Infinite Banking Concept® – Become Your Own Banker®

With Whole Life

Hands counting cash on a desk with a laptop, charts, and a phone.

Turn Cash Value Into a Personal Financing System

The Infinite Banking concept uses a specially structured whole life policy to grow cash value and borrow against it for purchases—cars, business equipment, renovations—while your cash value keeps compounding. Realegacy Partners, led by an experienced practitioner, designs policies for West Texas clients who want control, liquidity, and a lasting legacy.

Person holding a stack of twenty and fifty dollar bills.

Fund, Borrow, Repay—On Your Terms

You fund the policy (often with paid-up additions for early cash value), then borrow against that value when opportunities arise. The insurer charges loan interest, while your policy continues to grow. You set a disciplined repayment schedule—treating it like a real loan to yourself—to rebuild capacity for the next opportunity.

Control, Liquidity, and Tax Advantages

Policy loans don’t require bank approvals, and growth is tax-deferred. Properly managed, policy loans can create a powerful cycle of using and replenishing cash value, all while maintaining a death benefit for your family. Many business owners near Downtown’s Depot District appreciate the flexibility this strategy offers.

Structure and Discipline Matter

Not all policies work for Infinite Banking. The design must prioritize cash value efficiency, and you must manage loans responsibly to avoid reducing benefits or causing a lapse. Realegacy Partners builds realistic funding plans so premiums fit your budget and long-term goals.

FAQs About Infinite Banking

Straight Talk on a Powerful Concept

  • Is it legit?

    Yes—built on long-standing whole life contracts issued by strong insurers.

  • What returns should I expect?

    Think steady, bond-like growth with usage flexibility—not stock-like returns.

  • Do I have to repay policy loans?

    Technically optional, but best practice is disciplined repayment to preserve growth and benefits.

  • Can any policy work?

    No—policy structure is crucial; we design for this purpose.

Strong Cash Flow, Long-Term Mindset

This approach tends to fit clients with stable income, recurring financing needs, and a desire to keep money working in multiple ways. If you’re weighing options alongside retirement income tools, we’ll integrate this strategy with broader planning.