Yes. Any permanent policy can be used for private banking. The official Infinite Banking design is overfunded, not maximum overfunded. That gap is the whole strategy.
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The Supreme Court’s Connelly decision did not kill insurance-funded buy-sell agreements. It did change how company-owned life insurance is valued when an owner dies. If your redemption, key-man, or “wait-and-see” plan still sits inside the business, it is time to review buy-sell agreements after Connelly — and update the policies that fund them.
A seller-financed succession can look complete on paper and still collapse if the owner dies, a buyer becomes disabled, or the new owners never fund a buy-sell. See how properly designed life insurance turns those hidden risks into a funded, tax-efficient transition.
Premium financing for life insurance is the smartest way to acquire a large death benefit for a fraction of the cost. Instead of writing big checks or liquidating assets, you leverage a lender’s capital so your money keeps working while the policy protects your family or business.
An insurance LLC turns life insurance into the fuel that powers your buy-sell agreement and can later deliver tax-free retirement income. Learn why business owners are using this structure to protect partners, keep cash out of estates, and create optionality most conventional plans miss.
Many real estate investors secure loans with life insurance—but what happens if disability prevents you from repaying them? Business loan protection disability insurance offers a powerful solution that keeps payments flowing and your empire intact.
Many misunderstand cash value life insurance, believing the company keeps the cash value at death. In reality, cash value forms part of the death benefit. This structure allows the insurer to manage risk conservatively while giving policy owners access to growing value for innovative financial strategies.
When engineering your Double Play strategy, should you choose whole life or indexed universal life? This clear, unbiased guide examines the real mechanics of reserves, crediting methods, and guarantees so you can select the policy that best supports your goals for tax-free retirement income or real estate leverage.
Most couples assume delaying Social Security until 70 always maximizes their money. The reality is more powerful—and more personal. Because benefits are designed to be paid out over your expected lifetime, waiting carries real risk. Discover the coordinated claiming strategies that often deliver more income while both of you are alive and stronger protection for the survivor.
Business owners, imagine paying long-term care insurance premiums with pre-tax dollars straight from your company. This powerful strategy delivers significant tax savings while safeguarding your family's future against the rising costs of care. Learn exactly how it works across entity types and why now is the time to act.