What The Heck is IBC?

What is the Infinite Banking Concept?

Imagine never paying another dime of interest to a bank - and instead, capturing every dollar for yourself. That’s the promise of the Infinite Banking Concept (IBC). Welcome to the Evergreen Wealth LLC blog at EvergreenWealthLLC.com. If you’re here, you’re ready to think differently about money. Let’s dive in.

The Breakthrough Idea

What if you could become your own banker? IBC turns a specially designed whole life insurance policy into a private, tax-advantaged banking system. You fund it, you control it, and you profit from it. The concept was pioneered by R. Nelson Nash in his game-changing book Becoming Your Own Banker: Unlock the Infinite Banking Concept.

Here’s how it works, step by step:

1. Fund Your Policy

Pay premiums into a dividend-paying whole life policy from a mutual insurance company. Part covers lifelong protection; the rest builds cash value that grows with guaranteed interest and potential dividends.

2. Watch It Compound

Your cash value grows tax-deferred, year after year. No stock market risk. No 401(k) volatility. Just steady, predictable growth you can access anytime.

3. Borrow Against It

Need capital? Take a policy loan at a low, fixed rate. The insurer lends against your cash value - but here’s the magic: your full balance keeps earning interest and dividends. You’re not withdrawing; you’re leveraging.

4. Repay Yourself

Pay back the loan plus interest - but that interest goes back into your policy, not a bank. Every repayment recaptures wealth you’d otherwise lose forever.

Think about it: Every car loan, business investment, or home improvement? Now financed by you, for you.

Why IBC Changes Everything

- Total Control: No credit checks. No bank approvals. You decide.

- Tax Powerhouse: Growth is tax-deferred. Loans are tax-free (policy stays in force).

- Uninterrupted Compounding: Your money never stops working - even when you’re using it.

- Built-In Legacy: A tax-free death benefit passes to your heirs.

This isn’t theory. Families and entrepreneurs have used IBC for decades to escape the banking trap. Dive deeper with Nash’s Building Your Warehouse of Wealth or S. Paul Horsley’s Why the Rich Don’t Die Broke.

Is IBC for You?

IBC isn’t a shortcut - it’s a long-term discipline. You must fund premiums consistently and repay loans responsibly. But for business owners, investors, and high earners tired of financing their lives on someone else’s terms, it’s a wealth accelerator.

Ready to stop renting money and start owning it?

Contact Evergreen Wealth LLC today for a no-obligation IBC strategy session. We’ll show you how to structure a policy that fits your goals.

More insights on privatized banking, tax strategy, and generational wealth coming soon. Stay with us.

- Evergreen Wealth LLC

Your Money, Your Control