed this strategy to not just enhance financial independence but to redefine it. Let’s break down what IBC is, how it works, and why it might just be the best financial move you could make.

What is Infinite Banking?

Infinite Banking revolves around using the cash value of whole life insurance policies as your personal banking system. This isn’t your typical banking talk; this is about taking control, about becoming your own banker. Here’s how it fundamentally shifts your financial paradigm:

• Whole Life Insurance at its Core: Unlike term insurance, whole life policies last your entire lifetime and accumulate a cash value that grows at a guaranteed rate. It’s not subject to the whims of the stock market, making it a bedrock of certainty in your financial landscape. 
• Borrowing Against Yourself: Here’s where it gets interesting. You can borrow against the cash value of your policy for anything from buying a car to investing in real estate, and this money continues to earn interest as if you never touched it. 

The Benefits of Embracing IBC

Why choose IBC? Because it puts you in the driver’s seat. You’re not just saving money; you’re actively leveraging it to work in your favor. Here’s what makes it a game-changer:

• Financial Control: You decide when and how much to borrow, without needing a bank’s approval. 
• Consistent Growth: Your cash value grows each year, unaffected by market volatility. 
• Tax Advantages: The growth of cash value is tax-deferred, and the loans you take out are tax-free. 
• Leaving a Legacy: The death benefit ensures that your loved ones are financially secure. 

Setting Up Your Infinite Banking System

Getting started with IBC doesn’t have to be complicated. Here’s a straightforward way to get your system up and running:

Choosing the Right Policy

The foundation of a successful IBC strategy lies in selecting the right whole life policy.

• Work with Experts: Partner with professionals who specialize in IBC. We at CreateTailwind have been active practitioners and coaches of IBC for decades. We used IBC to create wealth and have helped thousands of other people put their policies in motion. 
• Focus on Cash Value Growth: Choose a policy that accelerates the growth of your cash value, providing more funds for you to utilize sooner. 

Funding Your Policy

How you fund your policy can significantly impact its effectiveness.

• Premium Payments: Consider starting with higher initial premiums to boost your policy’s cash value quickly. 
• Overfunding: Paying more than the minimum required premium can significantly enhance the policy’s cash value. 

Utilizing Your Policy

IBC strategy is not about saving; it’s about actively using your funds and keeping your money in motion.

• Borrowing Strategically: Use your policy loans to invest in cash-flowing assets that generate returns higher than the cost of the loan. 
• Flexible Repayment: An advantage of IBC is the flexibility in loan repayment. You set the terms, which allows you to manage cash flow on your terms.  
• Rinse, Repeat: We suggest repaying your loans as quickly as you can to reutilize them again and again. The more quickly you repay, the more opportunities you can invest in, and the more wealth you will generate. 

Best Practices for Infinite Banking

IBC is powerful, but it requires diligence and strategic thinking to maximize its benefits.

• Stay Informed: Continuous learning about financial strategies and market conditions will make you a more effective banker. We suggest joining the free CreateTailwind community as part of your ongoing learning strategy.  
• Regular Reviews: Annual reviews with your financial advisor ensure that your IBC strategy evolves with your changing financial needs. 
• Diversify Investments: While IBC provides a solid financial base, diversifying your investments can reduce risks and increase returns.