Gary North Is Wrong About Whole Life Insurance and the Infinite Banking Concept
Gary North’s critique of whole life insurance and Infinite Banking was influential—but flawed. Ryan Griggs explains what North got wrong.
IBC Gimmicks: Secret of the Wealthy — What the Rockefellers Actually Did
IBC is not how the wealthy got rich — it is how they preserved wealth. Controlling the banking function is available to any family, at any income level.
IBC Gimmicks: Is IBC Just Wash Loans?
IBC is not about wash loans or arbitrage. It’s about controlling the banking function—and why the wash loan claim misreads whole life mechanics.
IBC Gimmicks: Do You Have to Repay an IBC Policy Loan?
No, you don’t have to pay policy loans back. But that is short term thinking and stealing from yourself.
A Biblical Alternative to Conventional Finance
The Infinite Banking Concept is a biblical alternative to conventional finance — restoring control of the banking function, enabling charity, and aligning stewardship with God’s law.
IBC Policy Design: Form Follows Function
IBC Policy Design should maximize capital accumulation without triggering MEC status. Base-to-PUA ratio, dividends, and term riders all determine the design.
Dividends in Whole Life Insurance: More Than a Return of Premium
A whole life dividend is a return of premium—and your share of company profits. Here’s how dividends work, what direct recognition means, and how to use them.
The Truth About Whole Life Insurance: Cash Value, Dividends, and What Critics Get Wrong
Whole life insurance cash value is the present value of a guaranteed future death benefit — not a side account. Here’s what the critics get wrong, and why.
How Churches Can Use the Infinite Banking Concept
Churches can use the Infinite Banking Concept to provide for their pastor, finance expenses, and give generously—with unique advantages other organizations don’t have.
Truth, Not Marketing: A Point-by-Point Response to Policy Genius on IBC
In a 2022 post, Policy Genius claims to tell the truth about Infinite Banking. But do they?
Is TradFi really traditional? The History of 401(k)s, Roth IRAs, and Conventional Finance
“Traditional Finance” is not traditional. There is an older more efficient way to finance your life.
Lessons Learned from my search for IBC
Vetting IBC takes time. These are the lessons I’d give anyone exploring the Infinite Banking Concept — from reading Nash’s book to evaluating PUA riders.