In Brief:
The Infinite Banking Concept® is a financial strategy developed by R. Nelson Nash that teaches individuals, families, and businesses how to reclaim the banking function using properly designed, dividend-paying whole life insurance. It is not an investment strategy or a get-rich-quick scheme. It is a long-range system for financing life’s needs while maintaining liquidity, control, and intergenerational stewardship.
The Core Idea
Control
You Control Access to Your Capital.
Access
Cash is available without withdrawal or selling.
Growth
Cash Value continues growing even as it is used.
Protection
Provides protection for those you love.
Legacy
Build a system that can serve future generations.
A Reformed Finance Perspective
Infinite Banking is not merely a financial tactic. At Reformed Finance, we view it as a tool for biblical stewardship: helping families maintain control of capital, practice disciplined repayment, and build a durable household economy for future generations.
Stewardship is not limited to the 10% we tithe or the portion we save and invest; it applies to 100% of what God entrusts to us — who controls it, how it moves, and whether it is consumed, surrendered, or used to build.
How The Infinite Banking Concept Works
Capitalize
Fund your private banking system.
Grow
Cash value grows according to the contract
Access
Access capital through policy loans against cash value
Use
Use the money for needs and opportunities
Repay & Reuse
As you repay loans, borrowing capacity is restored
The Best way to understand the Infinite Banking Concept® is to study the book
5 Rules of IBC
Nelson’s Rules for practicing IBC
Key Principles
You Finance Everything You Buy
Whether you borrow from a lender or pay cash, every purchase is financed. The question is not “finance or pay cash?” The question is “Who benefits from the financing?”
Wealth Must Reside Somewhere
Wealth always has a home. IBC shows how to place your wealth where it can be liquid, protected and grow without withdrawing and interrupting growth.
What the Infinite Banking Concept is Not
Common Questions about IBC
Who Should Consider IBC?
Why Whole Life Insurance?
Nelson used properly designed, dividend-paying whole life insurance because it uniquely combines all the characteristics needed to perform the banking function.
1. Guaranteed Value
Cash value is contractually guaranteed and cannot decline with markets.
2. Guaranteed Growth
Policy values grow each year according to the contract and dividends.
3. Tax Deferred Growth
Cash value grows without annual taxation while inside the policy.
4. Tax Free Access
Access cash value through properly managed policy loans.
5. Guaranteed Access
Borrow against cash value without credit checks or lender approval.
6. Privacy
Policy loans are private transactions with the insurance company.
7. Creditor Protected
Policy loans do not show on credit report and state laws may protect from creditors.
8. Death Benefit
Provides lasting protection and legacy for your family.
Continue Learning
The best way to understand the Infinite Banking Concept is to study Nelson Nash directly.
These pages include excerpts and explanations from Becoming Your Own Banker.
Read Nash’s Introduction
Start with Nash’s own explanation from Becoming Your Own Banker.
Read The Points to Consider
Read Seven of Nash’s most important observations about finance.
Learn about Nelson Nash
Understand the man who developed the Infinite Banking Concept
The Best way to understand the Infinite Banking Concept® is to study the book
Want to know whether Infinite Banking fits your household?
Schedule a free strategy call to discuss your cash flow, goals, and whether this approach makes sense.